New Trends in Crypto Market Wealth Management: The Rise of Low-Threshold, High-Efficiency Investment Models

The price of Bitcoin has reached a new high, breaking the 120,000 USD mark. Once regarded as a speculative encryption asset, it is now gradually becoming a core financial product for long-term investment. After years of fluctuations and evolution, the crypto market is entering a new stage that is more mature yet also more complex.

However, not all investors have the ability or time to closely monitor the market and accurately grasp trading opportunities. For ordinary investors who lack professional knowledge and find it difficult to operate frequently, "lazy financial management" has become a more practical choice. The diversified financial products launched by a certain exchange are tailored for various users: from low-risk Yu Bi Bao to on-chain earning coins, dual-currency investment, regular investment financial management, and other structured tools, all of which provide users with a way to participate in the growth dividends of the crypto market without cumbersome operations.

Yubi Treasure: Flexibly Balancing Demand for Current and Fixed Deposits

In traditional financial markets, bank demand deposits are often seen as a "transit station" for funds - low risk, flexible, and secure. In the crypto field, a platform has launched a product called "Yubibao" that attempts to replicate this role and enhance its yield.

Yubi Treasure uses the assets deposited by users for lending services within the platform, providing liquidity support for the platform. The system will automatically lend the assets in Yubi Treasure to other users, and the interest generated will be returned to users as the annualized yield of the current product.

This product offers a low-risk and stable return principal preservation investment option. It supports both demand and multi-term fixed deposits (currently with options of 7, 14, and 30 days), covering various cryptocurrencies, with a simple subscription process and flexible interest calculation periods, making it suitable for general investors. Its features also include instant redemption for demand/fixed deposits, allowing users to enable automatic earning of coins on demand and automatic reinvestment of principal and interest for fixed deposits, further simplifying the operational process.

Data shows that Yu Bi Bao currently supports nearly a thousand kinds of encryption currencies, with current managed funds exceeding 2.3 billion USD. The comprehensive annualized yield of the USDT current product can reach up to 12.5%, while the annualized yield of fixed-term wealth management can reach over 500%.

Recently, the Yubi Treasure regular product has added instant redemption and automatic reinvestment features, further optimizing the user experience. Specifically, on April 15, the instant redemption feature for Yubi Treasure regular products was launched. Users can achieve real-time fund arrival when redeeming regular assets, which is a first in the industry.

In addition, the platform has launched a VIP exclusive "Yubibao Fixed Income" financial product, with a maximum annualized return of 4.5% for USDT over 30 days, and the subscription amount exceeded 60 million USDT after its launch.

Earning Coins On-Chain: Simplifying the Participation Threshold for On-Chain Earnings

On-chain yield refers to the process of earning income from cryptocurrency assets by directly interacting with blockchain protocols. These yields are realized through mechanisms such as staking, lending, and providing liquidity. Compared to traditional or centralized finance, on-chain yield offers the opportunity for direct access to the underlying economic activities of the blockchain network.

Although there are opportunities for on-chain yields, new users face certain barriers and security risks when participating directly on-chain. Users not only encounter operational risks, such as phishing attacks, but also need to be wary of security vulnerabilities in the protocols themselves, such as the recent incidents of theft in several DeFi protocols.

The "On-Chain Earning" module of a certain platform, centered around PoS staking, DeFi protocol lending, and liquidity mining, provides users with a one-stop on-chain wealth management service. Its infrastructure is directly integrated with protocols such as Aave V3 and Compound V3, and connects to major PoS networks like Ethereum, Polkadot, and Cosmos. The platform does not require users to manually set up validators or delegate tokens; instead, it automates these processes while providing real-time information to users about APY, redemption schedules, and available additional rewards.

On-chain earning coins gathers various popular PoS projects,筛选出优质项目,提供多样化的Staking产品,许多业内公认的优质PoS项目,如ETH、DOT、ATOM等都有所涉及.

Dual-Currency Investment: Flexible Strategies to Respond to Market Volatility

In structured financial products, the most common is "dual currency investment". The dual currency investment launched by a certain platform is essentially a fixed income, non-principal guaranteed wealth management product. The core strategy of dual currency investment is to buy low and sell high, and the following four scenarios demonstrate the basic gameplay of this product:

1. Sell high to cash out on encryption currency profits.
2. Buy on dips, strategically acquire desired assets at low prices.
3. Accumulate cryptocurrencies to achieve compound interest growth
4. Combination strategies to cope with market volatility

The highlight of the dual currency investment mechanism lies in its derivation from simple options, utilizing the options mechanism to achieve flexible and diverse investment strategies. Through the "buy low" and "sell high" mechanism, dual currency investment allows investors to capture profit opportunities in market fluctuations, achieving flexible use of assets. Regardless of the market direction, investors can obtain higher interest income through dual currency investment, enhancing the overall capital return capability. Currently, dual currency investment supports 60 types of encryption currencies.

Dollar-Cost Averaging: Diversifying Investments to Reduce Market Risk

The most difficult part of investing is not selecting products, but timing. For users who cannot monitor the market for a long time and are not willing to trade frequently, "regular investment" has always been one of the classic strategies in traditional finance. A certain platform's regular investment financial product is based on this concept.

The product highlights include:

1. The regular fixed investment strategy avoids the impact of market fluctuations on a single investment by continuously buying assets at fixed amounts at fixed times, effectively averaging out the investment costs.
2. Reduce timing pressure. There is no need to accurately predict the rise and fall of the market; regular investment automatically helps users diversify their buying time points, making investment more relaxed.
3. Long-term profit potential: According to backtesting data from 2021 to 2024, the performance of a dollar-cost averaging strategy outperforms that of a lump-sum investment strategy in most market phases.

Systematic investment is suitable for a wide range of user types, whether they are beginners or those who do not have time to monitor the market.

Rich activities offer additional rewards

To further incentivize user participation, the platform has launched a series of rich activities. From July 3rd to July 20th, the Financial Interest Boost Festival will be held. During the event, participants who sign up for Yubi Treasure and on-chain earning crypto financial management can enjoy a boost in financial investment returns, with a maximum increase of up to 200%.

From July 7 to July 21, we are launching the "VIP Wealth Management Summer Carnival" event. During the event, VIP users who complete registration will unlock corresponding rewards based on the average new position amount within 30 days after their registration (the total amount of quantitative funds and regular amounts in Yubi Bao), with a maximum reward of 1 case of Flying Moutai.

On July 10, the Yubibao USDT 7-day fixed-term financial management extra reward pool went live, with a 10% annualized bonus available upon subscription, and a maximum comprehensive annualized yield of up to 12%. A total of 1,666,667 SARM in extra rewards.

The platform has also launched related activities for the recent hot token sale of Pump.fun. From July 12 to July 22, Yubi Treasure will temporarily open PUMP user benefits. Users who have participated in the public sale of PUMP tokens or PUMP Launchpad can purchase Yubi Treasure USDT financial products and enjoy up to 50% additional annual interest.

Currently, the platform's on-chain earning for BTC mining and ETH mining maintains an annualized rate of around 3%, which has considerable competitiveness compared to similar products in the market. The limited-time additional rewards for USDT mining can reach an overall annualized rate of 15%.

Overall, although these financial products started with the aim of providing convenient services for "lazy users", what lies behind them is the logic of platformization and standardization of digital asset management tools. Whether it is the YuCoin Treasure of flexible/fixed combinations, the "On-chain Earning Coins" for on-chain asset yield custody, or the dual-currency investments and regular investing in structured derivatives, they all attempt to fill the "gray area" between crypto finance and traditional wealth management.