In the ever-changing cryptocurrency market, the requirements of traders for fund management have evolved beyond simple trading profits to pursue higher capital efficiency. As the widely quoted saying in the community goes, "BFUSD won't make you rich overnight, but it will keep you at the table longer." This unique reward asset quietly transforms the allocation strategies of professional traders, allowing each part of your "arsenal" to have the potential to generate returns consistently in Binance Earn.
The core value of BFUSD lies in its ideal mix of high-yield finance attributes and trading tools. When exchanging USDT for BFUSD, you receive a "composite asset" that can earn interest without affecting trading. In the current market conditions, the average annual yield of BFUSD is around 4.5% over the past thirty days, a performance that far exceeds most similar stable yield products. Most importantly, its holders do not need to lock their assets, and returns are distributed daily, even BFUSD in instant orders can enjoy these returns. This means that whether it’s money from profit-taking dips in contracts or margin left after a stop-loss in a contract, they can continue to work in the account, achieving "high annual interest earnings without affecting contract trading."
Behind this high capital usage is the advantage of BFUSD over traditional stablecoin yields. It can serve as collateral for contract accounts, portfolio margin, and VIP loans, enjoying a high collateral value ratio of 99.9% (CVR) in cross-margin or unified accounts. In contrast, when you subscribe to USDT in a wealth management account, those funds are locked and cannot be used for trading. Often, on-chain interest-bearing assets come with the vulnerabilities of smart contracts and depegging risks. On the other hand, BFUSD is endorsed by the Binance platform, maintains a stable index price (1:1), has higher security, and completely eliminates depegging concerns.
Therefore, from an asset allocation perspective, BFUSD can play three key roles in fund management strategy: it can act as a defensive layer to stabilize portfolio risks in high volatility ranges; it is a liquidity reserve that can be reallocated at any time to capture arbitrage or trend opportunities; it is also an important income barrier, providing additional returns through capital-protected financing to effectively increase overall investment returns. It gives traders a new philosophy for fund management: "holding, open positions, borrowing, and earning interest," all without delay.
The growth momentum of BFUSD is strong. To show appreciation for the community's recognition of this effective asset, Binance Savings has launched a special limited-time event. From November 3, 2025, to December 2, 2025, the first stake of 1,000,000 Swiss Francs can enjoy a limited-time interest benefit of an additional enhanced annual interest rate of +5% on top of the base annual yield rate. This is an excellent window for your collateral to serve you with higher efficiency. Please check your account immediately and do not miss the opportunity to accelerate the growth of your "bullets."
