Jenny has just finished reading the stablecoin report from Binance Research Institute @ Binance, and her biggest feeling is that stablecoins are no longer the 'currency speculation medium' we thought they were. Let's first look at three sets of numbers: Since 2022, Binance Earn has issued $1.2 billion in returns to stablecoin holders, with an annualized rate of 2% to 4% for on chain dollars, while the national average savings rate in the United States is only 0.38%, a difference of more than 8 times; 30% of Binance users put more than half of their positions in stablecoins, compared to only 4% in 2020; 87% of fiat currencies are traded at a premium when buying stablecoins. More and more people are using stablecoins as an investment/savings tool. Jenny Jun has experienced this firsthand. The most enjoyable period for cryptocurrency enthusiasts should be the period from 2022 to 2023, when the USD/CNY rose from 6.3 to 7.3 without doing anything, and the exchange rate alone increased by about 15% out of thin air. Combined with various wealth management activities of Binance in recent years, the annualized value of U in the bull market can reach around 10% at one point. Comparing this to mainland China's annualized wealth management, which is only around 2%, I have to ask you, who else has such stable and fragrant returns? So, thanks to the cryptocurrency community, we also have to thank Binance. If you want to follow this wave of stable coin interest and try using the on chain US dollar, open a Binance account with invitation code JN188, save 20% on transaction fees, and save real money and silver.