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binance has savings account and gives 6% on usdt or busd .

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if you prefer to lock them it gives 7%.

For 100 K it's 500-600$ per month and you have your capital intact. And you can order the card and spend them where ever your want. but it requires KYC which I suppose you are not a fan of ...

That's my game plan.

Why use Binance to do that when exists better option with higher APY?

If you need I can tell you at least 3 better opitions to earn interest over you stables

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I wouldn't trust my money to an app like blockfi. I know they give higher APYs but I am pretty satisfied with 6% and I sleep well at nights :)

Do you not trust your money to an app like blockfi but will trust on a exchange?

Hmm... for they are equal in this market

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