The crypto market enters a new phase, with diversified financial products assisting ordinary investors

As Bitcoin prices once again reach historical highs, this asset, once regarded as a "speculative frenzy," is gradually evolving into a core financial asset for long-term investment. After years of intense volatility and market evolution, the crypto market is entering a new stage that is more mature yet also more complex.

However, not every user has the ability or time to closely track the market and accurately grasp the buying and selling opportunities. For ordinary investors who lack professional knowledge and find it difficult to operate frequently, "lazy finance" has become a more realistic choice. The diversified financial products launched by multiple exchanges are tailored for various types of users: whether it's a low-risk return model, on-chain earning, dual-currency investment, or structured tools like regular investment finance, they all provide a way to participate in the growth dividends of the crypto market without cumbersome operations.

Balance between current and fixed term, redemption credited immediately

In traditional financial markets, bank demand deposits are often seen as a "transit station" for funds - low-risk, flexible, and safe. In the crypto space, certain exchanges have launched products similar to "Yubi Treasure" that attempt to replicate this role and enhance their yield.

These products use the assets deposited by users for lending services within the platform, providing liquidity support for the platform. The system will automatically lend the assets to other users, and the interest generated will be returned to users as the annualized yield of the current products.

This type of product offers a low-risk investment avenue with stable principal preservation. It supports both demand and fixed-term deposits (such as 7, 14, 30 days), multiple currencies, a simple subscription process, and flexible interest calculation periods, making it a suitable financial product for the general public to participate in. Its features also include immediate redemption support for demand/fixed-term investments, allowing users to enable automatic coin earning for demand deposits and automatic reinvestment of principal and interest for fixed-term deposits, further simplifying operations.

According to the official website of a certain exchange, this type of product currently supports nearly a thousand kinds of encryption currencies, with current managed funds exceeding 2.3 billion USD. The comprehensive annualized yield for USDT spot products can reach up to 12.5%, while the annualized return for fixed-term wealth management can exceed 500%.

Recently, some platforms have launched products with the features of immediate redemption and automatic reinvestment, further enhancing the user experience. For example, when users redeem fixed-term assets, they can achieve real-time fund arrival.

In addition, some platforms have launched VIP exclusive fixed-term wealth management, with a maximum annualized yield of 4.5% for USDT over 30 days, and the subscription amount exceeded 60 million USDT after its launch.

On-chain earning empowers users to mine on-chain

On-chain yields refer to the process of earning income from cryptocurrency assets by directly interacting with blockchain protocols. These yields are realized through mechanisms such as staking, lending, and providing liquidity. Compared to traditional or centralized finance, on-chain yields offer an opportunity for direct access to the underlying economic activities of blockchain networks.

Although there are opportunities for on-chain earnings, new users face certain thresholds and security risks when directly participating on-chain. Users not only face operational risks, such as encountering phishing attacks, but also need to be wary of the security vulnerabilities of the protocol itself. For example, recently, several incidents of DeFi protocols being hacked have occurred.

The "On-Chain Earning" module launched by certain exchanges focuses on PoS staking, DeFi protocol lending, and liquidity mining, providing users with a one-stop on-chain financial service. Its infrastructure is directly integrated with protocols such as Aave V3 and Compound V3, and connects to major PoS networks like Ethereum, Polkadot, and Cosmos. These platforms do not require users to manually set up validators or delegate tokens, instead automating these processes while providing users with real-time information regarding APY, redemption schedules, and available additional rewards.

These products gather various popular PoS projects currently available, selecting high-quality projects and providing a diversified range of Staking products. Many industry-recognized high-quality PoS projects, such as ETH, DOT, ATOM, etc., are represented.

Dual Currency Investment Aids in Achieving Optimal Strategies

In structured financial products, the most common is "Dual Investment". The dual investment launched by certain exchanges is essentially a fixed income, non-principal protected wealth management product. The core strategy of dual investment: buy low and sell high. The following four scenarios of dual investment can reflect the basic gameplay of this product:

Scenario 1: Sell High, Cash Out Crypto Market Gains

The investment period for investors to invest in BTC is 3 days, with a target price of $100,000 for the high sell product. If the expiration date is:

• BTC settlement price > $100,000: Successfully sold high, sold BTC at the target price, and earned USDT interest income during this period.
• BTC settlement price ≤ $100,000: Successfully earned coins, received BTC principal and BTC interest income during this period.

