Binance USDC Flexible Savings At 12% APY

August 11, 2025 – Binance Earn, the investment arm of the world’s largest cryptocurrency exchange, has unveiled a limited-time USDC principal-protected flexible savings promotion that promises an annualized yield of up to 12% APY. Running from 08:00 (UTC+8) on August 11 until 07:59 (UTC+7) on September 10, the event is open to all eligible Binance users and operates on a first-come, first-served basis.

This special savings product is designed for investors seeking both capital security and flexible access to their funds, combining stable earnings with real-time accrual.

How The Returns Work

Participants who subscribe with up to 100,000 USDC will receive the full 12% APY, which consists of:

  ~10% tiered yield – credited daily to the user’s spot account.

  ~2% real-time yield – calculated by the minute and credited to the savings account.

Any amount exceeding 100,000 USDC will earn at the 2% real-time rate only. This tiered system ensures competitive returns for small and medium depositors, while allowing high-net-worth participants to still enjoy guaranteed interest on their capital.

Why It Matters For USDC Holders

USDC, a leading USD-backed stablecoin, is widely used in trading, payments, and DeFi. By introducing this high-yield, principal-protected savings option, Binance provides an attractive opportunity for users who want to grow their stablecoin holdings without exposure to market volatility.

This promotion also highlights Binance’s strategy to retain stablecoin liquidity on-platform, encouraging users to keep funds within the ecosystem rather than moving to external DeFi protocols.

Key Features

 - Low entry threshold – minimum subscription is just 0.1 USDC, making it accessible to retail investors.

 - Full principal protection – users can redeem funds at any time without risking their initial deposit.

 - Massive capacity – each account can subscribe for up to 300 million USDC.

How To Participate

To join the promotion, users first need to acquire USDC, which can be done in several convenient ways on Binance. This includes purchasing through the C2C Quick Buy feature for peer-to-peer transactions, using the Buy Crypto page to pay via card or supported payment methods, or simply depositing USDC from an external wallet directly into their Binance account. Once the USDC balance is ready, participants should head to the “Principal Protected Earn” section within Binance Earn, where various savings products are listed. By searching for the USDC Flexible Savings option and subscribing, users can instantly activate the product. From that moment on, their funds start generating returns immediately — with tiered interest credited to their spot wallet daily, and real-time interest calculated every minute in the savings account. This ensures that investors enjoy both steady growth and the flexibility to redeem their principal at any time without losing accrued earnings.