This is a general announcement. The products and services mentioned herein may not be available in your region.

Dear users:

Starting from 08:00 on 2026-09-25 (UTC+8), Binance will launch an airdrop promotion for eligible users holding Ripple USD (RLUSD) on the platform. Eligible users will share a total prize pool of 800,000 USD worth of XRP.

During the promotion, XRP rewards will be distributed to eligible users holding RLUSD every Saturday before 02:00 (UTC+8).

Promotion period: 2026-09-25 08:00 to 2026-10-23 08:00 (UTC+8)

How to participate:

Users who meet the eligibility criteria must hold an RLUSD balance (net assets) in any of the following Binance account types:

• Spot account

• Funding account

• Savings account (flexible savings)

• Margin accounts (cross, isolated, or unified account)

Users need to hold at least 0.01 RLUSD in a spot, funding, savings, or margin account in order to be eligible for rewards.

Under the following circumstances, RLUSD positions can enjoy an additional reward boost multiplier:

For RLUSD obtained by borrowing other stablecoins via a margin account, after deducting other stablecoin (including USDT, USDC, U, USD1, and FDUSD) liabilities in the margin account, a 60% value discount will be applied.

Event details:

• Total prize pool: the equivalent of 800,000 USD in XRP tokens, distributed over 4 weeks

• Distribution method: Rewards will be directly air-dropped to the spot account of the eligible users’ Binance Main accounts

• Distribution frequency: One air-drop per week during the event

Reward distribution:

Rewards will start calculating from 08:00 on 25 Sep 2026 (UTC+8). XRP rewards will be distributed every Saturday before 02:00 (UTC+8). Distribution records can be viewed in your Distribution History.

The approximate weekly reward calculation is as follows:

• Daily eligible balance = the lowest RLUSD balance in the hourly snapshots of the day

• Weekly reward = (7-day average of eligible balances * effective annualized yield on distribution day * 7) / 365

After the weekly distribution of rewards, the effective annualized yield for the reward period will be updated in this announcement. The calculation of the effective annualized yield on the distribution day will take into account:

• Daily snapshot: the lowest balance;

• Total daily balance of all eligible users holding RLUSD;

• The 7-day average balance of all eligible users holding RLUSD.

For RLUSD obtained by borrowing other stablecoins via a margin account, the eligible balance in the margin account is calculated as follows:

Eligible balance = RLUSD balance before the margin borrow + margin borrow amount * (1 - 60%), where:

• RLUSD balance before the margin borrow = MAX[RLUSD balance in the margin account - other stablecoin liabilities in the margin account, 0]

• Margin borrow amount = RLUSD balance in the margin account − MAX[RLUSD balance in the margin account - other stablecoin liabilities in the margin account, 0]

Note: Other stablecoins include USDT, USDC, U, USD1, and FDUSD.

Case demonstration:

• User A holds 10,000 RLUSD in a margin account in Week 1. Assuming the effective annualized yield on the distribution day is 20%, the reward to be earned at the end of the first week is:

  • 【（10,000 * 20% * 7）/ 365】 = the equivalent of 38.35 USD in XRP

• User B borrows 5,000 RLUSD (as a liability) from VIP borrowing or via margin. Of these 5,000 RLUSD, 4,000 RLUSD are used as collateral, and the remaining 1,000 RLUSD are stored in their savings account during the first week. Assuming the effective annualized yield on the distribution day is 20%, the reward to be earned at the end of the first week for User B is:

  • Eligible balance = 0

  • 【（0 * 20% * 7） / 365】 = the equivalent of 0 USD in XRP

• User C has 1,000 RLUSD in a margin account and borrows 4,000 USDT (“other stablecoin liabilities”) against it as collateral, then converts the 4,000 USDT to RLUSD. The user now holds 5,000 RLUSD in the margin account (“RLUSD balance”). Assuming the effective annualized yield on the distribution day is 20%, the reward to be earned at the end of the first week for User C is:

  • Eligible balance = MAX [5,000 - 4,000, 0] + {5,000 - MAX[5,000 - 4,000, 0] } * (1 - 60%) = 1,000 + (5,000 -1,000) * (1 - 60%) = 2,600

  • 【（2600 * 20% * 7）/ 365】 = the equivalent of 9.97 USD in XRP

Important notes:

• A user’s eligible RLUSD balance will be calculated based on net assets (assets minus liabilities). The liability portion (e.g., VIP borrowing, margin borrowing, etc.) will not be included in the eligible balance for this event.

