How to preserve and grow assets in XT.COM wealth management during a bull market when deleveraging?
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How to preserve and grow assets in XT.COM wealth management during a bull market when deleveraging?
At XT.COM, safeguarding user funds is the top priority.
Navigating Web3 tides with focused insightsMaximizing returns is the ultimate goal for every participant in the crypto market. Some investors prefer frequent buying and selling, attempting to achieve higher gains through market swings, but often end up selling their holdings too early, significantly reducing their overall profits.
An effective strategy during bull markets is actually holding assets while setting target prices and minimizing trading frequency. During the long wait, users can generate additional passive income through various financial products.
Currently, both centralized and decentralized platforms offer crypto financial products, some of which contain hidden risks that have caused severe losses for investors. Therefore, users should ideally choose platforms with strong scale, high security, broad brand recognition, diverse product offerings, and competitive yields—such as Binance, OKX, and XT.COM.
Investment link: https://www.xt.com/en/finance/simple-earn
I. Fund Security Is the Top Priority
“You want its yield; it wants your principal.” This self-deprecating joke among many investors reflects genuine concerns about the safety of financial products. Especially after the 2022 collapse of FTX’s high-yield deposit scheme, investors seem to have developed a trauma response toward crypto finance.
However, incidents like FTX are exceptions rather than norms, and cannot be completely eliminated in any market. Nonetheless, demand for crypto finance remains strong. According to datos.com, the global crypto wealth management market reached $292 billion as early as 2021 and continues to grow at an annual rate of 20%.
"Suppression doesn't work. Given continuously growing demand, the crypto market should focus on strengthening supply-side safeguards to ensure asset security and reduce or even eliminate systemic risks faced by users," said Albin Warin, CEO of XT.COM, emphasizing that risk reduction must be approached from both subjective and objective angles.
Subjectively, a user-first philosophy must be established. “At XT.COM, safeguarding user fund security is our top priority when offering financial services.” This commitment relies heavily on support from a professional asset management team.
For example, the XT.COM finance team consists of graduates from world-renowned universities such as Stanford University, National University of Singapore, Tsinghua University, and Carnegie Mellon University, with extensive experience in Web3 exchanges, traditional private equity firms, and the internet industry. As one of the largest digital currency asset management teams in the industry, they specialize in quantitative development and asset management in cryptocurrency markets, providing customized, comprehensive strategies including futures-spot arbitrage, CTA trend/reversal, CeFi-DeFi on-chain hedging, and AI-driven high-frequency quant strategies.
XT Finance offers two main categories of financial products: zero-risk and high-yield options.
Zero-risk finance: Flexible-term and fixed-term savings.
The returns from flexible-term and fixed-term savings within XT Savings come from the crypto lending market. Investor earnings are derived from interest paid by borrowers. Every borrower must pledge a certain amount of digital assets at a specified collateral ratio before obtaining a loan and paying interest to lenders.
Therefore, investing in zero-risk financial products ensures principal protection, carries no risk, and delivers stable returns. XT Finance strictly segregates funds, maintains detailed records for each lending transaction, and operates a robust collateral-based lending risk control system to guarantee stable, risk-free returns for savers.
High-yield finance: Premium Savings and Wealth Management
For users seeking higher returns, XT Finance also provides tailored financial products. Unlike standard savings products whose returns come from the lending market, Premium Savings and Wealth Management derive returns from quantitative strategies.
Quantitative strategies offer higher potential returns, backed by the expertise of XT’s strategy team and over 50 partner institutions. After five years of research and technological development, these products aim to protect user principal and secure baseline yields, while dynamically pursuing higher returns based on market conditions.
Objectively, professional risk management mechanisms must be established—from selecting quality assets and monitoring risks to multi-strategy hedging—ensuring full transparency and controllable risks throughout the investment process. In this regard, XT.COM Finance has already built a comprehensive professional risk control system tested over five years in real market conditions. Specifically, it includes the following steps:
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Careful selection of tradable assets: Only highly liquid cryptocurrencies with sound holding structures are chosen to avoid extreme volatility and market manipulation.
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Strict position control: Each strategy's exposure is kept below specific thresholds to prevent excessive profit fluctuations due to rapid market changes.
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Comprehensive hedging: All positions are fully hedged, making them immune to macroeconomic shifts or cryptocurrency price movements.
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Low leverage: Leverage is capped below 2x, or unleveraged hedging strategies are used, with real-time monitoring of margin ratios and MMR to strictly manage liquidation risks.
Take XT’s "VIP Premium Savings" as an example: user assets are custodied on the XT.COM platform, while asset management strategies are provided by 50 top global suppliers—all rigorously vetted by XT, with proven success records of more than two years of cooperation and risk validation. According to official website information, BTC Premium Savings offers an annual return range of 7%-18%, currently the highest in the industry for BTC financial products.
"Asset risk management may sound simple, but behind the scenes we've encountered many pitfalls. In this area, we’ve gone much further and are significantly ahead of competitors," shared Albin Warin, reflecting on XT.COM Finance’s past experiences. "Consider a simple comparison: the 2022 FTX crash had widespread repercussions, dragging down many so-called reputable financial platforms into insolvency or collapse—but XT.COM Finance remained unscathed. Doesn’t that demonstrate the maturity and robustness of our system?"
