The Second Half of Crypto Finance: Huobi Earn Rebuilds “Certainty” in a Highly Volatile Market
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The Second Half of Crypto Finance: Huobi Earn Rebuilds “Certainty” in a Highly Volatile Market
HTX believes that crypto finance is entering a more mature stage of development; that users deserve long-term, thoughtful service; and that stability, transparency, and sustainability—not short-term hype—are the true capabilities needed to endure market cycles.
Navigating Web3 tides with focused insightsThe crypto narrative of the past decade has been driven by FOMO.
During bull markets, users chase momentum; during bear markets, they stand by and watch; trends rotate endlessly… For the vast majority of users, their assets sit on exchanges—either churning at high frequency or lying dormant with low efficiency.
But since entering 2025, a subtle yet unmistakable shift has begun: stablecoin market capitalization continues to hit new all-time highs, and on-chain yield-generating activity persists across market cycles. An increasing number of users are asking a critical question: Can my crypto assets be “managed” seriously—just like traditional assets?
Beneath this shift lies a broader evolution: crypto finance is gradually transitioning from “high-risk gambling” toward an era of “long-term asset allocation.”
As user needs evolve, so too is the role of exchanges being redefined: trading platforms are no longer merely venues for asset matching and liquidity provision—they are increasingly becoming long-term asset management gateways for users entering the crypto world.
Over the past 15 months, Huobi HTX’s suite of yield products—including product iterations, yield-structure adjustments, and asset-portfolio optimizations—has revolved around one central question: As the industry progressively embraces long-termism, what capabilities and form should a truly mature exchange-based yield business possess?
Four Strategic Choices Behind Huobi Earn
Returning “Certainty” to Users
The crypto world is never short of high-yield narratives—but what’s truly scarce is steady, risk-validated returns that endure across cycles.
Over the past year, Huobi Earn has consistently prioritized its stablecoin demand-deposit products as foundational infrastructure. Across major stablecoins—including USDT, USDD, USDC, USDE, and USAT—the platform has built a core yield framework characterized by low entry barriers, strong liquidity, transparent yields, and instant deposit/withdrawal flexibility.
The USDD demand-deposit product stands out as the most representative case of this strategy.
In Q1 2025, markets entered a volatile correction phase. Mainstream asset volatility intensified, risk appetite declined markedly, and large inflows shifted from high-frequency trading toward stable-yield management. Recognizing this trend, Huobi HTX partnered with TRON to launch a high-yield USDD demand-deposit product—offering a differentiated yield solution within the stablecoin space.
Unlike conventional USDT- or USDC-based products—typically positioned as “low-volatility, low-yield”—USDD, as TRON’s native ecosystem stablecoin, leverages Huobi HTX’s deep order book and liquidity support to deliver a unique combination: “high yield + seamless conversion + high liquidity.” This precisely addresses users’ core pain point: wanting yield without exposure to market volatility or exchange slippage.
At launch, Huobi HTX rapidly established market awareness with a time-limited 20% APY; it later stabilized subsidies at 8%–12% APY and enabled 1:1 zero-slippage direct subscription from USDT to USDD—significantly lowering operational friction and capital costs for users.
This means users no longer bear complex exchange costs nor sacrifice liquidity for yield. Features such as demand-deposit terms, hourly compounding, and real-time settlement further enhance capital efficiency.
At a deeper product level, Huobi HTX aims to solve a longstanding structural problem in crypto: How can stablecoins truly function as “cash management tools” in the crypto world—delivering the same certainty and reliability users expect from money market funds in traditional finance?
Today, the USDD demand-deposit product has become one of Huobi HTX’s flagship stablecoin yield offerings. With an APY of 4%–6%, it maintains a clear competitive edge over the industry-wide average of 1%–5%.
Keeping “Risk” for Ourselves
In crypto finance, high yields often come with hidden liquidity risks. Market cruelty peaks when sharp downturns trigger panic—and precisely then, users most urgently need to withdraw funds, creating a high risk of cascading redemptions. Huobi HTX’s 15-month record of zero risk incidents is arguably the most notable achievement of this period.
This track record stems from Huobi HTX’s 13-year foundation of secure operations—and its deeply embedded risk controls on the fund management side, including dynamic liquidity management, redemption pressure testing, and yield-pool risk isolation—ensuring users can seamlessly subscribe, redeem, and collect returns regardless of market conditions.
Additionally, Huobi HTX has publicly disclosed Merkle-tree reserve proofs for 43 consecutive months—a transparent, ongoing asset disclosure mechanism designed to alleviate trust anxiety amid industry cycles. For Huobi HTX, scale may expand—but risk control and security remain non-negotiable bottom lines.
This risk-control capability faces even greater tests in hot-asset products like the $TRUMP demand-deposit offering.
As a quintessential PolitiFi asset, $TRUMP’s price action is tightly coupled with market sentiment, political events, and meme virality—exhibiting far higher volatility than traditional mainstream assets. The challenge here goes beyond yield design alone: it’s about simultaneously meeting users’ liquidity needs, enhancing holding experience, and preserving platform funding stability under extreme volatility.
Huobi HTX’s core approach is “hot assets + yield subsidies.”
While retaining the underlying demand-deposit mechanism, the platform layers on additional yield subsidies—enabling users to “earn while holding.” This delivers active participation in trending markets alongside continuous yield accrual, thereby reducing opportunity cost and short-term sell pressure inherent in passive holding.
