Lazy Man's Financial Guide｜Latest Calculation of Binance USD1 Airdrop Yield; OpenEden Launches New 26.4% APY Pool (January 26)

marsbitPublished on 2026-01-26Last updated on 2026-01-26

Abstract

This article provides an overview of several low-risk, stablecoin-focused yield opportunities as of January 26th. The most prominent opportunity discussed is the Binance USD1 airdrop campaign, running from January 23rd to February 20th with a $40 million prize pool in WLFI tokens. The author calculates that the average annualized yield is likely to dilute quickly to around 8-10% due to the rapid increase in USD1's supply on the exchange. Three on-chain strategies are highlighted: 1. **ListaDAO U/USDT LP Incentive:** A partnership with Binance Wallet offering a 21.29% APY for providing liquidity to a U/USDT pool on BSC, incentivized with 240,000 LISTA tokens until February 9th. 2. **OpenEden PRISM Pre-Deposit:** A pre-launch deposit window for a new tokenized yield product (PRISM). It offers a current real-time APY of 26.4% from extra EDEN token incentives, with a $50 million cap. 3. **Buidlpad Vault (Phase 2):** A fixed 8% APY product on Ethereum and BSC for ETH, BNB, and USDT, with a $20 million cap that was nearly full at the time of writing.

Author|Azuma(@azuma_eth)

This column aims to cover low-risk yield strategies (Odaily Note: code risk can never be eliminated) in the current market, primarily focusing on stablecoins (and their derivative tokens), to help users who wish to gradually amplify their capital through U-based wealth management find relatively ideal interest-earning opportunities.

Past Records

《Lazy Man's Financial Management Restart｜Ethereal Earns 27% APR While Farming Points; Huma Opens New 28% APY God Pool (January 6)》;

《Lazy Man's Financial Guide｜Cap's Official Stablecoin Airdrop Announcement Boosts New Pool APY; hyENA Increases LP Quota (January 22)》.

Exchange Wealth Management

The hottest wealth management opportunity at the moment is undoubtedly Binance's recently renewed USD1 holding subsidy activity.

On January 23, Binance announced an airdrop activity for eligible users holding USD1 on the platform. The activity period is from January 23 to February 20, with a total prize pool of $40 million equivalent in WLFI. Eligible users need to hold a USD1 balance in any Binance account category (including spot account, funding account, margin account, U-based contract account; margin or contract accounts enjoy a 1.2x reward multiplier). During the activity, WLFI rewards will be distributed weekly to users holding USD1. The first airdrop will be distributed on February 2, covering rewards from January 23, 8:00 to January 30, 8:00. Subsequent rewards will be distributed every Friday.

A simple calculation of the yield situation suggests the result might not meet general market expectations. Overall, there are two main variables: one is the total value of the WLFI prize pool; the other is the total amount of USD1 within the Binance platform.

First, the total WLFI prize pool should be a fixed value of $40 million. However, this morning, World Liberty Financial transferred 235 million USD1 (worth approximately $40 million) from its treasury address to Binance, which is expected to be the total prize pool for this airdrop activity. Therefore, over the next month, the total value of this prize pool will fluctuate with the price of WLFI. Considering the current downward market and the selling pressure inherent in airdrop rewards, I lean towards the prize pool's total value shrinking somewhat.

As for the total amount of USD1 on the Binance platform, the total issuance of USD1 has reached 4.9 billion tokens, with approximately 4.22 billion located within the Binance platform. Statically calculating with this data, the average annualized yield for this activity is about 12%. The problem is, since Binance launched this activity, the supply growth of USD1 has been very dramatic — nearly 700 million tokens have been added since January 23, and most newly issued USD1 will flow into Binance, which will inevitably accelerate the dilution of the overall yield rate.

Considering these two variables, I tend to believe the average yield for this activity will quickly dilute to below 10%, with a final expectation of around 8% being relatively reasonable. Based on this standard, unless you already hold USD1 (or stablecoins like USDC with a higher premium than USDT), entering the market at a premium (e.g., buying USD1 with USDT at the current premium) is no longer cost-effective.

