Huobi HTX's New Financial Product – Shark Fin Now Live, Enjoy Up to 8% Base APY (Limited Time), Is It Worth Buying?
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Huobi HTX's New Financial Product – Shark Fin Now Live, Enjoy Up to 8% Base APY (Limited Time), Is It Worth Buying?
By purchasing Huobi Shark Fin products, investors can enjoy a base annualized return while pursuing higher floating returns, protecting their principal from market volatility.
Navigating Web3 tides with focused insightsAccording to an official announcement from Huobi HTX, Huobi Wealth Management's new product—Shark Fin—will open for subscription on September 14 at 20:00 (UTC+8).
It is reported that the expected return range for this period is 8%–38%. With limited-time platform subsidies, the base yield reaches 8% (actual yields will fluctuate based on market conditions and are subject to final realized product performance).
All Huobi HTX users can subscribe during the subscription period via their main account by navigating to “Huobi Wealth Management” → “Shark Fin” page.
By purchasing the Huobi Shark Fin product, investors can enjoy a base annualized return while also pursuing higher floating returns, all while protecting principal from market volatility.
What exactly is this so-called "Shark Fin" product? Let’s break it down in detail.
What Is Shark Fin? Overview of Its Advantages and Disadvantages
Shark Fin is a structured financial product. Also known as knock-out options, shark fin options involve trigger conditions referred to as "knock-out price" and "knock-in price," which determine when the contract becomes invalid or effective.
Simply put, suppose BTC is currently at a low level and we believe it is likely to rise in the future—we might then purchase a bullish product. There are two types of Shark Fin products: "Bullish Shark Fin" and "Bearish Shark Fin."
Purchasing a Shark Fin product not only offers the chance to earn maximum returns but also guarantees a base return even if your directional prediction is incorrect. Because its payoff curve resembles the shape of a shark's dorsal fin above water, such products are vividly named "Shark Fin."
How Shark Fin Generates Profits:
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If the underlying cryptocurrency price remains within the specified price range throughout the observation period, investors receive a higher rate of return;
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Conversely, if the price exceeds or falls below the range, investors still receive a fixed base yield.
Advantages of Shark Fin:
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Short investment term with relatively good liquidity;
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Principal and base returns are protected, with yields among the highest in the industry. An 8% annualized base return is significantly higher than traditional fixed-income products. Even with an incorrect directional bet, time cost is minimized;
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Bearish structures offer a risk hedging tool without requiring users to bear risks directly—platform risk controls ensure asset safety and reliability;
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One-click subscription makes operations simple and convenient.
Disadvantages of Shark Fin:
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High knowledge barrier—it requires predicting short-term market direction, making it suitable for those with some trading experience;
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Opportunity costs may be incurred since returns are capped annually. If you are highly optimistic about the market in the short term, futures contracts could generate greater profits. However, they lack guaranteed base returns, demanding higher psychological tolerance. Each approach has its trade-offs.
Different products suit different market conditions. Adjusting strategies dynamically according to changing markets is key to long-term asset allocation and successfully navigating bull and bear cycles.
Huobi HTX Shark Fin: A Great Product to Ride Through Bull and Bear Markets
According to Huobi HTX, the exchange’s structured Shark Fin product will open for subscription on September 14 at 20:00 (UTC+8). Users can choose from four underlying assets: Bullish BTC, Bearish BTC, Bullish ETH, and Bearish ETH. The product cycle lasts 7 days with USDT as the investment currency. Expected returns range from 8% to 38%, with a platform-limited subsidy offering a base yield of 8% (actual returns vary with market movements and are subject to final performance). On maturity dates (every Friday), principal and returns will be credited to users’ funding accounts around 18:00.
The rules for Huobi HTX Shark Fin follow the general mechanics described above:
Bullish Shark Fin
Scenario 1. Highest index price during accrual period exceeds knock-out price
If the highest index price is $34,000, exceeding $33,000, your annualized yield will be 6%.
Total return = 1,000 × 6% × 7/365 = 1.150 USDT.
