The maturation and evolution of the crypto market, the rise of low-threshold financial products

With Bitcoin prices reaching new highs, crypto assets are gradually becoming core financial assets for long-term investment. After years of market fluctuations, the crypto market is entering a new stage that is more mature but also more complex.

For ordinary investors who lack professional knowledge or find it difficult to operate frequently, "lazy investment" has become a more realistic choice. Currently, various financial products tailored to different user needs have emerged in the market, such as the low-risk Yu Bi Bao, on-chain coin earning, structured dual-currency investments, and regular investment management, providing users with a way to participate in the growth dividends of the crypto market without complicated operations.

Yubi Treasure: Flexible and Convenient Crypto Demand Deposit

The Yubibao 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 for the platform. The system will automatically lend the assets in Yubibao to other users, and the interest generated will be returned to users as the annualized yield of the demand product.

Yubi Treasure offers a low-risk and stable capital-preserving investment path. It supports both demand and fixed-term deposits of multiple currencies, with a simple subscription process and flexible interest calculation periods, making it a financial product suitable for general investors. Its features also include immediate redemption support for demand/fixed deposits, allowing users to enable automatic earning of cryptocurrency for demand deposits and automatic reinvestment of both principal and interest for fixed deposits, further simplifying its operation.

Currently, Yu Bi Bao supports nearly a thousand types of encryption currencies, with current managed funds exceeding 2.3 billion USD. The comprehensive annualized yield for USDT's current products can reach up to 12.5%, while the annualized return for fixed-term wealth management can exceed 500%.

Recently, the Yubi Treasure has launched the immediate redemption and automatic reinvestment features, further enhancing the user experience of the Yubi Treasure product. Specifically, on April 15th, the Yubi Treasure's fixed-term product instant redemption feature went live. Users can have their funds credited in real-time when redeeming fixed-term assets.

In addition, some exchanges have also launched VIP exclusive "Yubibao Regular" wealth management, with a maximum annualized return of 4.5% for USDT over 30 days, and the subscription amount exceeded 60 million USDT after its launch.

Earn Coins On-Chain: Lowering User Participation Threshold

On-chain yield refers to the process of earning income from cryptocurrency assets by directly interacting with blockchain protocols. These yields are generated 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 blockchain networks.

Although there are opportunities for on-chain earnings, new users face certain barriers and security risks when participating directly on-chain. Users not only face operational risks, such as phishing attacks, but also need to be aware of the security vulnerabilities of the protocols themselves. For example, recently, there have been multiple incidents of DeFi protocols being hacked.

The "on-chain earning" module of certain exchanges, centered around PoS staking, DeFi protocol lending, and liquidity mining, provides users with a one-stop on-chain financial 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. These platforms eliminate the need for users to manually set up validators or delegate tokens, automating these processes while providing users with real-time information on APY, redemption schedules, and available additional rewards.

On-chain earning aggregates various popular PoS projects, selecting high-quality projects and providing a variety of Staking products, many of which are recognized as high-quality PoS projects in the industry, such as ETH, DOT, ATOM, etc.

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

Dual currency investment is a fixed income, non-principal guaranteed financial product. Its core strategy is to buy low and sell high, and it can be flexibly applied in different scenarios:

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

The highlight of the dual currency investment mechanism lies in that it is a financial product derived 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 amid market fluctuations, enabling flexible use of assets. Regardless of the market direction, investors can obtain relatively high interest income through dual currency investment, enhancing the overall capital return capability. Currently, dual currency investment supports 60 types of crypto currencies.

Dollar-Cost Averaging: Diversify Risks, Long-term Returns

For users who cannot monitor the market long-term and do not wish to trade frequently, "dollar-cost averaging" has always been one of the classic strategies in traditional finance. Some exchanges have launched investment products based on this concept.

The highlights of its products include:

1. The regular investment strategy avoids the impact of market fluctuations on a one-time investment by continuously buying assets at fixed amounts at fixed times, effectively averaging out the investment cost.

2. It can reduce the pressure of timing. There is no need to accurately predict the market's ups and downs; regular investment automatically helps users to spread out the buying time points, making the investment more relaxed.

3. Long-term profit potential: According to backtesting data from 2021 to 2024, the yield performance of the dollar-cost averaging strategy outperforms that of a lump-sum investment strategy in most market phases.

Regular investment financial management is suitable for a wide range of users, whether they are beginners or individuals who do not have time to monitor the market, making it suitable for all users.

Rich activities offer extra rewards

In addition to regular financial products, some exchanges further incentivize users to participate through various activities. For example, interest rate increase activities for financial products, exclusive VIP financial activities, etc., provide users with additional opportunities for profit.

Currently, the annualized returns for on-chain BTC mining and ETH mining on some platforms are around 3%, which offers considerable competitiveness compared to similar products in the crypto market. The time-limited additional rewards for USDT mining can bring the overall annualized returns to 15%.

Overall, these crypto financial products began by providing convenient services for "lazy users", but behind them is the logic of platformization and standardization of digital asset management tools. Whether it's the YuBiBao with a combination of spot/fixed-term offerings, the "On-chain Earnings" for on-chain asset yield custody, or the structured derivatives of dual-currency investment and regular investment management, they are all attempting to fill the "blank space" between crypto finance and traditional wealth management.