Binance wallet has an activity showing negative interest rates on loans

This means borrowing money without paying interest

Instead, rewards are given

It’s purely a subsidy

I deposited 5,000 USDC with an annualized rate of 2.15%

Borrowed out 3,000 USDT with an annualized rate of -3.54%

Overall annualized rate is 5.69%

The borrowed USDT can also participate in other activities

Further increasing the annualized rate

Just one thing to note

The minimum loan must be greater than 100 USDT