On-Chain Strategy One: ListaDAO U/USDT LP Incentives (21.29% APY)

This morning, the mainstream BSC lending protocol ListaDAO announced a LP deposit incentive activity for the stablecoin U in cooperation with Binance Wallet.

Specifically, users need to participate through Binance Wallet. The activity runs from January 26, 8:00 UTC to February 9, 8:00 UTC. Participation involves depositing U/USDT LP (depositing both U and USDT simultaneously) via Smart Lending into ListaDAO. ListaDAO will provide 240,000 LISTA tokens as incentives, with a current APY of approximately 21.29%.

On-Chain Strategy Two: OpenEden PRISM Pre-Deposit (26.4% APY)

On January 23, OpenEden announced on platform X, in conjunction with FalconX and Monarq, the upcoming launch of the tokenized yield investment portfolio PRISM. This product aims to seek stable returns through a multi-strategy quantitative model actively managed by Monarq, maintaining low correlation with cryptocurrency prices across market cycles.

PRISM will officially launch in February, but pre-deposits are now open with a limit of $50 million. Currently, $14.43 million has been deposited, leaving significant space available. OpenEden will provide 4.7 million EDEN tokens for pre-deposits, with a current real-time APY of approximately 26.4% (primarily from additional token incentives).

On-Chain Strategy Three: Buidlpad Vault Phase 2 (8% APY)

On January 24, Buidlpad announced the launch of the second phase of its DeFi fixed-term deposit product, Buidlpad Vault, offering a fixed return of 8%. This phase's deposit opened on January 25, 8:00 UTC, with a limit of $20 million. It supports ETH and USDT on Ethereum, and BNB and USDT on BSC.

As of writing, $18.7 million has been deposited into this pool, with a small amount of quota still available for participation.

Intel Soars 20%, CPUs Return to Center Stage in the Agent Era

Intel's stock surged 20% after reporting exceptional Q1 2026 results, with revenue of $13.6 billion (up 7% YoY) and non-GAAP EPS of $0.29, beating expectations by 29x. The rebound is driven by the resurgence of CPUs in the AI era, particularly as workloads shift from training to inference and agent-based applications. Intel’s Data Center and AI (DCAI) division hit a record $5.1 billion in revenue, up 22% YoY, marking a U-shaped recovery since mid-2025. The growth is attributed to strong demand for Xeon 6 "Granite Rapids" processors and increased AI infrastructure refresh cycles. While NVIDIA and AMD dominated the AI training phase, Intel is benefiting from the focus on AI agents, where CPU performance becomes critical—accounting for 50-90% of workflow latency in agent orchestration. This shift, coupled with management changes and strategic refocus on CPUs (including canceling the Falcon Shores GPU project), has repositioned Intel. New CEO Lip-Bu Tan emphasized that CPUs are re-establishing themselves as essential infrastructure in the AI era.

marsbit14m ago

Intel Soars 20%, CPUs Return to Center Stage in the Agent Era

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DeepSeek V4 Finally Released, Breaking the Strongest Closed-Source Monopoly, Explicitly Partnering with Huawei Chips

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DeepSeek V4 Finally Released, Breaking the Strongest Closed-Source Monopoly, Explicitly Partnering with Huawei Chips

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Tether Cooperates with U.S. Sanctions to Freeze $344 Million in USDT, Reigniting Debate Over Stablecoin 'One-Click Freeze Authority'

Tether, the issuer of USDT, has frozen over $344 million worth of USDT across two Tron blockchain addresses in its largest-ever single compliance action. The freeze was carried out on April 23 in coordination with the U.S. Office of Foreign Assets Control (OFAC) and other law enforcement agencies. The funds are suspected to be linked to sanctions evasion, criminal networks, or other illicit activities, though specific details were not disclosed. This action comes amid increased U.S. regulatory scrutiny, including sanctions against entities tied to Iran and Mexican drug cartels. Tether’s CEO, Paolo Ardoino, emphasized the company’s commitment to preventing illegal use of USDT, contrasting it with slower responses from competitors like Circle. To date, Tether has frozen over $4.4 billion in assets and collaborates with more than 340 law enforcement agencies across 65 countries. The move has reignited debate within the crypto community over the centralized "freeze authority" held by stablecoin issuers, challenging the notion that "your stablecoins are your own." Critics point to the built-in blacklist function in USDT’s smart contracts, which allows Tether to immobilize funds in targeted wallets, while proponents argue it enhances regulatory compliance and anti-money laundering efforts.

