New Trends in Encryption Wealth Management: Simplified Operations, Diverse Choices, Increased Returns

Bitcoin has reached a new historical high, breaking the $120,000 barrier, and encryption assets are gradually becoming core financial assets for long-term investment. After years of market fluctuations, the encryption market is entering a new stage that is more mature but also more complex.

For ordinary investors who lack professional knowledge or do not have time for frequent operations, "lazy-style wealth management" has become a more realistic choice. The diversified wealth management products launched by a certain exchange are tailored for various users, whether it is the low-risk Yubi Bao, on-chain coin earning, dual currency investment, or structured tools such as regular investment wealth management, all provide users with a simple way to participate in the growth dividends of the encryption market.

Yubi Treasure: Flexible and Convenient Encryption Deposit

The Yu Bi Bao product aims to replicate the role of traditional bank demand deposits in the encryption field and enhance its yield. It uses the assets deposited by users for lending operations within the platform, providing liquidity support to the platform. The system automatically lends the assets to other users, and the interest generated is returned to users as annualized income.

Yu Bi Bao offers a low-risk, stable return principal preservation investment approach. It supports flexible and various term fixed (7, 14, 30 days ), multiple currencies, with a simple subscription process and flexible interest calculation cycles. Its features also include immediate account crediting for both flexible/regular redemptions, the ability to enable automatic coin earning for flexible investments, and automatic reinvestment of both principal and interest for fixed investments, further simplifying operations.

Currently, Yu Bi Bao supports nearly a thousand types of encryption currencies, managing funds exceeding 2.3 billion USD. The annualized yield for USDT flexible products can reach up to 12.5%, while fixed-term financial management can exceed 500%. Recently, it also introduced fixed-term instant redemption and automatic reinvestment features to further optimize user experience.

Earning Coins on the Chain: Simplifying On-Chain Yield Acquisition

On-chain yield refers to the process of earning income through direct interaction with blockchain protocols, including mechanisms such as staking, lending, and providing liquidity. Although there are on-chain yield opportunities, new users face certain barriers and security risks when participating directly.

The "On-chain Earning" module of a certain exchange is centered around PoS staking, DeFi protocol lending, and liquidity mining, providing users with a one-stop on-chain wealth management service. Its infrastructure is directly integrated with mainstream DeFi protocols and PoS networks, automating related processes while providing users with real-time APY, redemption schedules, and additional rewards information.

On-chain earning coins gathers various popular PoS projects, filters out high-quality projects, and offers a diverse range of Staking products, including ETH, DOT, ATOM, and other industry-recognized high-quality PoS projects.

Dual Currency Investment: Flexible Strategies to Respond to the Market

Dual currency investment is a fixed income, non-principal protected financial product, with the core strategy of buying low and selling high. This product can be applied to various investment scenarios:

1. Sell high, cash out encryption profits
2. Buy on dips, position your desired assets at low prices
3. Accumulate cryptocurrencies to achieve compound interest growth.
4. Combine strategies to cope with market fluctuations

Dual currency investment is based on simple option derivatives, utilizing the option mechanism to achieve flexible and diverse investment strategies. Through the "buy low" and "sell high" mechanisms, investors can capture profit opportunities amidst market fluctuations, enabling flexible asset utilization. Regardless of market direction, investors can earn higher interest income, enhancing overall capital return capabilities. Currently, it supports 60 types of encryption currencies.

Regular Investment: Diversifying Costs to Reduce Psychological Pressure

For users who cannot monitor the market for long periods or do not wish to trade frequently, "dollar-cost averaging" is one of the classic strategies. A trading platform has launched a dollar-cost averaging financial product based on this concept, which has the following advantages:

1. The regular investment strategy involves continuously buying at fixed intervals and fixed amounts, avoiding the impact of market fluctuations on a single investment, and effectively averaging the investment cost.

2. Reduce timing pressure, no need to accurately predict market rises and falls, automatically diversify buying time points.

3. Long-term income potential is significant: According to backtest data from 2021 to 2024, in most market phases, the dollar-cost averaging strategy outperforms a one-time purchase.

Dollar-cost averaging is suitable for a wide range of applications, whether for beginners or those who do not have time to monitor the market.

Rich activities provide extra rewards

A certain exchange further activates user participation through a series of activities. During the recent financial management interest rate increase event, participants in Yu'ebao and on-chain earning financial management can enjoy an interest rate boost, with a maximum increase of 200%. The VIP user exclusive event provides rewards based on the amount of new holdings, with the highest reward being Moutai.

The exchange has also launched activities related to popular token sales. Users who have participated in specific token public sales or Launchpad can enjoy up to a 50% additional annual interest rate on USDT financial products.

Currently, the platform's on-chain earning for BTC mining and ETH mining maintains an annualized rate of around 3%, which is competitive in the market. The USDT mining has a limited-time additional reward, with a comprehensive annualized rate reaching up to 15%.

Overall, although these financial products started by providing convenient services for "lazy users", they reflect the trend of platformization and standardization of digital asset management tools. Whether it is the Yubibao for flexible/regular combinations, or the "Chain On Earn Coin" for on-chain asset yield custody, as well as the structurally derivative dual currency investment and regular investment wealth management, all are attempting to fill the gap between encryption finance and traditional wealth management.