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星辰大海➠
理财利率别只看宣传数字
R25 标 20%+，但只限前十几天，摊平后实际约 13%，锁 3 个月。
HertzFlow 11% 靠 $WLFI 补贴撑着，同样锁 3 个月。
高息几乎都有期限。该算的是「补贴停了还剩多少」。
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