Stablecoins are a type of virtual currency characterized by being pegged to a specific fiat currency. For example, well-known ones like USDT and USDC are both cryptocurrencies pegged to the U.S. dollar. Such virtual currencies are regarded as a bridge between traditional and digital currencies. Every day, exchanges around the world require a large amount of stablecoins for settlement.
In this article, we aim to use USDT to create wealth. It will demonstrate a principal-protected earning method, leveraging investment products offered by exchanges that guarantee the principal while delivering returns higher than traditional bank deposits.
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Exchange Investment Products
Here, we’ll use Binance as an example. Binance is a global cryptocurrency exchange offering trading services for over 100 digital assets, including principal-protected investment products. First, register a Binance account and deposit USDT. On Binance, you can purchase USDT via C2C trading or by using a credit card.
After purchasing USDT, open the Simple Earn page and scroll down — the first option is the principal-protected earning product. As of October 5, 2025, the annualized yield for the USDT principal-protected earning product remains around 13%. This is because Binance occasionally launches promotional activities that provide tiered annualized interest rates, making its principal-protected products significantly more profitable than traditional bank ones. Compared with regular bank products offering at most a 5% annual return, Binance’s principal-protected investments can provide an additional 3–7% yield!
What if we want more?
Of course, principal-protected investment is only the most basic product available on Binance. In the future, we’ll also share more methods and strategies for generating additional wealth. If you’ve read this far, feel free to share what you’ve learned from this article and tell us about any challenges you’re currently facing! Let’s build a community where ordinary people support each other in becoming financially confident—one smart decision at a time.
