Looking for reliable ways to earn on the chain? This time, we'll break down a relatively niche but practical method—connecting stablecoins to real assets through the RWA protocol.

**Step 1: Preparation**

Make sure your wallet has some BNB for gas fees and prepare a sum of USDT you want to grow (it's recommended for beginners to start with small amounts, get familiar with the process, then increase). MetaMask or similar tools are suitable.

**Step 2: Entry Point**

Find the entrance to the RWA market—don't be intimidated by the professional terminology. The interface design now closely follows wealth management apps, so it’s not difficult to use.

**Step 3: Product Comparison**

You will encounter two options: one is short-term US government bonds (with an annual yield of about 3.65%), and the other is a bundle of corporate loan assets (with an annual yield around 4.71%). Take a look at both and choose based on your risk preference.

**Step 4: Interaction Process**

Once decided, input the amount—for example, exchange 1000 USDT for bond certificates. Your wallet will prompt two confirmations: the first is to authorize the protocol to operate your USDT, and the second is the actual transaction. The entire process's gas cost is transparently displayed.

**Step 5: Holding and Exit**

After the transaction succeeds, you'll receive corresponding token certificates (e.g., tokens representing the bond products). Their value increases daily, with earnings automatically accrued. To cash out, perform the reverse operation.

**Core Logic**

What’s the secret behind USDT earning interest? Your funds are connected via on-chain protocols to real government bonds or asset portfolios managed by professional fund managers (like Janus Henderson). The protocol earns a fee from the interest spread to sustain operations.

**Risk Aspects**

Key points to consider: the security of the smart contract itself, the creditworthiness of the underlying asset providers, and whether the protocol’s expansion into high-risk activities like credit loans could drag down the entire system. These products are more suitable for participants who want to break through the exchange’s savings interest ceiling and can tolerate certain on-chain risks.