Additionally, it's worth mentioning that this is not without its pitfalls. The current 4.2% return is due to the short-term U.S. Treasury bond rates being around 4.2%. However, if U.S. monetary policy shifts to a more accommodative stance, the theoretical yield of RWUSD will decrease. Of course, currently, it mainly holds short-term U.S. Treasury bonds, but if it can hold other assets in the future, that would be a different story.

So, regarding returns based on U.S. Treasury bonds, this should be one of the happiest periods. This year has been relatively good, but by the end of the year, it is expected to drop below 4%. In 2026, it will likely be around 2-3%, and in 2027, it will probably be below 2%.

However, for this year, it is indeed a decent choice, especially since the maximum limit for each person is $5 million, which is more convenient than directly buying U.S. Treasury bonds. Binance makes money from a 0.05% T+3 fee and a 0.1% T+0 early redemption fee, which is essentially pure arbitrage. But for over 99% of retail investors, it is still a good deal.

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