How to Use Dual Investment

What is a Structured Product?

Structured products are innovative financial instruments that generate returns from the derivatives market. You can choose products based on current market trends and your personal risk tolerance to meet your specific investment needs.

Within the structured products category, there are three main offerings:

• Dual Investment: Earn USDT regardless of market conditions while your principal remains protected.
• Shark Fin: Buy and sell cryptocurrency at your target price while earning high yields.
• Dual Investment Lite: A simplified way to boost your yields with more flexible target prices and lower risk.

This guide will focus specifically on how to use the Dual Investment product.

How to Subscribe to Dual Investment

You can subscribe to Dual Investment products either through the mobile application or on the web platform.

On the Mobile App

1. Open the OKX app, navigate to the Earn section, and select Structured Products.
2. Locate and tap on the Dual Investment section.
3. Choose your preferred cryptocurrency and select between the two available options (typically a high-yield and a medium-yield scenario).
4. Select your preferred option based on the available Term and Target Price.
5. Enter the amount you wish to invest in the Subscription Amount field and tap Confirm.
6. Review the order summary, check the box to agree to the Dual Investment user agreement, and tap Confirm to finalize your subscription.

On the Web Platform

1. Log in to your account on the official website and navigate to the Earn > Structured Products section.
2. Choose your preferred cryptocurrency and select either the Sell or Buy option.
3. Find your preferred option based on the listed Term and Target Price, then click Subscribe.
4. Enter the amount you wish to invest in the Subscription Amount field and click Continue.
5. Review the order summary, check the box to agree to the Dual Investment user agreement, and click Continue to complete your subscription.

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How Dual Investment Works

Dual Investment allows you to earn a fixed, high APR in USDT, no matter which direction the market moves. Your principal is protected if the market price does not hit your predefined target price by the settlement date.

Upon subscription, you set a target price and a term for your chosen cryptocurrency. Your yield is predetermined and fixed. At maturity, the settlement will occur in one of two ways:

• If the market price does NOT reach the target price: Your initial investment is returned in the original cryptocurrency, and you earn the promised USDT yield.
• If the market price DOES reach the target price: Your initial investment is converted to USDT at the target price, and you still earn the promised USDT yield.

This structure provides a clear and predictable outcome, making it a popular choice for investors seeking defined risk and return profiles.

Frequently Asked Questions

1. Do I need to hold USDT/USDC to subscribe to an ETH/BTC pair?

No, you do not. When subscribing to a cross-currency pair like ETH/BTC, you only need to hold the base cryptocurrency you are investing (e.g., ETH). The settlement will be calculated based on the pair's dynamics, but no separate stablecoin holding is required for the subscription itself.

2. Can I redeem my investment before the maturity date?

Early redemption is possible for BTC/USDT and ETH/USDT products, provided the remaining term is longer than 2 days. Currently, early redemption is not supported for any other cryptocurrency pairs.

3. When can I redeem my order?

An order can be redeemed within a 24-hour window after interest begins to accrue, and no later than 24 hours before the maturity time.

For example, an order with these details:

• Interest Accrual Time: 15:00 on 2024-03-01 (UTC+7)
• Maturity Time: 15:00 on 2024-03-11 (UTC+7)

You could then redeem the order at any time between:

• Start Time: 15:00 on 2024-03-02 (UTC+7)
• End Time: 15:00 on 2024-03-10 (UTC+7)

4. When will my profit be credited to my Funding Account?

If your redemption is successful, the cryptocurrency will be credited to your Funding Account by 15:30 (UTC+7) on the following day.

5. Can early redemption lead to a loss?

Yes, early redemption can result in a loss. If you choose to redeem early, you will be shown the exact quantity of cryptocurrency you will receive before confirming. The amount returned may be less than your initial subscription amount due to early redemption fees and market conditions. You will also only receive the cryptocurrency you originally invested in (e.g., if you invested BTC, you will get BTC back, not USDT).

6. How do I receive my reward?

Typically, your earnings are automatically credited to your funding account by 15:30 (UTC+7) on the maturity date. In certain circumstances, the settlement process may be delayed by up to 24 hours.

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Key Benefits of Dual Investment

• Principal Protection: Your initial investment is safe if the market price doesn't reach your target.
• High Earning Potential: Earn attractive, fixed yields that are often higher than traditional savings products.
• Market-Neutral Strategy: Profit whether the market goes up, down, or sideways, as long as it doesn't hit your target price.
• Flexibility: Choose from various cryptocurrencies, terms, and target prices to match your market outlook.