Disclaimer: This is a general announcement and marketing communication. Products and services referred to here may not be available in your region. Terms and conditions apply. Fellow Binancians, Binance will launch an airdrop campaign rewarding all eligible users who hold Ripple USD (RLUSD) on our platform. Eligible users will share rewards from a grand prize pool of 600,000 XRP. Campaign Period: 2026-10-23 00:00 (UTC) - 2026-11-20 00:00 (UTC) How to Participate: Eligible users must hold RLUSD in balance (net assets), in any of the following account categories on Binance: Spot Account;Funding Account;Earn Account (RLUSD in Flexible Savings);Margin Account (RLUSD in Cross Margin, Isolated Margin, or Portfolio Margin). Eligible users will have to maintain at least 0.01 RLUSD in their Spot, Funding, Earn or Margin Accounts to qualify for the rewards. In the following scenarios, RLUSD holdings will receive additional bonus multiplier on rewards. DetailsAdditional Multiplier on RewardsExampleCondition AIncremental RLUSD Holding Increase vs. Prior 2 WeeksEach week, the incremental increase in RLUSD holdings will receive an additional reward for that week. Incremental amount for the week (X) = this week’s daily average Qualifying Balance minus the baseline. Baseline = the higher of the daily qualifying balances from the previous 2 weeks.1.2x 12% (assuming base APR is 10%)Condition BRLUSD Simple Earn SubscriptionSubscribe to RLUSD Simple Earn Flexible Savings.1.1x11% (assuming base APR is 10%)Condition A+Condition BBoth Conditions Met (A + B)The multipliers under A and B are stackable.If the incremental holding amount is also subscribed to RLUSD Simple Earn Flexible, that portion will receive a combined 1.3x reward multiplier.1.3x13% (assuming base APR is 10%) Note: RLUSD acquired through borrowing the other stablecoins in Margin will receive a haircut of 60%, after accounting for liabilities in Margin Accounts from other stablecoins, including USDT, USDC, U, USD1, and FDUSD. Campaign Details: Prize Pool: 600,000 XRP. Distribution: Rewards will be airdropped directly to eligible users’ Spot Accounts of their Binance master accounts. Distribution Frequency: Weekly airdrops during the Campaign Period. Reward Distribution: Rewards start accruing from 2026-10-23 00:00 (UTC). Weekly rewards will be distributed by 18:00 (UTC) every Friday in XRP. Distribution records can be found in distribution history. The Weekly Reward Amount will be roughly calculated as follows: Qualifying Balance of each day = Lowest RLUSD balance captured during those hourly snapshots on each day.Weekly Rewards = (7-day average of the Qualifying Balance * Effective APR on the distribution day * 7) / 365 After each weekly distribution, the effective APR for that period will be updated in this announcement. In determining the effective APR on the distribution day, Binance will take into account a number of factors, including, without limitation: Lowest balance of the snapshots each day;The daily aggregated amount of Qualifying Balances across all eligible holders of RLUSD;7-day average across all eligible holders of RLUSD For RLUSD acquired through borrowing other stablecoins: Eligible balance in Margin Account = RLUSD Balance Before Leverage + Leveraged Amount * (1 - 60%): RLUSD Balance before Leverage = MAX [RLUSD Balance in Margin Account - Margin Account Liabilities of the Other Stablecoins, 0] Leveraged Amount = RLUSD Balance in Margin Account - MAX [RLUSD Balance in Margin Account - Margin Account Liabilities of the Other Stablecoins, 0] Note: ”Other Stablecoins” include USDT, USDC, U, USD1, FDUSD. PeriodEffective Base APR1.1x APR1.2x APR1.3x APRXRP Token Value1st Distribution on 2026-10-30Reward Period: 2026-10-23 00:00 (UTC) to 2026-10-30 00:00 (UTC)To be updated on 2026-10-30To be updated on 2026-10-30To be updated on 2026-10-30To be updated on 2026-10-30To be updated on 2026-10-302nd Distribution on 2026-11-06Reward Period: 2026-10-30 00:00 (UTC) to 2026-11-06 00:00 (UTC)To be updated on 2026-11-06To be updated on 2026-11-06To be updated on 2026-11-06To be updated on 2026-11-06To be updated on 2026-11-063rd Distribution on 2026-11-13Reward Period: 2026-11-06 00:00 (UTC) to 2026-11-13 00:00 (UTC)To be updated on 2026-11-13To be updated on 2026-11-13To be updated on 2026-11-13To be updated on 2026-11-13To be updated on 2026-11-134th Distribution on 2026-11-20Reward Period: 2026-11-13 00:00 (UTC) to 2026-11-20 00:00 (UTC)To be updated on 2026-11-20To be updated on 2026-11-20To be updated on 2026-11-20To be updated on 2026-11-20To be updated on 2026-11-20 Case examples: User A holds 10,000 RLUSD as collateral in Margin throughout week 1. No incremental holding increase. Effective base APR is 20%, User A's rewards due to be received at the end of week 1 will be as follows:(10,000 * 20% * 7) / 365 = 38.35 USD worth of XRP User B borrowed 5,000 RLUSD from VIP loan or Margin (“liabilities”). Among this borrowed 5,000 RLUSD, 4,000 RLUSD was used as collateral in Margin, the remaining 1,000 RLUSD was held in their EARN Account in week 1. The effective base APR is 20%, User B’s rewards due to be received at the end of week 1 will be as follows:Qualifying Balance = 0 [(0 * 20% * 7) / 365] = 0 USD worth of XRP User C had 1,000 RLUSD in the Margin Account and used it as collateral to borrow 4,000 USDT through Margin (“Liabilities of the other Stablecoins”), then converted this 4,000 USDT to RLUSD. The user now holds 5,000 RLUSD in Margin (“RLUSD Balance”) in week 1. The effective base APR is 20%, User C’s rewards due to be received at the end of week 1 will be as follows:Qualifying 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(2,600 * 20% * 7) / 365 = 9.97 USD worth of XRP Important Notes: Sub-account balances are aggregated at the master account level for calculation, and rewards are distributed only to the master account. For broker accounts, the rewards will be distributed to virtual sub-accounts. Users’ RLUSD Qualifying Balance will be calculated as net assets (assets minus liabilities). RLUSD as liabilities (e.g., borrowed from VIP loans, Margin loan, etc) will be excluded from the Qualifying Balance for this campaign. Snapshots of user balances and total qualifying balances will be taken at any point of time each hour to