Building a Bear Market Safe Haven: HBTC Continuously Launches High-Yield Financial Products to Help Users Weather the Winter
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Building a Bear Market Safe Haven: HBTC Continuously Launches High-Yield Financial Products to Help Users Weather the Winter
Everything has cycles, and so does the crypto market.
Navigating Web3 tides with focused insightsEverything has cycles, and the crypto market is no exception.
After two years of investment frenzy, on-chain data across the crypto market shrank significantly in 2022—evidence of a brutal bear market. The collapse of giants like FTX made this crypto winter especially harsh, with endless pessimism spreading throughout the industry.
With weak market momentum and declining user engagement, investors face uncertain downside risks. While "lying flat" may be safe, it's not optimal. Exchanges like Huobi have timely introduced low-risk, high-return financial products tailored for bear markets, offering users avenues for asset appreciation and helping them weather the winter safely.
Cash is King in Bear Markets: Maximize Efficiency with Stablecoins
In a bear market, cash is king. For users holding cryptocurrencies with low risk tolerance, generating passive income from idle digital assets is a smarter investment strategy.
To this end, Huobi launched its Lunar New Year Select Wealth Management Campaign. Its 7-day USDT fixed-term product offers an APY of up to 12%. Users can claim their allocation by locking in USDT in flexible savings between January 18 and January 21. Meanwhile, the 14-day USDD fixed-term product boasts an APY as high as 20%, making it the highest-yield mainstream token wealth management product in the industry.
The Select Wealth Management products are time-limited, high-yield fixed-term offerings dynamically released by Huobi. Featuring major assets such as BTC, ETH, and USDT, as well as star projects, 21 rounds have been successfully completed so far. Users can invest idle assets into each round to achieve steady portfolio growth. Yields and rules for each round are adjusted based on market dynamics, allowing successful subscribers to enjoy annualized returns above the industry average.
In the latest 22nd round of Select Wealth Management, participants in the USDT product automatically receive a base subscription quota of 5,000 USDT. Compared to previous campaigns, users now gain a guaranteed base allocation upon participation. To obtain higher interest-earning quotas, users can deposit funds into flexible savings in advance to increase their eligibility.
Additionally, Huobi has rolled out exclusive benefits for both new wealth management users and loyal Select Wealth Management customers—granting an extra 10,000 USDT subscription quota without requiring any flexible savings deposits.
Huobi is not alone. During past bull-bear transitions, exchanges like Binance and OKX have also introduced staking and yield-generating financial services. These tools serve as excellent entry points for crypto investors—especially beginners—offering relatively low risk and simple operational processes.
Security and Compliance: Building a Bear Market Safe Haven
For exchanges, bear markets are ideal times for reflection, seizing opportunities, and focused development.
Looking back at the FTX crisis in 2022, crypto users began questioning the security of asset custody on centralized platforms, plunging CEXs into an unprecedented trust crisis. Amid rising concerns, exchanges have taken steps to improve security and transparency as part of self-rescue measures.
On November 9, multiple trading platforms including Huobi and OKX announced the implementation of Merkle Tree proof-of-reserves. Huobi went further, completing a brand upgrade and unveiling new strategies centered on technology for good and global expansion.
Guided by these new strategic principles, Huobi continues strengthening its infrastructure to become a safe haven for users. Internally, it has restructured teams to prevent insider trading, "rat warehouse" practices, and other misconduct. Externally, it actively pursues compliance. Respecting and supporting regulatory policies worldwide, Huobi explores and adapts compliant operating models to meet regional requirements. This not only meets objective regulatory demands for exchange operations but also fulfills user expectations for safety and trust.
In terms of bear market development, Huobi has taken bold and aggressive moves. It was among the first to list tokens like Pi and Bonk—two assets widely discussed and followed by the community—breaking the silence of the bear market. For Huobi, the crypto market, especially during bearish periods, needs topics and momentum to boost user attention and engagement. Huobi is willing to lead the charge in industry development—even if it means creating short-term market explosions.
Conclusion
Today, the ripple effects of industry disasters like the Luna collapse and FTX implosion continue. The resulting spillover impacts, stricter regulations, and loss of user and investor confidence require all industry participants to join hands and face challenges together. Against the backdrop of FTX’s financial meltdown and Gemini Earn’s redemption crisis, Huobi Wealth Management has maintained a zero-risk track record for years—and will continue to do so. Ensuring asset safety and stable returns remains the foundation of delivering quality service to users.
Sun Yuchen, member of Huobi Global Advisory Board, said: “Surviving the bear market isn’t easy, but Huobi is a flame in the cold.” Indeed, today’s Huobi—and its Select Wealth Management and other financial services—provides a model for safely navigating the crypto winter.
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