Product Overview

1. What is Dual Investment?

Dual Investment is a structured investment product based on two cryptocurrencies (for example, BTC and USDT). Users can subscribe using one of the two tokens, and upon maturity, the settlement currency (BTC or USDT) will be automatically determined based on the relationship between the settlement price and the target price. The APR is fixed at the time of subscription and will not change with market fluctuations. However, the settlement currency will depend on whether the market price is above or below the target price when the product matures. This is a non-principal-protected product with floating returns, designed for users who want to earn in both bullish and bearish markets:

• When the market rises, choose a Sell High product to sell at a higher price and earn interest;
• When the market falls, choose a Buy Low product to buy at a lower price and earn interest.

This way, you can profit regardless of market direction. Please make sure to fully understand the product rules and associated risks before subscribing

2. When to Use Dual Investment?

Dual Investment is ideal for investors looking to optimize their returns in volatile markets. Typical use cases include:

• Lock in profits: Sell holdings at your target price during market rallies to secure gains and earn interest.
• Accumulate crypto: Buy at your target price during market dips to enter at a lower cost while earning interest.
• Boost holdings: Reinvest your crypto holdings to compound returns and increase overall yield.
• Enhance stablecoin returns: Put idle stablecoins to work for steady, low-risk earnings.

3. Example of Return Calculation

4. Product Features and Risks

Advantages

• Potentially higher yield (APR often exceeds standard Earn products)
• Earn in both bullish and bearish markets
• Lock in target prices while growing your assets

Risks

• Redemption is not available before maturity (limited liquidity)
• Settlement currency and return depend on market price movements

5. Key Terms Explained

• APR (Annual Percentage Rate): Annualized rate of return on your investment. The actual rate is shown on the subscription page.
• Formula: APR = (ROI / Investment Days) × 365 × 100%
• Maturity Date: The date when the product ends and the return is settled. Settlement takes place at 8:00 (UTC) on the maturity date. Principal and interest are automatically credited to your spot account.
• Investment Currency: The currency you use to subscribe (e.g., BTC or USDT).
• Settlement Currency: The currency in which your funds are returned at maturity, automatically determined by the settlement price and target price.
• Target Price: The reference price used to determine the settlement currency. If the settlement price is below the target price, settlement is in the investment currency; if above, it's settled in the alternate currency.
• Settlement Price: The spot price of the asset on Gate at 8:00 (UTC) on the maturity date.

6. Risk Warning

• Dual Investment is a non-principal-protected product with floating returns.
• Returns are affected by market price movements, your chosen target price, and the settlement currency at maturity.
• Please read the product details carefully and fully understand the risks before subscribing.
• Gate reserves the final interpretation right for all Dual Investment products.