get users’ hourly balances in the above mentioned account categories. The lowest RLUSD balance captured during those snapshots on each day will constitute their Qualifying Balance and be used to calculate their rewardsFor example, a user’s lowest RLUSD balance captured on day 1 is zero, then their qualifying balance for that day is zero. At any snapshot time, any one of users’ supported assets must be greater than 0.01 RLUSD to be included in the calculation.Users are recommended to maintain their RLUSD holding throughout the Campaign Period to maximize their rewards.Rewards distributed are rounded down to 2 decimal places. Rewards will be distributed to the Spot Account of the master account. Please note that the distribution time is not guaranteed and may change from time to time.There is no individual cap on rewards. Users’ rewards depend on their qualifying balance relative to the total qualifying balance of all eligible users and other factors.Once the reward pool is depleted, rewards will no longer be available for participants in this Campaign.Visit the Binance Announcements page to stay tuned for weekly reward distributions and updates on the Campaign. Terms and Conditions: These terms and conditions (“Promotion Terms”) govern users’ participation in the promotion above (“Promotion”). By participating in this Promotion, users agree to these Promotion Terms, and the following additional terms: (a) Binance Terms and Conditions for Prize Promotions; (b) Binance Terms of Use; and (c) Binance Privacy Notice; all of which are incorporated by reference into these terms and conditions. In the case of any inconsistency or conflict between these Promotion Terms, and any other incorporated terms, the provisions of these Promotion Terms shall prevail, followed by the  following in this order of precedence, and to the extent of such conflict: (a) Binance Terms and Conditions for Prize Promotions; (b) Binance Terms of Use; and (c) Binance Privacy Notice.Only users who complete identity verification and confirm their participation during the Campaign Period can qualify for rewards in the Campaign. The products or features referred to above may not be available in your region. Users are responsible for informing themselves about and observing any restrictions and/or requirements imposed with respect to the access to and use of Binance services in each country from which the services are accessed. Currently, users residing in the following countries or regions will not be able to participate in the Campaign (notwithstanding that they may hold RLUSD): Åland Islands (Finland), Austria, Belgium, Bulgaria, Canada, Crimea (Ukraine – disputed territory), 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, Liechtenstein, Lithuania, 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.Please note that the list of excluded countries provided here is not exhaustive and may be subject to changes due to evolving local rules, regulations, or other considerations. This list may be updated periodically to accommodate changes in legal, regulatory, or other factors.Users may not be eligible for rewards if there are active restrictions on their accounts.Broker accounts are eligible for this campaign.XRP token value for airdrop distribution will be based on the official Binance market closing price one day before the airdrop distribution day.Snapshots of user balances and total qualifying balances will be taken at any point of time each hour to get users’ hourly balances in the above mentioned account categories. The lowest RLUSD balance captured during those snapshots on each day will constitute their Qualifying Balance and be used to calculate their rewards For example, a user’s lowest RLUSD balance captured on day 1 is zero, then their qualifying balance for that day is zero. Binance reserves the right to periodically update the rules to accommodate changes in legal, regulatory, or other factors.Binance reserves the right to disqualify a user’s reward eligibility if the account is involved in any dishonest behavior (e.g., wash trading, illegally bulk account registrations/logins, self dealing, or market manipulation). Binance further reserves the right to disqualify any participants who tamper with Binance program code, or interfere with the operation of Binance program code with other software.Binance reserves the right at any time in its sole and absolute discretion to determine and/or amend or vary these terms and conditions without prior notice, including but not limited to canceling, extending, terminating or suspending this Campaign, the eligibility terms and criteria, the selection and number of winners, and the timing of any act to be done, and all Participants shall be bound by these amendments.Binance reserves the right to suspend any user's Margin borrowing at any time, without prior notice, in its sole discretion, if any abnormal or suspicious activity is detected.There may be discrepancies between this original content in English and any translated versions. Please refer to the original English version for the most accurate information, in case any discrepancies arise. Thank you for your support! Binance Team 2026-10-21 Trade on-the-go with Binance’s crypto trading app (iOS/Android) Find us on TelegramWhatsAppXFacebookInstagramDiscord Binance reserves the right in its sole discretion to amend or cancel this announcement at any time and for any reasons without prior notice. Disclaimer: Digital asset prices can be volatile. The value of your investment may go down or up and you may not get back the amount invested. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. The APR is calculated weekly, and is expressed as an annualised percentage yield for illustrative purposes only. Each APR is not indicative of future results. The APR is likely to fluctuate week-to-week and the estimated rewards may differ from the actual rewards generated. APR is an estimate of rewards you will earn in cryptocurrency over the selected timeframe. It does not display the actual or predicted returns/yield in any fiat currency. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. For more information, see our Terms of Use, and our Risk Warning. To learn more about how to protect yourself, visit our Responsible Trading page.