At expiry, which coin you receive depends on whether the settlement market price is higher or lower than the target price you set. There are only two outcomes: you either receive the coin you deposited plus interest, or you receive the target coin plus interest. No guessing is needed because the settlement rules are clearly written.
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Step 1: First check whether you chose "Buy Low" or "Sell High"
Binance Dual Investment is essentially a product with two directions, and you already chose your direction when you subscribed.
| Your direction | Deposited coin | Target coin | Settlement condition |
|---|---|---|---|
| Buy Low | Stablecoins such as USDT | Coins you want to buy, such as BTC or ETH | Settlement price ≤ target price → buy the target coin at the target price |
| Sell High | Coins you want to sell, such as BTC or ETH | Stablecoins such as USDT | Settlement price ≥ target price → sell at the target price and convert to stablecoins |
If the settlement condition is not met, you get back your original coin. Interest is still paid. In other words, whether or not the trade is executed, you still receive interest.
Step 2: How the settlement price is determined
The settlement price is not the market price at the exact moment of expiry. Instead, it is the average market price over the last 30 minutes before 08:00 UTC on the settlement date. This rule helps avoid last-second price spikes from affecting the result.
Step 3: How much you actually receive
Case A: Settlement price reaches the target price
Buy Low product: Your principal + interest is converted into the target coin at the target price.
Sell High product: Your principal + interest is converted into stablecoins at the target price.
Case B: Settlement price does not reach the target price
Buy Low product: Your principal + interest is returned unchanged in USDT.
Sell High product: Your principal + interest is returned unchanged in your original coin.
Interest formula: Yield = subscription amount × (annualized yield × subscription period days / 365)
Subscription period days = the number of days from the subscription date to the settlement date. The annualized yield is locked when you subscribe and will not change.
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Step 4: When will the funds arrive
On the settlement date, returns are calculated at 08:00 UTC and credited to your spot account before 14:00 UTC. Dual Investment does not support early redemption, so you must wait until the settlement date for automatic settlement.
Risk reminder: Dual Investment is not a principal-protected wealth management product. The most direct example is someone who pursued a high annualized yield and placed a sell order at 100,000 when BTC was at 95,000. Within a week, BTC rose to 110,000. Although that person earned the premium, they missed a gain of 15,000 per coin.
How to verify after settlement: After 14:00 UTC on the settlement date, check your spot account to confirm which coin and how much you received. Then go to the "History" section of your Earn account, find the order, and check that the settlement status shows "Completed" to confirm the settlement result.
