{"id":"rwusd","hidden":false,"ipfs":"QmSaBE3FCQ7GRDy1sKkMDkxncrFjWdbrmjHLsjpM5PXSEx","language":"en","transactionHash":"0xfdf494c9d0f033a282a63c48afa5773dff3c68e6649bc08fa6cdfd7a4e63cb59","created":"2026-10-18T06:39:37.616Z","updated":"2026-10-18T06:39:37.616Z","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](https://iq.wiki/wiki/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\n[Binance](https://iq.wiki/wiki/binance) 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* **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 $15 million, subject to applicable terms.[[5]](#cite-id-osmkil1tg9)\n* **Uniform APR**: The same [annual percentage rate (APR)](https://iq.wiki/wiki/annual-percentage-rate-apr) applies across a user's subscription, without tiered rates.\n* **[Collateral](https://iq.wiki/wiki/collateral) Use**: RWUSD held in a [Binance](https://iq.wiki/wiki/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\n[Binance](https://iq.wiki/wiki/binance) offers two redemption methods. Fast Redemption returns [USDC](https://iq.wiki/wiki/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) ","recentActivity":null,"operator":{"id":"0x1e23b34d3106f0c1c74d17f2cd0f65cdb039b138"},"categories":[{"id":"projects-and-protocols","title":"Projects & Protocols"}],"tags":[],"images":[{"id":"QmcppwnF51eBV5fwYYAxSKBzSake6x4K2Jdawa9GXGj1bs","type":"image/jpeg, image/png"}],"media":[],"linkedWikis":{"founders":[],"blockchains":[],"speakers":[]},"events":[{"title":"RWUSD launches on Binance Earn","date":"2025-07-28","type":"CREATED","description":"Binance introduced RWUSD, a flexible-term yield product benchmarked against real-world asset yields.","link":"https://crypto.news/binance-launches-rwusd-tokenizing-u-s-treasury-bonds-and-other-rwas/","country":"","continent":"","multiDateStart":null,"multiDateEnd":null,"id":"1deb38b6-85e4-4ce7-b0bf-a69574deefa9"},{"title":"Personal RWUSD subscription limit increased to 15 million","date":"2025-09-01","type":"DEFAULT","description":"Binance raised the personal subscription cap from 5 million to 15 million RWUSD.","link":"https://www.binance.com/en/square/post/30057072187562","country":"","continent":"","multiDateStart":null,"multiDateEnd":null,"id":"2bef2e91-33ad-4c6c-9460-270952938bd1"},{"title":"RWUSD adds subscriptions with U","date":"2026-03-01","type":"DEFAULT","description":"Eligible users could begin subscribing to RWUSD with U (United Stables) at a 1:1 rate.","link":"https://www.binance.info/en/support/announcement/detail/d8bd2d61cb9f49ee97b5cb9903e28261","country":"","continent":"","multiDateStart":null,"multiDateEnd":null,"id":"c4d5f581-1455-4a75-8426-d38c774d783f"}],"founderWikis":[],"blockchainWikis":[],"metadata":[{"id":"website","value":"https://www.binance.com/en/earn/rwa-rwusd"},{"id":"main-image-origin","value":"{\"imageId\":\"QmcppwnF51eBV5fwYYAxSKBzSake6x4K2Jdawa9GXGj1bs\",\"originalId\":\"QmPnyiCLsHNtek5WtzeogMRUHxb6dpEx9x8z8j6gvZJoMg\"}"},{"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\":\"osmkil1tg9\",\"url\":\"https://www.binance.com/en/square/post/30057072187562\",\"description\":\"Binance announcement\",\"timestamp\":1792898508433}]"},{"id":"previous_cid","value":"QmSaBE3FCQ7GRDy1sKkMDkxncrFjWdbrmjHLsjpM5PXSEx"},{"id":"commit-message","value":"Update the RWUSD timeline"},{"id":"previous_cid","value":"QmSaBE3FCQ7GRDy1sKkMDkxncrFjWdbrmjHLsjpM5PXSEx"}],"user":{"id":"0x8af7a19a26d8fbc48defb35aefb15ec8c407f889"},"author":{"id":"0x1e23b34d3106f0c1c74d17f2cd0f65cdb039b138"},"views":63}