II. Industry-Leading Returns
Security is the primary criterion for users. With principal preservation secured, the pursuit of high yields never stops.
As market sentiment recovers and热度 returns, some users turn to decentralized financial products. While these DeFi products offer high transparency, they often have high entry barriers—especially those on the Ethereum mainnet, where gas fees can reach tens of dollars per transaction, deterring retail investors. These products also suffer from uneven returns, with significant disparities across protocols—sometimes differing by tenfold or more. Moreover, ordinary users interacting with these platforms face risks of phishing attacks leading to asset loss, or even malicious project abandonment (Rug pulls). In short, DeFi finance resembles a dark forest—not suitable for average users.
Centralized finance platforms like XT.COM Finance effectively bridge this market gap, meeting the needs of everyday investors. They offer zero entry barriers and no transaction fees, greatly simplifying participation. Additionally, diversified sources of investment returns serve as a key safeguard. "Our (XT.COM Finance) returns originate from stable lending markets and certified on-chain node earnings," explained Albin Warin.
For instance, when users deposit stablecoins into XT.COM Finance, professional asset managers deploy those funds into yield-generating DeFi protocols. The team carefully selects the most profitable, stable, and secure protocols across the entire DeFi lending landscape. Technical experts also audit protocol code to prevent vulnerabilities. All complex operations are handled by professionals—users simply click to deposit and withdraw assets, seamlessly earning returns.
Thanks to this comprehensive approach, XT.COM Finance has become an industry leader in returns. Take USDT as an example: users can choose flexible-term savings (instant deposit/withdrawal), fixed-term savings (higher yield), or VIP Premium Savings, with annualized returns ranging between 15% and 40%. Even during market downturns, as long as trading volume remains high, the team’s low-risk arbitrage strategies help ensure users’ returns do not sharply decline. By comparison, current flexible-term USDT annual yields on Binance and OKX stand at only around 6%, far below XT.COM Finance.
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Beyond traditional lending methods, XT.COM Finance also offers staking services. Many PoS networks allow participants to earn token rewards by staking coins to support network operations and governance, but face significant barriers: users need to run validator nodes, rent servers, and meet minimum staking requirements—for example, ETH requires at least 32 tokens, excluding most retail users.
With XT.COM Finance, users avoid all these complexities. There's no need to set up nodes or manage private keys—users can participate with minimal holdings. XT Staking maximizes yield distribution to users, eliminates middlemen, and uses only official or approved public chain nodes or self-operated validators, delivering direct, secure, and pure on-chain node returns.
"When users stake via our platform, the network rewards go directly to them—zero intermediary fees, maximizing benefits for XT users," said Albin Warin. Currently, XT.COM Finance offers industry-leading staking yields: as of April 10, 2024, ETH staking yields 4.1% APY, AVAX reaches 7.01%, and SOL hits 7%. XT Staking service: https://www.xt.com/en/finance/staking
III. Diverse Product Range with Multiple Options
On the financial services front, XT continues to innovate deeply, launching a wide variety of investment products including Savings Wallet, structured finance, staking mining, wealth management, cloud mining, lending markets, and more.
In Albin Warin’s words, “Whether you’re a conservative investor seeking stable returns or an aggressive investor willing to take on extra risk for higher rewards, XT Finance has the right product for you. Whether you're new to crypto or a seasoned investor, XT Finance makes your investment journey easy and enjoyable.”
A highlight is XT.COM Finance’s pioneering structured product, 'Shark Fin,' now emulated by other exchanges. Shark Fin is a structured financial product combining principal protection with high floating returns, featuring three major advantages: principal guaranteed, industry-leading floor yield, and enhanced upside potential in favorable market conditions.
Backed by derivatives-linked returns, Shark Fin offers simple access. It guarantees a base yield of 7%, and if the market trends upward within a defined range, it can generate very high floating returns—exceeding 12%—delivering significantly above-average returns for risk-averse, stability-focused investors.
Another structured product, 'Dual Currency Savings,' is also a popular choice among crypto enthusiasts. Dual Currency Savings is an options-based structured product involving two cryptocurrencies, designed for high returns. Users select investment currency, settlement currency, expected yield, investment amount, target price, and settlement date. Upon maturity, final returns and settlement currency depend on the settlement price versus the reference price. Available in 'Buy Low' and 'Sell High' variants, this product helps investors ignore short-term volatility while securing the highest possible floating yields across the network.
Lastly, the platform recently launched its cloud mining products—KAS perpetual mining futures and SMH perpetual mining. Simply put, users can participate in mining smaller cryptocurrencies without purchasing mining hardware, searching for cheap electricity, or handling setup and logistics.
Moreover, XT Cloud Mining (e.g., KAS cloud mining) costs 20%-60% less than buying and operating physical miners on the open market. Electricity costs are also significantly lower than industry averages. With a single upfront investment, users gain perpetual mining rights. Even after recovering initial costs, profits continue flowing, with no worries about hardware depreciation.
Interested users can visit the official site for details:
https://www.xtcore.plus/zh-HK/finance/cloud-mining.
Now, invite friends to subscribe to cloud mining and enjoy a 10% commission reward.
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