Scenario 2. During the accrual period, the index price remains below or equal to the knock-out price at all times, and the settlement price falls within the target range.
If the index price stays under $33,000 before settlement, and the settlement price is $31,000—between $30,000 and $33,000—your annualized yield will be 16%.
Annualized yield = 6% + (31,000 - 30,000)/(33,000 - 30,000) × (36% - 6%) = 16%.
Total return = 1,000 × 16% × 7/365 = 3.068 USDT.
Scenario 3. During the accrual period, the index price remains below or equal to the knock-out price at all times, but the settlement price falls below the target range.
If the index price stays under $33,000 before settlement, and the settlement price is $29,000—below $30,000—your annualized yield will be 6%.
Total return = 1,000 × 6% × 7/365 = 1.150 USDT.
Bearish Shark Fin
Scenario 1. Lowest index price during accrual period falls below knock-out price
If the lowest index price is $29,000, below $30,000, your annualized yield will be 6%.
Total return = 1,000 × 6% × 7/365 = 1.150 USDT.
Scenario 2. During the accrual period, the index price remains above or equal to the knock-out price at all times, and the settlement price falls within the target range.
If the index price stays above $30,000 before settlement, and the settlement price is $31,000—between $30,000 and $33,000—your annualized yield will be 26%.
Annualized yield = 36% - (31,000 - 30,000)/(33,000 - 30,000) × (36% - 6%) = 26%.
Total return = 1,000 × 26% × 7/365 = 4.986 USDT.
Scenario 3. During the accrual period, the index price remains above or equal to the knock-out price at all times, but the settlement price exceeds the target range.
If the index price stays above $30,000 before settlement, and the settlement price is $34,000—above $33,000—your annualized yield will be 6%.
Total return = 1,000 × 6% × 7/365 = 1.150 USDT.
No matter how volatile the market, Shark Fin ensures USDT returns for users. Principal is fully protected and unaffected. If, during the accrual period, the index price remains within the expected range at all times and at settlement, users enjoy higher annualized returns. If the index price ever breaches the knock-out level, users still receive a guaranteed base return.
Subscription for Huobi HTX Shark Fin opens weekly from Thursday 20:00 to Friday 20:00 (UTC+8). All Huobi HTX users can subscribe through their main account during this window. By investing in the Huobi HTX Shark Fin product, investors can enjoy base annualized returns while chasing higher floating gains—all while shielding principal from market fluctuations.
Base Return Plus Super High Yield? Is Huobi HTX Shark Fin Worth Buying?
Huobi HTX Shark Fin stands out, but whether it’s truly worth buying depends on analyzing both returns and risks.
First, the maximum expected annualized return can reach up to 38%. Traditional financial products rarely match digital asset yields, with many bank理财产品 now yielding under 5%. Among crypto-based wealth management tools, Shark Fin clearly excels, offering a rare opportunity to earn up to 38%.
Second, the cost of error is low—principal is protected, with a minimum return of 8%, indicating lower risk. In contrast, futures trading carries a high risk of losing principal.
While similar products with wide return ranges—guaranteed base returns plus potential for high upside—are offered by other exchanges, specific terms vary slightly. Careful comparison is needed to select the best fit.
As a novel financial product, Shark Fin has a complex structure—not everyone should invest.
It primarily suits investors with some capital, moderate risk tolerance, basic market insight, yet hesitation about direct market entry. Put simply, it’s ideal for those seeking high returns but fearing losses—perfect for stable, sideways markets and conservative or steady investors and finance enthusiasts.
Buying Shark Fin allows you to participate in the market, experience real gains and losses, and earn partial returns—though not as much as aggressive traders, nor as much loss. For interested users with idle funds, trying it out isn’t a bad idea.
As a stable virtual asset allocation tool, Huobi Wealth Management boasts professional digital asset custody experience and a variety of well-received products, meeting diverse user needs. Notably, during its initial launch phase, the Huobi Shark Fin product includes limited-time platform subsidies—worth close attention.
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