Scenario 2: Buy on the dip, strategically acquire desired assets at low prices

The investor chooses a term of 5 days with a target price of $90,000 BTC. If the settlement price on that day is:

• BTC settlement price > $90,000: Successful coin earning, returning USDT principal along with the USDT interest earned during this period.
• BTC settlement price ≤ $90,000: Successful low buying, buy BTC at target price, and earn BTC interest yield during this period.

Scenario 3: Accumulate cryptocurrencies for compound interest growth

Assuming the user selects USDT as the investment principal, the system will perform a low-buy operation each time the market price is below the target price. When the low-buy fails, the user can still earn a certain amount of interest income, and this interest will be automatically reinvested, forming a sustainable low-buy strategy. This method allows the user's assets to continuously appreciate while avoiding the impact of market fluctuations on returns, thereby achieving long-term stable wealth growth.

Scenario 4: Combination Strategies to Tackle Market Volatility

Users can also adjust their investment portfolio flexibly based on market conditions. When the market is relatively stable, it is advisable to increase the proportion of Bitcoin to enhance the potential for asset appreciation; while during periods of high market volatility, allocate more funds to USDT to ensure the stability of the investment.

The highlight of the dual-currency investment mechanism lies in the fact that it is a financial product derived from simple options, utilizing the options mechanism to achieve flexible and diverse investment strategies. Through the "buy low" and "sell high" mechanisms, dual-currency investment allows investors to capture profit opportunities amid market fluctuations, enabling flexible asset utilization. Regardless of market direction, investors can obtain relatively high interest income through dual-currency investment, enhancing the overall capital return capability. Currently, dual-currency investment supports 60 types of crypto currencies.

Dollar-Cost Averaging: No Timing Required, Diversifying Costs Reduces Psychological Pressure

The most difficult part of investing is not selecting products, but timing. For users who cannot monitor the market for a long time and are unwilling to trade frequently, "regular investment" has always been one of the classic strategies in traditional finance. Some exchanges have launched regular investment financial products based on this concept.

The highlights of its products are: first, the regular investment strategy continuously buys assets at fixed amounts at fixed times, avoiding the impact of market fluctuations on a single investment and effectively averaging investment costs. Second, it can reduce timing pressure. There is no need to accurately predict market ups and downs; regular investment automatically helps users diversify their buying time points, making investment more relaxed. In addition, it has long-term income potential: according to backtesting data from 2021 to 2024, in most market phases, the returns of the regular investment strategy outperform those of the lump-sum investment strategy.

Dollar-cost averaging investment is suitable for a wide range of users, whether they are beginners or those who do not have time to monitor the market, making it suitable for all users.

Rich activities provide extra rewards

While providing one-stop financial products for "lazy users", some exchanges also further activate widespread user participation through a series of rich activities. For example, a certain platform held a financial interest rate increase activity, where participating in Yubi Treasure and on-chain earning financial products can enjoy an increase in financial earnings, up to a maximum of 200%.

Another event is launched for VIP users called "Financial Summer Carnival", which unlocks corresponding rewards based on the average new position amount of users within 30 days (the total amount of quantitative funds and YuBiBao deposits), with the highest reward being high-end gifts.

Some platforms have also launched additional reward pools, such as a 10% annualized bonus for purchasing USDT 7-day fixed-term financial products, with a maximum comprehensive annualized return of up to 12%. In addition, some platforms have introduced activities related to the issuance of popular tokens, where users who have participated in specific token public offerings or Launchpads can enjoy extra interest when subscribing to USDT financial products.

Currently, the annualized returns for on-chain BTC mining and ETH mining on some platforms remain around 3%, which offers considerable competitiveness compared to similar products in the crypto market. The limited-time additional rewards for USDT mining can bring the total annualized returns up to 15%.

Overall, these financial products, although initially designed to provide convenient services for "lazy users", are fundamentally based on the logic of platformization and standardization of digital asset management tools. Whether it is a combination of flexible/regular deposits, on-chain asset yield custody known as "on-chain earning coins", or structured derivatives like dual-currency investments and regular investment management, all are attempts to fill the "gray area" between crypto finance and traditional wealth management.