Dual Investment: Earn Crypto Yield in Volatile Markets

Dual Investment represents a structured saving product with enhanced yield that involves two different currencies, allowing users to either buy or sell cryptocurrencies at their desired price and time in the future. This non-principal protected product enables investors to select an underlying asset, deposit currency, subscription amount, and settlement date, creating a flexible framework for managing crypto exposure. The core appeal lies in earning high-interest income irrespective of market direction, making it particularly valuable during periods of market uncertainty and volatility.

The strategy operates through two primary product types: ‘Buy Low’ and ‘Sell High.’ For Buy Low products, if the settlement price falls below the target price, the product is exercised, allowing users to purchase crypto at a discounted rate. Conversely, Sell High products are exercised when the settlement price exceeds the target price, enabling users to sell their crypto holdings at a premium. In both scenarios, users receive returns in the deposit currency if the product is not exercised, or in the alternate currency if exercised, providing flexibility in outcome management.

Key terminologies essential for understanding Dual Investment include Annual Percentage Yield (APY), which represents the interest earned if crypto is locked in the product for a year; Settlement Date, the predetermined date for transaction execution; Settlement Price, calculated as the market price average over 30 minutes; Subscription Amount, the initial deposit; Subscription Period, the duration from subscription to settlement; and Target Price, the user-set price level for buying or selling. These components work together to create a structured approach to crypto investing that mitigates directional risk.

Return calculations for Dual Investment follow specific formulas depending on the product type and market outcome. For Buy Low products, when the target price is reached on the settlement date, users’ subscription amount and interest income are used to buy crypto at the target price using the formula: (Subscription Amount + Interest Income) / Target Price. If the target price is not reached, users receive their subscription amount and interest income without conversion. Similarly, for Sell High products, when targets are met, the formula (Subscription Amount + Interest Income) x Target Price applies, while unmet targets result in straightforward return of principal plus interest.

A practical example illustrates how Dual Investment works in real market conditions. Consider Bob, who holds 1 BTC and wants to sell at $50,000 within 30 days. He subscribes to a Sell High BTC investment with a $50,000 target price, January 31st settlement date, and 40% APY. If the market price doesn’t reach the target, Bob keeps his 1 BTC plus earns 0.033 BTC from the 40% APY. If the target is reached, Bob sells his 1 BTC plus the earned 0.033 BTC, receiving 51,650 BUSD. This demonstrates how investors can profit in both scenarios while maintaining exposure to potential upside.

The advantages of Dual Investment are multifaceted, including the ability to buy crypto at lower prices or sell at higher prices than current market levels, earning high-interest yields through attractive APY rates, accessing wide selections of assets with customizable target dates and prices, and benefiting from zero trading fees when targets are reached and orders execute automatically. These features make Dual Investment particularly appealing for investors seeking to navigate volatile markets like those experienced during the Luna collapse and Bitcoin value fluctuations.

Binance’s implementation of Dual Investment follows a structured five-step process that begins with accessing the Dual Investment platform and selecting the desired asset. New users must complete a Dual Investment quiz to ensure understanding of the product mechanics before proceeding to choose between Sell High or Buy Low options. Users then select their target price and settlement date, enter the subscription amount, agree to Binance’s service agreement, and finalize their investment. This systematic approach ensures users comprehend the product’s risks and mechanics before committing funds.

While the source text specifically details Binance’s implementation process, it indicates that Pionex and Matrixport also offer Dual Investment opportunities through their platforms. The comparison between these three major crypto exchanges and trading bot providers focuses on how each facilitates Dual Investment strategies, though specific differences in user interface, available assets, APY rates, and settlement processes would require direct platform examination. All three platforms enable users to leverage Dual Investment as a strategy to generate returns during market volatility, providing alternatives to traditional trading approaches.

The growing popularity of Dual Investment products across platforms like Binance, Pionex, and Matrixport reflects increasing demand for structured crypto products that can generate yield in uncertain market conditions. As investors seek alternatives following multiple crypto market crashes and reduced profitable opportunities, Dual Investment offers a compelling solution that combines yield generation with strategic positioning. The zero trading fee structure when targets are reached provides additional cost efficiency, making these products increasingly attractive for both retail and institutional investors navigating the evolving crypto landscape.