• The snapshots of users’ balances and total eligible balances are taken multiple times per hour. The lowest RLUSD balance on a given day will be used as the eligible balance for that day to calculate rewards. The lowest RLUSD balance recorded in the daily snapshot will be used as the user’s eligible balance and for calculating rewards.

  • For example, if a user’s lowest RLUSD balance recorded on the first day of the event is zero, then the user’s eligible balance for that day is zero.

• At the time of snapshot, any supported asset balance must be greater than 0.01 RLUSD to be included in the eligible balance.

• Please ensure you keep holding RLUSD during the event to maximize rewards.

• Rewards will be distributed to the spot account corresponding to the sub-account. Reward amounts will be rounded down to 2 decimal places. Distribution timing may be adjusted and no further notice will be provided.

• There is no personal reward cap. Users’ rewards depend on factors including the proportion of their eligible balance to the total balance of all eligible users.

• Please pay attention to weekly reward distributions and event updates.

Terms and Conditions:

• If a user’s account has any restrictions, they may not be eligible to receive rewards.

• The trading volume and balances of sub-accounts will be aggregated at the main account level for calculation, and rewards will only be distributed to the main account. For broker accounts, rewards will be distributed to the virtual sub-account.

• The value of XRP token air-drop distributions will be based on the official closing price of Binance’s market on the day before the air-drop distribution date.

• The snapshots of users’ balances and total eligible balances are taken multiple times per hour. The lowest RLUSD balance on a given day will be used as the eligible balance for that day to calculate rewards. The lowest RLUSD balance recorded in the daily snapshot will be used as the user’s eligible balance and for calculating rewards.

• At the time of snapshot, any supported asset balance must be greater than 0.01 RLUSD to be included in the eligible balance.

• Broker accounts are eligible. Binance reserves the right to adjust the rules at any time.

• Users must complete identity verification (KYC) and participate only from eligible jurisdictions. The following countries/regions’ users are not eligible to participate (even if they hold RLUSD):

  • Aland Islands, Austria, Belgium, Bulgaria, Canada, Crimea (disputed territory in Ukraine), Croatia, Cyprus, Czech Republic, Denmark, Democratic People’s Republic of Korea, Donetsk People’s Republic, Estonia, Faroe Islands, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Islamic Republic of Iran, Italy, Japan, Latvia, Lithuania, Liechtenstein, Luhansk People’s Republic, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Norway, Poland, Portugal, Republic of Cuba, Réunion, Romania, Russian Federation, Saint Martin (French part), Slovakia, Slovenia, Spain, Sweden, United Kingdom, United States of America and its territories.

  • The list of restricted countries or regions may be updated from time to time in accordance with changes in laws, regulations, and other factors;

• Binance reserves the right to cancel a participant’s eligibility at any time, for any reason, if Binance determines that the participant has tampered with Binance program code or used other software to interfere with the operation of Binance program code.

• Binance reserves the right to immediately cancel the eligibility of any participant who is found to have engaged in fraudulent activities or not complied with any applicable terms and conditions at any time.

• Binance reserves the right to cancel or modify the event or event rules at its sole discretion.

• If any abnormal or suspicious activity is detected, Binance may, at any time and at its sole discretion, suspend any user’s margin borrowing without prior notice.

• The English original announcement and the translated version may differ. If there are any discrepancies, please refer to the English original announcement for the most up-to-date or accurate information.

Thank you for your support of Binance!

Binance Team

24 Sep 2026

Note:

• This announcement was updated on 25 Sep 2026 to clarify the operating mechanism of this event.

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