As of December 22, 2025, Binance's Crypto Loans product continues to remain active, allowing users to borrow funds instantly through over-collateralized crypto assets, supporting various currencies such as USDT, BTC, and ETH. The flexible borrowing product allows for borrowing and repayment at any time, with a minimum amount equivalent to 1 USD, and collateral can simultaneously subscribe to the Simple Earn flexible product, accumulating rewards every minute, achieving dual benefits of 'borrowing + earning'. Current popular borrowing rates are updated every minute, with relatively low rates for borrowing stablecoins like USDT, suitable for short-term liquidity needs.
Recently, in terms of hot topics, the Binance Earn platform has launched several promotional activities, including a BMT token Simple Earn flexible product with an APR of up to 26.35% (including promotional bonuses), as well as a 50% APR trial fund voucher exclusive for new users, attracting a large number of users to participate in staking to earn passive income. At the same time, the platform supports on-chain staking products such as Babylon BTC Staking, offering real on-chain returns. Overall, amidst market fluctuations, Binance's Crypto Loans product is known for its flexibility and high returns, helping users optimize asset utilization while emphasizing risk control, such as LTV monitoring and liquidation mechanisms, ensuring the safety of user funds.
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