💡In simple terms, the concept is: You first decide the price you're willing to trade at in the future. When the time comes, the system determines whether to convert your assets, and regardless of the outcome, interest will still be paid. Therefore, Dual Currency Investment is not merely 'holding coins,' but a strategic product that combines price judgment + passive income.

Why is it called 'Dual Currency'?

'Dual Currency' refers to two types of assets involved:

1. Input Currency: Such as stablecoins like USDT
2. Linked Currency: For example, cryptocurrencies like BTC, ETH

For example:

1. You can use USDT to participate in 'Buy Low BTC'
2. Or use BTC to participate in 'Sell High BTC'



Bitcoin

BTC

70,518.16

+0.21%



At maturity, you will only receive one of the two currencies; you won't hold both simultaneously.

Three Key Elements of Dual Currency Investment

Before placing an order, you only need to understand these three things:

1. Input Currency: The currency you are currently holding
2. Target Price: The price you are willing to execute a trade at in the future
3. Maturity Settlement Outcome: Whether you receive back your original currency or it's converted into another currency

The outcome of the entire product revolves around these three conditions.

What are the Advantages of Dual Currency Investment?

1. Higher Returns than General Financial Products: Compared to traditional demand deposit or fixed-term financial products, Dual Currency Investment typically offers higher annualized returns, making it suitable for users looking to improve capital efficiency and generate passive income.
2. Flexible Buy Low, Sell High Strategy: Dual Currency Investment is an ideal tool for implementing 'buy low to catch the bottom' or 'sell high to take profit' strategies. If you already have a target price range in mind, Dual Currency Investment can 'hardcode' your strategy, allowing the system to execute it automatically without you having to monitor charts daily.
3. Diverse Options: Users can flexibly choose asset types, investment durations, and target prices according to their risk appetite and investment goals, creating personalized investment strategies.

When is Dual Currency Investment Suitable?

📌 Dual Currency Investment is more suitable for those who 'have a view on market trends,' rather than passive HODLers.

Three common usage scenarios:

1. Bottom Fishing Strategy: If you anticipate a cryptocurrency's price will fall, you can choose a 'buy low product.' If the price reaches the target as expected, the system will automatically buy at a low price, while also earning interest; even if the target price is not reached, the invested principal will still earn returns.
2. Take-Profit Strategy: If you hold a cryptocurrency and expect its price to rise, you can choose a 'sell high product.' If the price reaches the target, the system will automatically sell to lock in profits, and you will also receive additional interest earnings.
3. Asset Accumulation: Whether the goal is to increase stablecoin (e.g., USDT) or cryptocurrency (e.g., BTC, ETH) holdings, Dual Currency Investment can meet the demand. For example, by subscribing to a 'buy low BTC' product with USDT, if the target price is triggered, you can acquire BTC at a low cost; if not triggered, you can still increase your USDT assets through interest.

How to Actually Operate Dual Currency Investment?

1. Open the LBank app, find "Earn" on the homepage

2. Select "Dual Currency Investment"

3. Select the product, direction, and settlement duration

4. After making your selections, enter the investment amount, click to agree, and then click the "Subscribe" button to complete!

Scenario 1: Price 'does not reach' target price

➡ You receive back USDT + interest

Scenario 2: Price 'reaches or exceeds' target price

➡ Your USDT will be converted to BTC (calculated based on the target price) ➡ Interest will be paid together

Why is the interest rate higher for Dual Currency Investment?

Because you are essentially taking on the risk of 'currency conversion'.

Essentially:

Dual Currency Investment ≈ Fixed Deposit Interest + Selling an Option (you give up some price flexibility)

It can also be understood as:

You trade 'accepting the possibility of future currency conversion' for a higher interest rate.

Therefore, you will usually see:

Higher interest rate -> means a more aggressive target price, and a higher probability of currency conversion

Risks You Must Be Aware of Before Investing

While Dual Currency Investment may seem to offer good returns, it is not a principal-protected product. The following risks must be clearly understood beforehand:

1. Asset Value Volatility Risk: At maturity settlement, the asset's value may differ from the initial principal due to market fluctuations. If the price does not meet expectations, it may be settled at a suboptimal price, affecting returns (e.g., hoping to buy BTC at 91,500, but at maturity, it has dropped to 90,000).
2. Opportunity Cost Risk: During the investment period, funds will be locked and cannot be used for other investments. Furthermore, in 'sell high' products, if the market price far exceeds the target price, assets will still be sold at the preset price, potentially missing out on higher profits.
3. Forced Asset Conversion Risk: If the price on the maturity date meets the target price condition, assets will be automatically converted and cannot be reversed. If market trends do not align with expectations, this could lead to inconvenience or potential losses.