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Tether Cooperates with U.S. Sanctions to Freeze $344 Million in USDT, Reigniting Debate Over Stablecoin 'One-Click Freeze Authority'

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Why Hasn't the U.S. Seen the Rise of 'Huabei' or 'Jiebei'?

The article explores why the U.S. lacks large-scale consumer credit products like China's "Huabei" and "Jiebei," despite having a developed financial sector. Key reasons include: 1. **Structural Barriers**: A fragmented federal and state regulatory system, reinforced by post-2008 reforms like the Dodd-Frank Act, raises compliance costs and protects traditional banks, stifling fintech innovation. 2. **Credit Card Dominance**: Credit cards, used by 70-80% of adults, form a $1.28 trillion debt market with high APRs (avg. 22.3%). This system cross-subsidizes users who pay in full with those carrying balances, creating a predatory yet entrenched ecosystem. 3. **Data Privacy Laws**: Strict regulations (e.g., FCRA, CCPA) prevent tech giants from leveraging behavioral data for credit scoring, unlike in China where such data fuels fintech models. 4. **Capital Market Disincentives**: Wall Street penalizes tech firms entering finance due to lower valuations associated with heavy regulation and risk, as seen in Apple’s failure with Apple Card. 5. **Banking Oligopoly**: Major banks control consumer lending, leveraging lobbying power and consumer habits to maintain high-cost credit, while alternatives like payday loans (400% APR) or "unbanked" services remain niche or exploitative. Ultimately, regulatory, structural, and corporate interests collectively block the emergence of accessible, low-cost digital lending in the U.S.

Odaily星球日报43m ago

Why Hasn't the U.S. Seen the Rise of 'Huabei' or 'Jiebei'?

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More and More 'Model Supermarkets' Are Opening: ByteDance, Alibaba, and Tencent Compete to Integrate

Chinese tech giants like ByteDance, Alibaba, and Tencent are accelerating the rollout of integrated AI model subscription services—dubbed “model supermarkets”—to provide developers with bundled access to multiple leading domestic large language models (LLMs). ByteDance’s Volcengine recently upgraded its "Coding Plan" by adding newer models like GLM-5.1, Minimax M2.7, and Kimi k2.6, allowing subscribers to use various top models under a single monthly fee starting at ¥40. However, user feedback reveals significant issues, including rapid consumption of usage limits (e.g., hitting caps within hours), frequent server errors (like HTTP 429), and slow response times during peak hours. Complaints about misleading deduction rates—where calls to advanced models consume more quota—are also common. The trend is industry-wide: Alibaba, Tencent, and Baidu have all launched similar multi-model coding plans. While these platforms reduce trial costs for developers, they also expose challenges in balancing affordability with service quality and computational stability. Amid this shift, independent AI companies like Zhipu, MiniMax, and Moonlight Face (Kimi) are developing strategies to avoid becoming mere “pipes” in this ecosystem—focusing on vertical applications, autonomous agents, and long-context models to retain competitiveness. Analysts suggest that, while platform aggregation may pressure model firms in the short term, specialized and vertical AI capabilities will remain differentiated in the long run.

marsbit47m ago

More and More 'Model Supermarkets' Are Opening: ByteDance, Alibaba, and Tencent Compete to Integrate

