Dual Investment is not about guessing whether the market will go up or down. You set a price in advance. If the market reaches it, you trade at that price and earn interest. If it does not, you get your principal back plus interest. Either way, you earn interest. The key is not about guessing direction. It is about judging whether the price will reach your target.
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Step 1: Understand what each strategy means
The core logic of Dual Investment is selling options. You give up some potential gains from price breakouts in exchange for guaranteed interest income. The two strategies work like this:
| Strategy | What you invest | Target price vs current price | What happens if reached | What happens if not reached |
|---|---|---|---|---|
| Buy Low | USDT | Below current price | You buy the target coin at the target price | You get back USDT and keep the interest |
| Sell High | Target coin (e.g. BTC) | Above current price | You sell at the target price and receive USDT | You get back the target coin and keep the interest |
Buy Low means you think the price will drop to a certain level, and you are willing to buy there while earning interest. At settlement, if the market price is at or below your target price, the purchase succeeds. If the market price is above your target price, the purchase fails.
Sell High means you think the price will rise to a certain level, and you are willing to sell there while earning interest. At settlement, if the market price is at or above your target price, the sale succeeds. If the market price is below your target price, the sale fails.
Step 2: How to choose a target price — three key factors
Factor 1: Price distance determines exercise probability and APR
The closer your target price is to the current price, the higher the chance of exercise, and the higher the APR. The farther your target price is from the current price, the lower the chance of exercise, and the lower the APR.
Key logic: High APR means a higher chance of being exercised. Choosing a 20% price gap versus a 5% price gap can produce very different APRs, but a 5% gap is much easier to trigger. You will likely trade at that price. This is not a way to get free interest.
Factor 2: Your real intention matters more than the APR number
Community consensus: When using USDT for Buy Low, your target price should be a price you actually want to buy at. If the price falls below your target at settlement, you will buy at the target price. That means you bought early in a dip. But if you already wanted to build a position at that level, it is not a loss. Similarly, for Sell High, your target price should be a price you are willing to sell at.
Factor 3: Choose the term based on market conditions
Short-term products (within 7 days) may show APRs above 100% during high volatility, but they can also be triggered by sudden price wicks. Medium-to-long terms (14-30 days) are more suitable for sideways markets, with APRs ranging from 30% to 80%. When the sideways period lasts more than 2 weeks and BTC volatility is below 5%, it is a good window to place orders and earn interest.
Step 3: Two typical consequences of choosing the wrong target price
Consequence 1: Chasing high APR with a narrow price gap can make you miss bigger moves
Real example: A user wanted a 300% APR. When BTC was at 95,000, they set a Sell High target at 100,000, only a 5% gap. Within a week, BTC rose to 110,000. They earned the premium, but missed a gain of 15,000 per BTC. A high APR number does not mean you actually earn more. Do not set the price gap too narrow just to chase high APR, or you may sell too early.
Consequence 2: Setting the target price too far away makes the interest too small to matter
If you set the target price extremely far from the current price, the APR may fall below 5%. Your funds could be locked for over ten days, and the final interest may be less than 0.5%. That is worse than flexible savings, where you can at least withdraw anytime.
Step 4: A safe range for beginners
From experience, a price gap of 10%-15% and a term of 14-30 days is a relatively stable range for beginners. Use no more than 20% of your funds to try it. Do not go all in. The key principle is simple: choose a price you actually want to trade at. Do not chase APR numbers.
How to check your order after subscribing
After subscribing, you can see your order under Earn - Dual Investment - Current Orders. On the settlement date, your earnings will be distributed to your spot account before 14:00 (UTC). Check your spot account to confirm the coin and amount received. Note: Funds cannot be redeemed early during the lock-up period.
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New user benefit: Enjoy 20% off trading fees upon registration!
FAQ
Q: How is the settlement price determined?
A: It is the average market price during the last 30 minutes before 08:00 (UTC) on the settlement date. This is called the "fixing price." It determines whether your order is exercised.
Q: If I want to keep reinvesting after settlement, do I need to do it manually?
A: Binance supports an auto-compound plan. You can set a minimum APR, target price gap, and settlement date. The system will automatically match new products for reinvestment after settlement.
Q: If the APR shows 300%, will I earn 300 USDT with 100 USDT?
A: No. APR is an annualized rate. Actual earnings = subscription amount × APR × holding days / 365. If you hold for 7 days, a 300% APR gives you about 5.75% actual return. 300% is a high annualized rate, not a high actual return.
