There is indeed a difference between Dash ROI through masternodes (5.62% annual), which in most cases* is decentralized and trustless of nature and in full control of masternode owners and ROI through Binance Locked Savings (7.12% annual, 90 days), which is part of Binance Business plan and a centralized form of exchange staking.
You leave quite a lot out of the account.
For a start, without taking the capital loss of collateral into account, ROI refers to how thin you slice the cake, not "Return On Investment".
Secondly, if it's the case that the return on staking at Binance is indeed due to the balance being actively traded (which I'm not saying it does, but if it were) then at least that ROI has some real economic basis. That is to say the return comes from OUTSIDE of the Dash ecosystem and nourishes it rather than coming from the blockchain itself, thereby eating up the capital value of the chain and spitting it out into masternode pockets without them having to replace that value (in the way that miners do).