LBank Dual Investment is a non-principal-protected structured product that allows users to earn attractive yields during the locked period while setting a target price for future asset settlement. Users can execute “Buy Low” or “Sell High” strategies based on market expectations, potentially acquiring more cryptocurrency at a favorable price or settling in stablecoins upon maturity.

This product is suitable for various market conditions (bull, bear, or sideways), offering potential annualized percentage yields (APY) higher than traditional flexible or fixed-term savings products. Supported assets include BTC, ETH, and USDT, with a minimum subscription amount of 20 USDT (subject to adjustments; please refer to the current system page for details).

Key Concepts

  1. Target Price: The user-defined buy or sell price.

  2. Settlement Date: The product’s maturity date, when the system determines conversion based on the reference price.

  3. Annualized Percentage Yield (APY): The estimated potential annualized return based on product parameters.

  4. Settlement Mechanism:

    • If the reference price reaches or crosses the target price: Conversion is executed (principal + yields converted to the other asset at the target price).

    • If not reached: Original deposited asset + yields are returned.

Yield Calculation Example

Set conditions as below:

Subscription Amount

10,000 USDT

Current BTC Price

$86,546

Product Type

Buy Low

Target Price

$85,500

Duration

3 days

Estimated APY

120%

Yield Calculation

Yields are calculated using simple annualization:

Yield = 10,000 × 120% ÷ 365 × 3 ≈ 98.63 USDT

Scenario 1: Target Price Not Reached

(Settlement BTC > $85,500)

No conversion; return USDT principal + yields:

10,000 + 98.63 = 10,098.63 USDT

Scenario 2: Target Price Reached

(Settlement BTC ≤ $85,500, e.g., $85,000)

Conversion executed; (principal + yields) converted to BTC at target price:

10,098.63 ÷ 85,500 ≈ 0.1181 BTC

Investment Strategies & Recommendations

Sell High (Deposit BTC/ETH)

  1. Set target price higher than current market price.

  2. If settlement market price ≥ target price: Sell at target price, receive more USDT + yields.

  3. If not reached: Retain original cryptocurrency + yields.
Suitable for users holding crypto who aim to sell at a higher price while earning yields.

Buy Low (Deposit USDT)

  1. Set target price lower than current market price.

  2. If settlement market price ≤ target price: Buy at target price, receive more BTC/ETH + yields.

  3. If not reached: Retain USDT + yields.
Suitable for users looking to accumulate cryptocurrency at lower levels.

Long-Term Holding of Cryptocurrency While Earning Yields

For users bullish on BTC or ETH long-term, select a Sell High target price far above current levels (low trigger probability). This likely avoids conversion, retaining the original asset while earning yields.

Increasing Stablecoin Balance

Similarly, use Buy Low with a target price far below current levels (low trigger probability), retaining USDT while earning yields. Ideal for users prioritizing capital preservation and liquidity.

Risk Diversification: Multi-Level Price Configuration

  1. Allocate funds across different target prices and settlement dates.

  2. Similar to dollar-cost averaging (DCA), even if only partial orders trigger, overall returns remain attractive.

  3. Subscribe to both Buy Low and Sell High simultaneously for hedging or grid strategies.

How-to Steps

For detailed instructions, please refer to the following:

  1. 「LBank Earn: How to Participate in Dual Investment (App)」

  2. 「LBank Earn: How to Participate in Dual Investment (Web)」

  3. Rules:

    • Settlement: Automatically settled at maturity; principal + yields transferred to LBank Spot Wallet.

    • Fees: No subscription fees; only standard network fees may apply at settlement.

Important Note

  1. LBank KYC verification is required.

  2. Funds are locked during the period and cannot be redeemed early.

  3. Target price settings should be based on market analysis; avoid overly aggressive targets to reduce trigger probability.

  4. Beginners are advised to start with small amounts to familiarize themselves with the mechanism.

Reminder

LBank Dual Investment is a non-principal-protected product. Cryptocurrency price volatility may lead to opportunity costs, forced conversions, or changes in asset value. Past performance does not indicate future results. Please fully understand the product mechanism, carefully read the terms, and invest only amounts you can afford to risk. LBank assumes no responsibility for any investment losses.

Through LBank Dual Investment, users are able to flexibly seize market opportunities.