Questions regarding USDT binance earn 30%

Greetings!

As a newcomer, I have a few questions I hope you guys could answer. I noticed on Binance there's a promotion where you can earn 30% with USDT (with a 5% bonus up to 500 USDT). It seems a bit too good to be true, so is there any catch? Sorry if my question sounds a bit stupid, but what prevents me from putting my money here instead of in a "normal" bank account with smaller interest? I know interests can change during the year but even at 10%, it's still interesting. I know USDT is a stablecoin and its value shouldn't fluctuate a lot, could it still crash and is it likely?

Thank you for your answers!