APR in banks sucks now so there is more and more lending products out there in crypto world where you can make depending on the coin up to 10% a year. Passive stuff as hell, places that have the offers all the time are listed here - best cryptocurrency lending products
- register or open Binance
- top left - Earn -> Lending
So if you example you sold BTC yesterday for USDT you can now rebuy the same amount and take the USDT to 30 day 6% freeze. Win-win.. ;)
So yes guaranteed APR is better when the swings are so big on everything. Just remember its guaranteed by Binance not the god allmighty - not your privkeys not your coins.