Binance earn USDT 18.75% flexible rate??

This seems like a very high rate - I understand USDT has not got the greatest reputation but fact remains that it is inherently tied in with crypto at this stage and if it was to go under, crypto as a whole would dip like crazy anyway. Is there anything I’m missing here to explain the high interest rate with flexible terms? I wouldn’t be keeping a lot as USDT but putting in a few hundred with almost 20% return sounds nice. Most other crypto’s have a significantly lower rate, especially other stablecoins/btc/eth