The six major banks offer a 0.95% annual interest rate for one-year fixed deposits. A 100,000 RMB deposit for one year would yield 950 RMB in interest. On Binance, money can be held in contracts and a unified account as margin, while also earning promotional rewards at a 2% APR. The key is that this money is readily available. Binance's USDC holding rewards run from 8:00 AM on October 27th to 7:59 AM on November 24th. This lasts four weeks, settled weekly, with each week calculated separately. If you achieve a weekly trading volume of $2,500 USDC in USDC-based contracts, you'll receive the rewards for that week. Based on your average daily net USDC holdings, after deducting liabilities, the maximum is $1 million. A daily average of $100,000 would yield approximately $38 per week, and $1 million would yield $384 per week. A few points to note: All USDC held in sub-accounts is merged into the main account for calculation, only those that have completed KYC are considered. The main account, brokerage account, is not included in the calculation. A snapshot is taken daily at a random time, not based on your balance at a fixed point in time. If you didn't reach the required volume this week, you won't get it this week; it will be recalculated next week. Net holdings are negative, zero. The funds are deposited into your spot account within 5 days after the end of each cycle, in USDC. The 2% is the annualized display of Binance's activity rewards. Keep the funds in a unified account; just casually generate the $2,500 trading volume.