Binance Earn’s independent closed-loop business model provides users with reasonable returns and avoids excessive subsidies.

Binance Earn platform has a balanced proportion of current and regular Earn products.

Binance Earn closely monitors the on-chain position ratio and leverage.

Users can enjoy top educational resources through the Binance Banking website.

Market volatility has increased, and many investors and traders have begun to adjust their positions. No matter how the market changes, a responsible investor needs to adjust his portfolio and risk appetite in a timely manner.

Given the recent market conditions, perhaps you have thought this way and are looking for the best decision. Before making a decision, we need to understand the risk level of each investment. Whether it is simply holding, position rebate, or futures investment, a comprehensive analysis is the most basic risk management method.

This article is intended to help Binance Money users. Below, we explore investment risk in three areas: service, product and asset management.

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What is Binance Banking?

Binance Earn is the world’s leading passive income staking platform for encrypted assets, providing a wealth of interest-bearing products. Whether you are new to crypto-assets or mature players, you can find suitable products. Users can easily manage their money without leaving the Binance ecosystem, making Binance Money the preferred financial management platform for many Binance users.

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How Binance Earn Builds a Trustworthy Staking Platform

Even in highly volatile market conditions, users can obtain passive income from encrypted assets through the Binance Earn platform. The platform ensures that funds are properly managed through a series of key measures:

Self-financing
To create an operating model that does not require external funding, it is important to set a reasonable return on investment. Each product of Binance Earn is self-financing and does not require additional operating subsidies. Therefore, Binance Earn is a sustainable and independently operated Earn platform.
Fluidity
Binance Earn aims to maintain a balance of current and term products. Taking the ETH liquidity products on the platform as an example, the ratio is: 70% Spot Wallet, 30% Binance Money and Among the products of the Binance Earn platform, 55% are ETH 2.0-related on-chain products, 42% are loan products, and 3% are invested in liquidity pools.
Strictly monitor the rebate ratio and leverage ratio of on-chain positions
Binance Earn closely monitors the rebate ratio and leverage ratio of on-chain positions. Take ETH products as an example: The on-chain position rebate ratio is 17%, and the loan-to-value ratio is 33%. Binance ETH 2.0 also provides a liquidity solution: the BETH/ETH trading pair is explained in detail below:
User education
Binance Earn guides users to use platform services responsibly. Users can learn from frequently asked questions, how-to videos, Binance Academy articles and more to make better investment decisions.

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Introduction of Binance Earn Selected Products

Binance Earn platform provides a variety of products. Please read the product brief below, or find more details on the Binance Banking website and educational resources.

ETH 2.0 Products

Binance ETH 2.0 products are designed to provide a convenient channel for users to participate in the Ethereum 2.0 network and earn on-chain income.

Lowered the participation threshold for ETH 2.0 holding rebates

According to the regulations of Ethereum, a minimum holding of 32 ETH is required to participate in the ETH 2.0 holding rebate activity. If you participate through the Binance Earn platform, you only need 0.0001 ETH, which reduces the participation threshold and minimum capital requirements for investment.

Penalty and bond forfeiture protection

Binance provides protection for margin confiscation and fines that may be caused by specific product nodes participating in malicious behavior or experiencing downtime. Under specified circumstances, Binance Earn will bear the risk of confiscation of margin deposits for users and return the relevant encrypted assets.

Provide liquidity for ETH 2.0 regular holding rebate products

Participating in regular investment in encrypted assets, unable to adjust positions according to market conditions, will lead to increased risks. The ETH 2.0 holding rebate is a regular investment, but Binance Earn provides convertible BETH tokens for all participants. After ETH 2.0 is officially launched, it can be exchanged for ETH at a ratio of 1:1. BETH unlocks the liquidity of users’ assets and reduces the risk of participating in regular investments.

It should be noted that the exchange rate of the BETH/ETH trading pair is determined by the market, that is, the price of the trading pair will fluctuate due to market conditions. Its reward calculation will also be based on the amount of BETH in the user’s wallet. BETH that has been converted into ETH will no longer enjoy the rebates for holding positions.

Find out where the staked ETH goes

100% of the ETH pledged by users in Binance Earn will be invested in the staking rebate activities of the Ethereum network. Binance will not use these funds for other purposes such as margining, lending, etc.

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Binance Earn products

Binance Savings Demand Products can be redeemed at any time
The income of such products will be distributed daily, and users can also buy or redeem at any time. This means that users’ funds remain liquid and can be used at any time.
Binance treasure regular products can be withdrawn at any time
Binance Earn users who purchase Binance Savings regular products do not need to worry about capital risks. Users can withdraw from the product at any time, but will lose accumulated earnings.
Binance treasure fund reserves
Most of the funds used to purchase Binance treasure products are used to provide loans to users in need. At present, the platform has higher pledge ratio requirements for users, and stipulates that 60% is the upper limit of the capital lending rate.

The above measures taken by the platform are all to ensure the redeemability of Binance treasure user funds, which can be successfully redeemed even in the case of a sharp drop in market prices. For ETH products, the platform specifically stipulates a loan-to-value ratio of 33%, which provides Binance Earn with sufficient reserves to deal with market volatility.

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Join Binance Earn Platform and Be a Responsible Investor

With the right information at hand, assessing portfolio risk is easier. Users who have already invested in the Binance Earn platform can actively understand the platform’s encrypted assets and risk management process. For investment decisions, you can always visit the product page for more information.

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