A certain leading exchange's USD1 financial product has recently pumped again - the APR shot up to 20%🤨

It looks very tempting, but don't rush to go all in just yet. There are a few pitfalls you need to be aware of:

**Fee and Premium Issues**
The transaction of USD1 itself incurs handling fees, and there is also a premium phenomenon in the market. What does this mean? Unless you already hold USD1, there is actually a cost involved when buying. If you really want to participate, you need to first calculate whether the cost can be covered by the returns.

**Limitations on quotas are crucial**
The single account limit is 50,000 USD. Within this limit, you can enjoy that enticing 20% APR. But what about the portion exceeding 50,000? The APR plummets directly to 0.26%, creating a huge gap. So don't expect to throw in 1 million and earn stable profits—the yield on large capital is almost negligible.

Overall, this financial product is still attractive to small players who already hold USD1 and do not want to over-invest. However, if you are a large investor looking to achieve quick appreciation through this, the difference in yield will disappoint you.