Dear LBank Users,

To expand users’ Earn options and provide more diversified opportunities to generate returns from digital assets, LBank is pleased to introduce Multi-Asset Earn, a new fixed-term Earn product.

Users may subscribe using a designated subscription asset (“Asset A”) and receive interest paid in a designated interest asset (“Asset B”) upon completion of the lock-up period. The subscribed principal will remain denominated in Asset A and will be returned in full in the original subscription asset upon maturity.

Launch Time

Now Live — Subscribe Today: Go visit LBank Earn page to view available subscription products.

Product Highlights

  1. Deposit A, Earn Interest in B: Users can earn interest paid in popular digital assets, such as BTC, by subscribing with designated assets such as USDT, without directly purchasing the interest asset. This provides a convenient way to access return opportunities across different digital assets.

  2. Multiple Lock-Up Terms Available: Products are available with different lock-up terms and annualized interest rates. Please refer to the product page for the applicable lock-up term, annualized interest rate, minimum subscription amount, and other product details.

  3. Transparent Interest Conversion: The interest amount will be converted into the designated interest asset based on the market price of the “Subscription Asset / Interest Asset” pair at the time of subscription.

  4. Principal Returned in the Original Subscription Asset: The subscribed principal will remain denominated and held in the subscription asset (“Asset A”). Upon maturity, the principal will be returned in full in Asset A, while interest will be distributed separately in the designated interest asset (“Asset B”).

  5. Interest Distribution Arrangements: LBank will allocate the required interest assets in accordance with the product rules to support the timely distribution of interest. In exceptional circumstances, LBank may make supplementary distributions or equivalent conversion arrangements, as applicable, to protect users’ interests.

How to Participate

  1. Log in to the LBank App or visit the official website, then navigate to「Earn」.

  2. Select a subscription asset and locate the Multi-Asset Earn product.

  3. Select a fixed-term Earn product marked with the「Interest Asset」indicator, then review the interest asset, lock-up term, annualized interest rate, and product rules.

  4. Enter the subscription amount and confirm your subscription.

  5. Upon maturity, the subscribed principal (Asset A) will be automatically returned, while interest (Asset B) will be distributed in accordance with the product settlement schedule. Users can view relevant details under「Order Management」.

Important Note

  1. Digital asset Earn products involve market risks. Final interest amounts and settlement results are subject to the actual settlement at maturity.

  2. The amount of interest paid in Asset B will be converted based on the market price of the Asset A/Asset B pair at the time of subscription. Due to market fluctuations, the market value of Asset B at the time of distribution may differ from its value at the time of subscription.

  3. The subscribed principal will be returned in the original subscription asset upon maturity. Users should be aware of market fluctuations, platform operational risks, and other relevant risks during the lock-up period.

  4. Please carefully review the product rules, lock-up term, and associated risks before participating.

  5. LBank reserves the right to adjust product rules based on market conditions, product operations, and risk management requirements. Any changes will be announced in advance through official announcements or the product page.

Thank you for your continued support and trust.

LBank Team

September 29, 2026