An Introduction to Huobi Earning Products: The First Choice for Crypto Investment Beginners
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An Introduction to Huobi Earning Products: The First Choice for Crypto Investment Beginners
Choosing Huobi HTX means choosing steady earnings in crypto.
Navigating Web3 tides with focused insightsOver the past decade, the cryptocurrency market, represented by Bitcoin, has delivered astonishing returns. Against the backdrop of a global economic slowdown, the crypto market—after more than a decade of development—continues to attract users worldwide with its openness, diversity, and increasing standardization.
For global crypto users, exchanges are their first stop. As a leading one-stop digital asset trading platform, HTX (formerly Huobi) has always adhered to a user-first principle. In 2023 alone, HTX conducted 12 full-year asset audits, consistently maintaining reserve ratios above 100%. Through strict reserve policies, HTX ensures the security of user assets and protects user interests with exceptional accountability.
Choosing HTX means choosing secure and steady earnings. Currently, HTX Earnings offers multiple tools for asset growth. Each product has unique features, allowing users to select based on individual needs. HTX Earnings products stand out with clear advantages: diverse product lines, high annualized yields, and low entry barriers. Simply navigate to “Earnings” in the top menu on the HTX website or on the homepage of the official HTX app to begin your new earnings journey.
1. Earnings Products: Easy to Use, New Users Enjoy 100% APY
HTX Earnings helps users earn rewards on idle assets through flexible or locked-term options.
Flexible Savings is a liquid product that allows instant redemption with daily interest payouts automatically reinvested. Users can earn while maintaining liquidity.
Fixed-Term Savings offers higher returns in exchange for committing assets until a predetermined maturity date. The "New User Exclusive" 7-day fixed-term product offers up to 100% APY across 35 popular cryptocurrencies, letting new users experience earnings in just seven days.
Additionally, HTX Earnings supports newly listed tokens through its "New Token Earnings" program, featuring handpicked high-APY and trending assets, offering cutting-edge and high-potential earning opportunities with yields as high as 1,000%.
Fixed-term Earnings products auto-redeem upon maturity, with daily updated returns. Ideal for users holding idle funds in their spot wallets, these simple investment products allow users to earn passive income effortlessly—true “sleeping income”—if they don’t plan to use those funds immediately.
2. Large-Amount Flexible Savings: Stable Returns, Ideal for Long-Term Holding
Large-Amount Flexible Savings is designed for substantial long-term investments, offering higher returns with instant redemption availability. It has minimum investment thresholds and redemption fees, which decrease with longer holding periods (minimum fee: 0).
This product offers four key advantages:
1. Stable Returns: Yields exceed those of regular flexible savings and remain consistent;
2. Flexible Subscription and Redemption: Supports anytime subscription and redemption, with T+0 settlement;
3. Secure and Reliable: Backed by HTX’s robust risk control system, ensuring asset safety;
4. Tiered Redemption Fees: With fixed annualized yield, longer holding reduces redemption costs and increases net returns.
A redemption fee of 0–0.5% of the principal applies per withdrawal, decreasing with longer holding (down to 0%). Interest starts accruing the day after subscription (T+1), paid out together with principal upon redemption. For redemptions on day T, interest is calculated up to day T–1. Minimum purchase amounts vary by coin—refer to the subscription page for details.
3. Shark Fin: Flexible Strategy, Pursuing Higher Returns
Shark Fin is a new product recently launched by HTX Earnings, named for its return curve resembling a shark’s fin. Evolved from options products, it comes in two types: Bullish Shark Fin and Bearish Shark Fin. It features a fixed settlement date, floating yield, and guaranteed base return. Final returns depend on the accuracy of the user’s market direction forecast.
Key features and benefits of Shark Fin:
1. Principal protected;
2. Guaranteed base return;
3. Potential for additional upside beyond base return;
4. Short duration, minimizing impact on fund liquidity;
5. Combines advantages of American, European, and knock-in/knock-out options for greater flexibility.
The greatest appeal of Shark Fin lies in enabling investors to pursue market volatility gains on top of stable base returns.
Shark Fin suits a broad range of investors:
1. Conservative Investors: With principal protection and base returns, even risk-averse users can participate.
2. Stability-Seekers Chasing Higher Yields: Ideal for those wanting to boost returns beyond stable earnings.
3. New Investors: Guarantees base returns while exposing users to market-driven fluctuations.
4. Options-Curious Investors: As an options-based product, Shark Fin serves as a gateway to understanding options mechanics before diving into direct options trading.
Currently, HTX Earnings Shark Fin offers 3-day and 7-day terms, with an upcoming “Auto-Renewal” feature that automatically reinvests the principal from the prior term into the same product, enabling continuous earnings without manual re-subscription. As a low-risk structured product, Shark Fin guarantees base returns regardless of market volatility, fully protecting user principal. As of November 30, 2023, HTX Earnings has issued 12 Shark Fin product cycles. Users can subscribe during the offering period via “Earnings” → “Shark Fin”.
4. Dual Asset: Clear Yield, Earn Two Coins
Dual Asset is a non-principal-guaranteed structured product composed of two cryptocurrencies. Investors select a target price and date, gaining the opportunity to buy low or sell high on specified digital assets in the future.
Dual Asset is a floating-return, non-capital-protected product. Users can invest in BTC, ETH, AVAX, SOL, or other supported coins to earn returns. At subscription, the yield is fixed and transparent, but the settlement currency at maturity is uncertain—it depends on whether the market price of the underlying digital asset index meets predefined strike price conditions at expiry.
HTX continues to expand the variety and flexibility of available Dual Asset pairs. The product logic is summarized as follows:
1. At purchase, users select the Dual Asset product, investment amount, strike price, maturity date, and optional redemption price.
2. Upon purchase, users immediately receive accrued interest in their options account.
3. On maturity (settlement) date, the initial investment is returned in full—or exchanged into the alternative currency at the strike price—depending on whether the product is “exercised.”
All HTX Dual Asset products follow the “Base Currency – Alternative Currency – Dual Asset” framework. The base currency is used to purchase the product and is returned if the option is not exercised. The alternative currency is delivered if the option is triggered at maturity.
By purchasing a Dual Asset product, users lock in a fixed periodic interest return. While not capital-protected, Dual Asset carries lower risk compared to direct derivatives trading. Compared to simply holding coins amid market volatility, Dual Asset offers superior return potential.
Dual Asset is ideal for investors who: accumulate coins during sideways markets, time bottom entries during downturns, take profits during rallies, or adopt long-term or sophisticated investment strategies.
Considering growing demand for diversified capital management in bull markets, HTX Earnings has upgraded its functionality. Now, during spot trading, users can freely choose whether to use flexible savings balances. Notably, HTX Earnings has launched the “Auto-Earnings” feature. All flexible savings coins now support Auto-Earnings—just one click enables automatic earnings generation on spot holdings, allowing users to start earning immediately. With instant deposits and withdrawals, secure assets, and stable returns, this upgrade better meets evolving user needs. Once enabled, the system automatically begins compounding investments daily at 18:00 (GMT+8).
HTX Earnings is a reliable virtual asset allocation tool—“one-click earnings, daily growth”—with a diverse product suite centered on user needs and backed by HTX’s stringent risk controls, fully securing user assets. HTX Earnings aims to deliver a superior, seamless asset management experience.
This year marks HTX’s eleventh year of secure operations. HTX will continue building a comprehensive, one-stop cryptocurrency trading platform encompassing spot, derivatives, wealth management, and asset management services—fulfilling its vision of financial freedom for all eight billion people worldwide and becoming a trusted Web3.0 financial freedom hub for global users.
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