What is Fixed Savings?
CoinEx Fixed Savings is a relatively low-risk, fixed-term digital asset investment product with comparatively stable expected returns. By subscribing to fixed-term savings products with varying lock-up periods, you can align your investments with your financial plans and potentially earn higher expected returns.
Target Audience
- Investors who prefer relatively low-risk and stable expected returns and seek to mitigate the impact of short-term market volatility.
- Traders with clear financial plans who are willing to accept a medium-to-long-term lock-up of idle funds.
- Users seeking higher expected returns than Flexible Savings while valuing controllable risk.
Fixed Savings Rules
1. Subscription rules
(1) Eligibility: All registered CoinEx users can subscribe to Fixed Savings products without additional requirements.
(2) Minimum subscription amount: The minimum subscription amount varies by product, which is updated in real-time on the subscription page.
(3) Subscription frequency: There is no limit on the number of subscriptions per product. Each successful subscription generates a separate saving record.
2. Earnings calculation
(1) Calculation: Expected Earnings = Subscription Amount × APY ÷ 365 × Lock-up Period (Days)
For example, if you subscribe to a Fixed Savings product with 10,000 USDT for a lock-up period of 10 days at an APY (Annual Percentage Yield) of 10%, your estimated earnings will be 27.4 USDT.
(2) Separate calculation: For multiple subscriptions to a certain product, each subscription is treated as a separate saving, and the expected earnings are calculated separately based on the deposit time, subscription amount, and lock-up period.
Note: All earnings shown above are for reference only. The actual returns are subject to final settlement.
3. Earnings distribution
(1) Settlement period: Earnings are settled in a lump sum upon the maturity of each saving.
(2) Receiving account: Spot Account.
4. Redemption rules
(1) Automatic redemption: The system will automatically calculate the redemption time based on the subscription time and lock-up period. Upon maturity, the product will be automatically redeemed, and both the principal and interest will be settled and credited to your Spot Account.
(2) Early redemption: You may choose to redeem Fixed Savings products early. However, early redemption will not yield earnings, and only the principal will be returned instantly to your Spot Account.
Note: All redemption operations are subject to the platform’s final settlement.
Risk Disclosure: Digital asset financial products are subject to market and regulatory risks. Investments may result in losses, and expected returns are not guaranteed. Users shall carefully assess their own risk tolerance before making any investment decisions. The platform makes no representation, warranty, or undertaking regarding the preservation of principal or the realization of returns.
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