so what the point of being binance spot investor if we can have only 7% apy on earn meanwhile it says on usual website about 260%

$USUAL there is nothing in the whitepaper or documentation that says 494.6 will be the max circulating supply. you can as usual support directly if you want to verify. usd0++ stakers usual rewards emission will still continue daily until 4b max supply is reached.

please refer to usual support response below.