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What is BNB WHALES

Understanding BNB Whales: A Deep Dive into the Cryptocurrency Landscape Introduction to BNB Whales In the vibrant world of cryptocurrencies, new projects regularly emerge, often promising innovative solutions and unique experiences. One such project is BNB Whales, launched in 2023 and built on the BNB Smart Chain (BEP20). BNB Whales sets out to establish a distinctive presence within the cryptocurrency ecosystem, focusing on creating an engaging platform that combines the benefits of blockchain technology with social and gaming interactions. This article aims to delve deeper into BNB Whales, exploring its core components, mechanics, and developmental trajectory. What are BNB Whales? BNB Whales is a cryptocurrency initiative that seeks to provide a diverse range of features and opportunities for its users in the burgeoning Web3 environment. Utilizing the BEP20 standard, the project operates with a total token supply of 100 trillion (100,000,000,000,000,000). Despite this significant figure, it is noteworthy that no tokens are currently in circulation, indicating that the project may still be in its early developmental stages. The primary goal of BNB Whales is to create a platform where users can participate in various interactive activities while benefiting from the security and transparency afforded by blockchain technology. By fostering a unique and engaging environment, BNB Whales aims to build a strong community of users who are invested in the project and its development. Who is the Creator of BNB Whales? The identity of the creator of BNB Whales remains undisclosed at this time, presenting a challenge for those looking to understand the project's founding principles and visionary insights. This absence of publicly available information regarding the project's leadership may raise questions among potential investors and users about its governance and accountability structure. Who are the Investors of BNB Whales? As BNB Whales continues to evolve, information concerning specific investors or support from investment foundations is currently unavailable. The project’s official documentation, including its whitepaper, does not disclose either individual or institutional financial backers. The lack of transparency in this regard can sometimes raise questions about the legitimacy and sustainability of new projects within the cryptocurrency ecosystem. How Does BNB Whales Work? BNB Whales operates on the BNB Smart Chain utilizing the BEP20 standard, which is known for its efficiency and low transaction fees, attracting a variety of developers and projects. The unique aspect of BNB Whales lies in its focus on creating a community-driven platform. While precise operational details are scarce, the project emphasizes interaction and engagement, potentially incorporating gamified elements into its offerings. The emphasis on community is pivotal, as it aligns with prevailing trends in the cryptocurrency space, where user input and participation often dictate a project's success. Further innovation may be anticipated, but at present, the specific mechanisms and features that differentiate BNB Whales from other crypto initiatives remain to be fully elucidated. Without detailed information regarding its functionality, it is challenging to evaluate the project's differentiators comprehensively. Timeline of BNB Whales The development of BNB Whales has unfolded across key milestones, marking its journey in the cryptocurrency landscape. Below is a timeline of significant events pertaining to the project: 2023: Launch of BNB Whales, marking the project's entry into the market. 2023: Publication of the project's whitepaper, which lays out the overarching goals and operational framework. Ongoing: BNB Whales continues to develop its features, aiming to build a robust user base and expand its offerings. Key Points About BNB Whales Platform: BNB Smart Chain (BEP20) Total Supply: 100 trillion tokens (100,000,000,000,000,000) Circulating Supply: 0 tokens (indicating a nascent stage) Project Goal: To foster an engaging cryptocurrency platform for interaction and community building. Creator: Unknown Investors: Not disclosed Operational Status: Active with ongoing development and expansion Conclusion As BNB Whales navigates the competitive cryptocurrency landscape, it offers a glimpse into the potential of community-driven projects built on the foundations of blockchain technology. By focusing on engagement and interaction, the initiative stands at the forefront of innovation in the Web3 space. However, the project's success ultimately hinges on the clarity of its operational mechanics, the disclosure of its governance, and the establishment of a solid user community. For potential users and investors alike, BNB Whales represents a case study in the evolving nature of cryptocurrency projects—one that illustrates both the exciting possibilities and the complexities associated with new initiatives. As the landscape continues to evolve, it will be essential to monitor BNB Whales' progress and its impact on the broader cryptocurrency ecosystem.

3.1k Total ViewsPublished 2024.04.01Updated 2024.12.03

What is PONKE BNB

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2.9k Total ViewsPublished 2024.04.01Updated 2024.12.03

