I have truly experienced USDD wealth management in the Binance wallet, and the overall returns are decent, especially suitable for those with a large amount of capital. If the capital is smaller but there is some spare money, it can also be invested; compared to regular savings, the guaranteed earning in cryptocurrency is much higher.
I deposited 200U for 6 days, and the exchange price of USDD increased by 0.2U. Including the additional earnings of 0.06U, the total is 0.26U. Moreover, the redemption speed is very fast; unlike many wealth management products that have slower redemption speeds, USDD's redemption is quite convenient.😀
At the end of 2025, when the yield rates of stablecoins generally decline, USDD still provides highly competitive stable returns due to its multi-tiered earning mechanism. The core strategy is to stake USDD to mint sUSDD, achieving an approximate 12% basic real annualized return rate, supporting multi-chain deployments such as Ethereum and BNB Chain, and funds can be deposited and withdrawn at any time without lock-up restrictions. This yield mainly comes from the low-risk strategies of Smart Allocator across the entire chain, and the current protocol reserves have generated considerable profits to ensure sustainability.
For users pursuing higher returns, liquidity mining is a good choice. Currently, several USDD-related pools on the Merkl platform are performing well: PancakeSwap V3 USDD-USDT (BSC) APR is about 13.72%, USDT-sUSDD pool is 11.21%; Uniswap V4 (Ethereum) sUSDD-USDT pool is 13.78%, USDD-USDT 11.38%. These rewards are updated daily, and the TVL is stable, suitable for medium to short-term participation.
Conservative investors can choose JustLend DAO or HTX Earn; the former offers decentralized on-chain deposits, while the latter HTX Earn directly offers 10% APY, with simple, transparent, and flexible operations.
In addition, the Binance wallet Yield+ special session is ongoing: USDT→USDD→sUSDD path, enjoying a 12% basic APY plus activity rewards (total reward pool of 300,000 USDD, distributed daily according to TVL ratio), with real-time comprehensive yield rates higher, low threshold, and no upper limit.
Overall, USDD not only has a solid anchor but also offers diversified earning channels, allowing holders to easily achieve stable returns of 8%-13%+. In the current market environment, this combination of "both stable and profitable" is truly rare and suitable for DeFi users with various risk preferences.