Granting “Choice” to Diverse Users
User segmentation in crypto is more pronounced than in traditional finance: institutional clients seek bespoke solutions; retail users prioritize convenience and transparency; newcomers require intuitive onboarding.
Over the past 15 months, Huobi Earn has completed the construction of three distinct product pillars:
Simple Earn: Covers 300+ tokens, with one-click fixed- and demand-deposit functionality—meeting mass-market needs;
Structured Products: Including “shark-fin” and other strategy-based offerings—serving advanced yield-seeking users;
On-Chain Earn: An upgraded Yu Bi Bao (YuBiBao) expanding into on-chain yield opportunities.
In this evolution—from “inclusive wealth management” to “precision-tiered asset management”—the launch of the VIP Demand-Deposit product for high-net-worth individuals marks a defining milestone.
In 2026, markets face simultaneous volatility and structural opportunities—while standard demand-deposit yields continue falling. Many high-net-worth users find themselves caught between two dilemmas: low yields on idle large sums, or sacrificing liquidity for higher returns.
Recognizing this, Huobi HTX decisively launched the USDT VIP Demand-Deposit product—deeply integrated with its Prime membership system—offering up to 9% APY, far exceeding the sub-2% APY of standard demand-deposit offerings in the same period.
More importantly, the product retains full demand-deposit flexibility: instant deposits/withdrawals, hourly compounding, and auto-subscription—ensuring large capital achieves higher returns without compromising liquidity.
From inclusive demand-deposit to VIP-exclusive offerings, from standardized strategies to on-chain extensions, Huobi Earn has built a comprehensive asset management system—covering diverse risk appetites, capital sizes, and yield objectives—so every user finds a configuration truly suited to their needs.
Integrating “Earning” with “Trading”
For much of its history, the industry viewed yield products primarily as tools for “idle-capital appreciation.” Huobi HTX, however, is redefining yield as the central fund-management hub of the entire trading ecosystem.
Guided by this vision, Huobi HTX proposes a clear user journey: “Trade when there’s momentum; earn when there isn’t.” Through automated yield generation, targeted benefits, and unified trading-earn experiences, assets remain perpetually optimized.
For users, no asset sits idle. For the industry, this virtuous cycle—listing → trading → wealth management—may well represent the ultimate evolutionary direction of future exchanges.
15 Months of Groundwork: Long-Termism Embedded in the DNA
Over the past 15 months, Huobi HTX’s yield business has sustained robust growth: total subscribing users surpassed 600,000—an increase of 66.47% year-on-year; total subscription volume rose 31.39% YoY; and total user earnings grew 31.52% YoY. Multiple key metrics reached new record highs—establishing a noteworthy benchmark for long-term yield-product development in crypto.
First, the product suite continues expanding and maturing. Huobi Earn now covers 300+ tokens and has launched over 390 yield programs—forming a complete matrix spanning stablecoins, mainstream assets, trending assets, and on-chain yield scenarios. Correspondingly, its fixed- and demand-deposit products now manage billions of dollars in assets, with core stablecoin volumes achieving double-digit quarterly growth for four consecutive quarters.
Structured products are also growing rapidly: shark-fin offerings have run 292 editions, attracting nearly $1 billion in cumulative subscriptions.
Meanwhile, Huobi HTX continues strengthening integration between yield products and its broader ecosystem.
Over the past year, the platform hosted 13 “Earn Days,” drawing tens of thousands of participants and generating tens of millions of dollars in net inflows. Coupled with Launchpool airdrops and hot-asset synergies, the yield business has assumed increasingly vital roles in user retention and capital consolidation. Data shows stablecoin deposit volumes rose 64.15% from October 11, 2025, through year-end. Across eight Launchpool campaigns, nearly 300,000 users participated.
Yet beyond growth, stability matters more.
To date, Huobi Earn has maintained zero risk incidents for 15 consecutive months.
Indeed, in a market steeped in FOMO and accustomed to quick wins, when a business unit commits relentlessly to foundational risk control, patiently refines its product architecture, and genuinely listens to users’ asset-management anxieties—then long-termism—the “hard but right” path—not only proves viable, but unleashes extraordinary commercial momentum.
Final Thoughts
Each crypto cycle filters participants anew.
In the FOMO era, winners were those who told the best stories. In the long-termism era, winners will be those who understand users best, respect risk most, and exercise the greatest patience.
Huobi HTX believes crypto finance is entering a more mature developmental stage; believes users deserve long-term, thoughtful service; and believes that, compared to short-term noise, stability, transparency, and sustainability are the true capabilities capable of enduring market cycles.
Over the next 15 months, Huobi Earn will continue walking this path.
About Huobi HTX
Huobi HTX was founded in 2013. After 12 years of development, it has evolved from a cryptocurrency exchange into a comprehensive blockchain business ecosystem—spanning digital asset trading, financial derivatives, research, investment, incubation, and more.
As a globally leading Web3 gateway, Huobi HTX adheres to a strategic framework centered on global expansion, ecosystem prosperity, wealth creation, and security compliance—providing comprehensive, secure, and reliable value and services to cryptocurrency enthusiasts worldwide.
To learn more about Huobi HTX, please visit https://www.htx.com/ or HTX Square, and follow us on X, Telegram, and Discord. For further inquiries, contact glo-media@htx-inc.com.
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