Dual Currency Investment Product Overview

1. What is Dual Currency Investment?

Dual Currency Investment is a structured financial product based on two cryptocurrencies (such as BTC and USDT). Users can subscribe to the product using either currency, and upon maturity, the system will automatically determine the settlement currency based on a comparison between the reference settlement price and the target price.

The annual percentage rate (APR) for Dual Currency Investment is locked in at the time of subscription and is not affected by subsequent market fluctuations. However, the final settlement currency (BTC or USDT) will vary depending on how the market price compares to the target price.

This product is a non-principal-protected, floating-yield investment, ideal for users who want to earn returns regardless of market direction:

• When the market rises, you can choose the "Sell High" product to sell at a high price and earn interest.
• When the market falls, you can choose the "Buy Low" product to buy at a low price and earn interest.

This allows you to "profit in both rising and falling markets."

Please make sure to fully understand the product rules and risks before subscribing, and allocate your assets wisely.

2. Suitable Use Cases

Dual Currency Investment is especially suitable for investors looking to optimize their yield structure in volatile markets. Typical use cases include:

• Locking in profits during uptrends: Sell held assets at the target price when prices rise, securing profits and earning interest.
• Accumulating coins during downtrends: Buy cryptocurrency at the target price when prices fall, entering the market at a lower cost and earning interest.
• Enhancing portfolio value: Reinvest existing holdings to boost overall returns.
• Stablecoin yield enhancement: Allocate idle stablecoins for fixed income with low risk.

3. Yield Calculation Example

4. Quick Redemption Function

Introduction to Redemption Amount Calculation (using BTC as an example)

Buy Low BTC

• When the settlement price ≤ target price, redemption is settled in BTC. BTC settlement amount = subscription amount / settlement price

• When the settlement price > target price, redemption is settled in USDT. USDT settlement amount = subscription amount × settlement price / latest currency price

Sell High BTC

• When the settlement price ≥ target price, redemption is settled in USDT. USDT settlement amount = subscription amount × settlement price

• When the settlement price < target price, redemption is settled in BTC. BTC settlement amount = subscription amount × settlement price / latest currency price

5. Product Features and Risks

Key Advantages

• Potential for high returns (APR higher than conventional financial products)
• Profit in both rising and falling markets, flexible response to market changes
• Asset appreciation and target price locking

Main Risks

• Subject to options market volatility; early redemption may result in losses and cannot be undone
• Returns and settlement currency depend on market price movements

6. Key Terminology

• Annual Percentage Rate (APR): The annualized rate of return on investment. Actual returns are based on the rate displayed at the time of successful subscription.
• Calculation formula: Annual Percentage Rate = Rate of Return ÷ Holding Days × 365 × 100%
• Maturity Date: The date when the investment product ends and returns are settled. The system will settle at 16:00 (UTC+8) on the maturity date, and both principal and returns will be automatically credited to your spot account.
• Investment Currency: The currency used by the user to purchase the product (e.g., BTC or USDT).
• Settlement Currency: The currency actually returned upon maturity, automatically determined based on the relationship between the settlement price and target price.
• Target Price: The key reference price used to determine the settlement currency. If the settlement price is lower than the target price, settlement is in the investment currency; if higher, settlement is in the other currency.
• Settlement Price: The average price on Gate's spot market within 30 minutes before and after 16:00 (UTC+8) on the maturity date, used as the settlement price.

7. Risk Warning

• Dual Currency Investment is a non-principal-protected, floating-yield product.
• Returns are affected by market price, target price selection, and settlement currency at maturity.
• Please read the product description carefully before subscribing, fully understand the risks, and allocate your funds appropriately.
• Gate reserves the final interpretation rights for Dual Currency Investment products.

Disclaimer

The content provided herein is for reference and educational purposes only and does not constitute any financial, investment, trading, or legal advice, nor does it constitute an offer or solicitation to buy or sell any digital assets. Gate makes no express or implied representations or warranties regarding the accuracy, completeness, or timeliness of the information contained herein. Product features, interfaces, rules, and fee structures may be updated or adjusted at any time. Please refer to the latest announcements and the actual information displayed on the Gate platform for the most accurate details.
Digital asset investments involve significant risk, and prices may fluctuate substantially. You may lose the entire amount of your investment. Please make decisions cautiously based on your own financial situation and risk tolerance after fully understanding the associated risks. If necessary, you are advised to consult an independent professional financial or legal advisor.
For more information about potential risks, please refer to Gate's Risk Disclosure and User Agreement.