{"version":1,"id":"rwusd","title":"RWUSD","summary":"RWUSD is a Binance flexible-term yield product that records subscribed assets and accrued rewards and pays rewards in RWUSD, with redemptions in USDC.","content":"**RWUSD** is a flexible-term yield product offered by [Binance](https://iq.wiki/wiki/binance) that records a user’s subscribed assets and accrued rewards within Binance’s accounts. It is not a [stablecoin](https://iq.wiki/wiki/stablecoin), security, fund, tokenized real-world asset, or on-chain asset, and it gives users no rights to the real-world assets used to generate yield.[\\[1\\]](#cite-id-nm4ok8xqgb)​[\\[2\\]](#cite-id-ahlqkrz647)​\n\n## Overview\n\nUsers subscribe with eligible [stablecoins](https://iq.wiki/wiki/stablecoin) at a 1:1 rate and receive the corresponding amount of RWUSD in their [Binance](https://iq.wiki/wiki/binance) Spot Account. Qualified global users can subscribe with USDT or U, while eligible users in the European Economic Area can subscribe with [USDC](https://iq.wiki/wiki/usdc). Subscriptions are available through master accounts and subaccounts and are subject to personal and product-wide limits. A balance of at least 0.01 RWUSD is required to accrue rewards.[\\[1\\]](#cite-id-nm4ok8xqgb) [\\[4\\]](#cite-id-ovjPlkv0NtbgfyNM) \n\nBinance says yield comes from its operations, including investments in real-world assets and fixed-income products. These include tokenized U.S. Treasury bills and other tokenized U.S. Treasury and fixed-income products managed by partners such as BlackRock, [Circle](https://iq.wiki/wiki/circle), and Franklin Templeton. Binance sets the reward [annual percentage rate (APR)](https://iq.wiki/wiki/annual-percentage-rate-apr) at its discretion, using prevailing institutional yield rates as a benchmark and considering market conditions and product sustainability.[\\[1\\]](#cite-id-nm4ok8xqgb)​[\\[2\\]](#cite-id-ahlqkrz647)​\n\n### Key Features\n\n* **RWA-Referenced Yield:** RWUSD rewards are benchmarked against [real-world assets (RWAs)](https://iq.wiki/wiki/real-world-assets-rwas), including tokenized U.S. Treasury bills, with the aim of maintaining relatively stable returns.\n* **High Subscription Limits**: Users can subscribe up to $5 million, subject to applicable terms.\n* **Uniform APR**: The same annual percentage rate (APR) applies across a user's subscription, without tiered rates.\n* **Collateral Use**: RWUSD held in a Binance Spot Account can be used as collateral for binance.com while continuing to accrue rewards.\n* **Daily Reward Distribution**: Rewards accrue daily and are distributed in RWUSD to users' Spot Accounts. The product advertises an APR of up to 4.2%.  [\\[3\\]](#cite-id-3ObHwmojhG4WffPp) \n\n## Redemption\n\nUsers can redeem RWUSD at any time. On successful redemption, [Binance](https://iq.wiki/wiki/binance) returns [USDC](https://iq.wiki/wiki/usdc) to the user’s Spot Account at a 1:1 rate, less applicable fees.[\\[1\\]](#cite-id-nm4ok8xqgb)​[\\[2\\]](#cite-id-ahlqkrz647)​\n\nBinance offers two redemption methods. Fast Redemption returns USDC instantly and charges a fee of 0.1% of the redemption amount. Binance may periodically provide a personal daily quota that partially waives this fee; its product page lists a quota of 100 RWUSD. Standard Redemption charges a 0.05% fee and returns USDC by 10:00 a.m. on the third day after the request, or T+3. Personal and product-level daily redemption quotas apply and reset at 00:00 Coordinated Universal Time.[\\[1\\]](#cite-id-nm4ok8xqgb) [\\[4\\]](#cite-id-ovjPlkv0NtbgfyNM) \n","categories":[{"id":"projects-and-protocols","title":"projects-and-protocols"}],"tags":[],"images":[{"id":"QmUVHK8Yt8jAxVyjhaxsvuijb93HqYdzgr3xnLgRYcqLYM","type":"image/jpeg, image/png"}],"media":[],"metadata":[{"id":"references","value":"[{\"id\":\"nm4ok8xqgb\",\"description\":\"Binance RWUSD Overview\",\"timestamp\":1792305362917,\"url\":\"https://www.binance.com/en/earn/rwa-rwusd\"},{\"id\":\"ahlqkrz647\",\"description\":\"CoinMarketCap - $RWUSD\",\"timestamp\":1792305407868,\"url\":\"https://coinmarketcap.com/currencies/rwusd/\"},{\"id\":\"3ObHwmojhG4WffPp\",\"description\":\"Binance - Introducing RWUSD: Earn Up to 4.2% APR Rewards Supported With RWAs Such as Tokenized US Treasury Bills\",\"timestamp\":1792305393751,\"url\":\"https://www.binance.com/en/support/announcement/detail/b7b32965fc1e4c94a8bd290e5db56a82\"},{\"id\":\"ovjPlkv0NtbgfyNM\",\"description\":\"Binance - What is RWUSD?\",\"timestamp\":1792305428984,\"url\":\"https://www.binance.com/en/support/faq/detail/62626eed1296460eaa5c0f8e70085389\"}]"},{"id":"main-image-origin","value":"{\"imageId\":\"QmUVHK8Yt8jAxVyjhaxsvuijb93HqYdzgr3xnLgRYcqLYM\",\"originalId\":\"QmPnyiCLsHNtek5WtzeogMRUHxb6dpEx9x8z8j6gvZJoMg\"}"},{"id":"website","value":"https://www.binance.com/en/earn/rwa-rwusd"},{"id":"commit-message","value":"Create RWUSD wiki"}],"events":[],"linkedWikis":{"founders":[],"blockchains":[],"speakers":[]},"user":{"id":"0x8af7a19a26d8fbc48defb35aefb15ec8c407f889"},"author":{"id":"0x4a2bC97afBF41a2Cbf4b4628F63420682Ff4CF2a"},"language":"en","operator":{"id":"0x4a2bC97afBF41a2Cbf4b4628F63420682Ff4CF2a"}}