In addition, this is not without pits, the current 4.2% can be given because the interest rate of short-term U.S. bonds is about 4.2%, but if the U.S. monetary policy enters a state of easing, then theoretically the income of RWUSD will decrease. So for U.S. Treasury-based income, it should be the happiest period at present, this year is not bad, it is estimated that it will fall below 4% at the end of the year, there is a high probability that it will be around 2-3% in 2026, and it will be less than 2% in 2027. However, for this year, it is indeed not a good choice, especially the maximum limit of $5 million per person, which is more convenient than buying U.S. bonds directly, and the money Binance makes is a T+3 fee of 5/10,000 and a T+0 early redemption fee of 1/1000, which is equivalent to pure arbitrage, but for more than 99% of retail investors, it is a good deal.