What is BNB CARD

Understanding BNB Card: Revolutionizing Digital Identity in Web3 In the rapidly evolving landscape of blockchain technology and cryptocurrency, the BNB Card or $BNBCARD stands out as a noteworthy project. This community-driven utility meme token leverages the BNB Smart Chain (BSC), aiming to integrate meme culture with innovative digital identity solutions. As more users dive into the realms of decentralization, it is crucial to dissect what BNB Card offers, its operational nuances, and its potential market impact. What is BNB Card ($BNBCARD)? At its core, BNB Card represents a meme token with substantial utility. It is designed to empower users by enabling the creation of personalized digital identity cards that are both expressive and functional. The project encapsulates several key features: Customizable ID Cards: Users have the ability to design Binance-themed digital ID cards, providing them with a platform for self-expression and enhanced community interaction. Decentralized Framework: Developed on the BSC, BNB Card emphasizes key attributes such as security, transparency, and user sovereignty. The decentralized nature of the framework allows for transactions that are both efficient and secure. Community-Centric Model: The emphasis on grassroots participation rather than laboratory-driven financial models creates an engaging environment for its users. By leveraging the inherent virality of meme culture, BNB Card fosters a robust community movement. The primary goal of BNB Card is to democratize digital identity tools in Web3, offering accessible solutions that benefit the users without the encumbrances typically associated with traditional identity management systems. Creator and Investors When exploring the identity behind BNB Card, it is important to note that no singular creator is explicitly credited. Instead, the project appears to be community-driven, suggesting a collective effort inspired by the notion of Binance's “Early Builder Card.” This organic development approach is common among projects within the meme token spectrum, where development is often influenced by the community's passion rather than a central authority. In terms of investment, the absence of publicly disclosed institutional backers further highlights the project's grassroots foundation. It thrives on organic community support, reflecting a usual characteristic of meme-driven projects that often engage their audience through social channels rather than formal investment routes. How It Works BNB Card employs several mechanisms that delineate its functioning and innovative spirit: Token Utility: The BNBCARD token allows users access to a suite of ID creation tools while also providing a platform for community governance. The token serves as the linchpin that enables these functionalities. Blockchain Integration: By utilizing the BSC, BNB Card ensures compatibility with Ethereum Virtual Machine (EVM)-based applications. This integration provides users with the benefits of low transaction fees while enhancing accessibility. DIY Ecosystem: Central to BNB Card’s appeal is its do-it-yourself (DIY) approach to digital identity card generation. This participatory element encourages users to engage in creative expression, fostering an inclusive culture that thrives on contribution and collaboration. Timeline Chronology is vital to understanding BNB Card's trajectory. Important milestones in the project’s history include: March 18, 2025: BNB Card was listed on LBank, marking a significant step in its exchange journey and opening doors for liquidity and user accessibility. March 19, 2025: A pivotal moment occurred as the token experienced an astronomical surge of 26,000% within 24 hours, garnering attention for its potential and the community’s enthusiasm. Ongoing Developments: The project is continuously expanding its partnerships with decentralized exchanges (DEXs) like PancakeSwap, further enhancing liquidity and user engagement. Innovation and Differentiation Understanding what sets BNB Card apart involves deeper exploration into its innovative framework: Meme-Utility Hybrid: BNB Card successfully merges the playful allure of meme culture with practical applications in digital identity management. This niche approach effectively caters to a broad demographic, appealing to both tech-savvy users and those new to crypto. Decentralized Governance: Operating devoid of centralized control allows the project to harness community input directly. The collective decision-making process buoyed by community involvement empowers users, ensuring their voices contribute to the development and direction of the project. Scalability: BNB Card stands to benefit immensely from the 2025 roadmap upgrades to the BNB Chain, which include enhancements such as increased transaction speeds and the integration of artificial intelligence tools. These improvements position the project advantageously within a highly competitive environment. Conclusion BNB Card is emblematic of a new wave of digital identity solutions within the Web3 ecosystem. By blending fun, community engagement, and practical utility, it invites users to participate actively in shaping their digital personas. As the project navigates the dynamic cryptocurrency landscape, its success will likely hinge on maintaining strong community support while adapting to technological advancements and user needs. The integration of decentralization with meme culture serves not only as a means for user-driven engagement but also as a foundation for the evolving narrative surrounding digital identity in the age of blockchain. In summation, BNB Card not only exemplifies the convergence of creativity and utility within the crypto space but also underscores the importance of community in steering the future of decentralized technologies.

3.4k Total ViewsPublished 2025.03.26Updated 2025.03.26

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