Binance USD1's financial product ends on January 24, and WL's airdrop will follow right after. If you're holding without moving, you can put it into the futures or margin trading account for an extra 0.2x reward boost. The rewards come from retail investors picking up WL. There's also a reason to guide people into futures or margin trading, but that's not important. In terms of bear market financial products, Binance is doing pretty well.