Binance's IOTA Yield Strategy: 29.9% APR for 120-Day Locks

Binance has launched IOTA Locked Products with an annual percentage rate (APR) of up to 29.9%, marking the latest addition to its Simple Earn platform. The promotion period for these products runs from October 1, 2025, at 10:00 UTC, to December 29, 2025, at 09:59 UTC. Users must subscribe to the products during this window to qualify for the advertised rewards, which are distributed daily starting the day after a successful subscription. The APR varies by lock duration: 16.9% for 30 days, 20.9% for 60 days, and 29.9% for 120 days. Subscriptions follow a first-come, first-served basis, with minimum and maximum limits affecting eligibility. Users must complete identity verification during the promotion period to participateBinance Announces IOTA Locked Products Update with Up to …^[1].

The initiative allows users to acquire IOTA via Binance's Spot Market or Buy Crypto page, using multiple payment methods. Once purchased, IOTA can be allocated to the Locked Products section under the Earn menu. The reward calculation period begins at 00:00 UTC the day after a subscription is finalized and lasts until the end of the subscription period. Binance reserves the right to adjust APRs post-promotion without prior notice, a standard clause in such programs. Users can monitor their subscriptions under the Assets > Earn > Simple Earn > Locked section and opt for automatic renewal via the Auto-Subscribe functionBinance Announces IOTA Locked Products Update with Up to …^[1].

The unlock period for Locked Products ranges between 48 and 72 hours, with early redemption returning assets to users' Spot Accounts within 72 hours, subject to conditions. Binance emphasizes that APR is an estimate of rewards and does not guarantee actual returns in fiat terms. The platform also highlights that digital asset values are volatile and that users bear sole responsibility for investment decisions. Terms and conditions, including disqualification for dishonest behavior, apply to the programBinance Announces IOTA Locked Products Update with Up to …^[1].

The 120-day, 29.9% APR option represents the highest yield among the available terms, reflecting Binance's strategy to incentivize longer-term participation. The promotion aligns with broader trends in the crypto market, where exchanges compete to offer attractive yield-bearing products to retain users. By structuring rewards around lock durations, Binance aims to balance user flexibility with the platform's liquidity needs. The tiered APR structure also provides users with choices based on their risk tolerance and capital availabilityBinance Announces IOTA Locked Products Update with Up to …^[1].

Users are advised to review Binance's Terms & Conditions for Locked Products before subscribing. The platform notes that digital assets are subject to market fluctuations and that the value of investments may decrease. While the APR is a key metric for evaluating returns, it does not account for potential price movements of IOTA itself. Binance's role in this context is to facilitate the reward mechanism, not to manage the underlying asset's performanceBinance Announces IOTA Locked Products Update with Up to …^[1].

The launch of IOTA Locked Products underscores Binance's ongoing efforts to expand its yield-generating offerings. By introducing varying lock durations and APRs, the platform caters to a diverse user base, from short-term investors seeking liquidity to long-term holders prioritizing compounding rewards. The promotion period's duration-over two months-provides ample time for users to assess the product before the APR adjustments take effect. Binance's inclusion of an Auto-Subscribe feature further simplifies the renewal process, reducing user frictionBinance Announces IOTA Locked Products Update with Up to …^[1].