> For the complete documentation index, see [llms.txt](https://support.backpack.exchange/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.backpack.exchange/support-docs/cn/jiao-yi-suo/xiang-mu-yu-ji-hua/usd-shou-yi-jia-cheng-ji-hua.md).

# USD收益加成计划

USD收益加成计划允许达到特定交易量、BP 质押或持有资产门槛的用户，在标准借贷利率和稳定币利率的基础上，额外赚取借出USD的收益。额外收益因等级不同，范围为 +0.50% 至 +3.00% 年化收益率，并适用于每个等级对应的借出加成上限。

要解锁额外USD收益，您需要满足以下 BP 质押量、持有资产、合约交易量或现货交易量门槛之一。

**各等级额外收益**

| **收益加成等级** | **质押 BP** | **持有资产**   | **近 30 天现货交易量** | **近 30 天合约交易量** | **额外收益（年化）** | **借出加成上限** |
| ---------- | --------- | ---------- | --------------- | --------------- | ------------ | ---------- |
| VIP1       | 50,000    | $250,000   | $15,000,000     | $50,000,000     | +0.50%       | $50,000    |
| VIP2       | 100,000   | $500,000   | $25,000,000     | $100,000,000    | +1.00%       | $100,000   |
| VIP3       | 200,000   | $1,000,000 | $50,000,000     | $150,000,000    | +1.50%       | $250,000   |
| VIP4       | 350,000   | $2,500,000 | $75,000,000     | $200,000,000    | +2.00%       | $500,000   |
| VIP5       | 500,000   | $5,000,000 | $100,000,000    | $300,000,000    | +3.00%       | $1,000,000 |

**运作方式**

额外收益是一项独立的固定组成部分，叠加于浮动借贷利率和稳定币利率之上。若当前借贷利率为 1%，当前稳定币利率为 2%，且您处于 VIP5 等级（额外收益 3%），则您的USD净年化收益率为 6%。您可在[借贷页面](https://backpack.exchange/lend/USD)查看当前USD借贷利率和稳定币利率。

额外收益仅适用于借出加成上限以内的借出USD。超出上限的借出余额仅享有借贷利率和稳定币利率。BTC、USDT 和 SOL 等其他资产不适用额外 VIP 收益加成计划。

VIP 加成利率与USD稳定币收益一同按月发放。

{% hint style="info" %}
**注意：** 加成收益按您在当月任一时点所持有的最低 VIP 等级计算。即使您的等级在当月内发生多次变化，此规则同样适用。
{% endhint %}

**示例**

假设以下条件：

* 当前USD出借利率：1.00% 年化
* 当前稳定币利率：2.00% 年化
* 等级：VIP 3（额外收益 +1.50%，借出加成上限 $250,000）
* 借出USD保证金：$200,000

由于 $200,000 低于 $250,000 的借出加成上限，全部余额均可享受利率加成。

您的USD净利率 = 1% + 2% + 1.5% = 4.5%

若余额为 $300,000，则仅前 $250,000 享有 4.50% 年化收益率——剩余 $50,000 仅享有当前借贷利率（1%）和稳定币利率（2%）合计 3.00% 的年化收益率，不享受 VIP 加成。

如需查看您的收益加成等级，请访问 [BP 质押页面](https://backpack.exchange/bp)，点击"额外USD收益（Extra USD Yield）"部分。

*Backpack 保留随时终止或更新本计划的权利。*


---

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