HashWhale Flexible Earn User Guide

This guide is designed to help you understand the reward mechanism, interest calculation, redemption rules, and reward tracking of HashWhale Flexible Earn products.

1. What Rewards Can I Earn from Flexible Earn?

Rewards from HashWhale Flexible Earn products include:

• Real-Time Annualized Yield

• Tiered Annualized Yield (available for selected products)

Rewards are distributed hourly to:
My Wallet → Earn Locked Balance

All rewards are rounded down to 8 decimal places, without exception.

2. How Is Yield Calculated for Flexible Earn?

Flexible Earn products support subscriptions at any time and generate yield on an hourly basis.

Rewards are calculated based on:

• Real-Time Annualized Yield

• Tiered Annualized Yield (if applicable)

2.1 Real-Time Annualized Yield (Base Yield)

HashWhale Flexible Earn adopts an hourly interest accrual, hourly distribution, and automatic compounding mechanism.

Rules:

• After subscription is completed, yield begins accruing at the next full hour

• The current hour does not generate yield

• Yield is settled at the full hour and distributed to:
  My Wallet → Earn Locked Balance

• Distributed rewards are automatically compounded and included in subsequent interest calculations

Example:

• Subscription completed at 10:20

• Yield starts accruing at 11:00

• No yield is generated between 10:20–11:00

• Yield generated from 11:00–12:00 is expected to be distributed at 12:01

Notes on Real-Time Annualized Yield:

• Applies to assets locked in Flexible Earn products

• Displayed as an annualized rate, but calculated as hourly yield

• Rates may be adjusted hourly based on market conditions or platform strategy

• Actual credited rewards are subject to system calculations, interest precision, and rounding rules

2.2 What Is Tiered Annualized Yield?

For selected Flexible Earn products, HashWhale may periodically offer a Tiered Annualized Yield mechanism.

Rules:

• Different principal tiers are assigned different annualized rates

• Funds are automatically split across tiers and calculated separately

• Tiered yield and base yield apply simultaneously

• Yield calculation follows the same rules as base yield:

  • Accrual starts at the next full hour

  • Distributed hourly

  • Automatically compounded

3. Flexible Earn Redemption Policy

• Flexible Earn products support instant redemption

• Upon successful redemption, assets are immediately returned to:
  My Wallet → Available Balance
  (Earn Account / Funding Account / Hashrate Account, as selected)

• The system will prioritize redeeming assets with accumulated rewards

4. How Are Flexible Earn Rewards Distributed?

• Real-Time and Tiered Annualized Yields are distributed hourly to:
  My Wallet → Earn Locked Balance

• After redemption:

  • Funds are credited to My Wallet → Available Balance

  • Distributed rewards can be viewed in My Wallet

5. Important Notes & Risk Disclosure

• The displayed yield represents the maximum annualized rate, and not all funds may be eligible for that rate

• Actual returns depend on:

  • Subscription amount

  • Tier distribution

  • Interest rate adjustments

• HashWhale reserves the right to adjust yield rules within compliance requirements

• Digital asset prices may fluctuate. Annualized yields are estimated values and not guaranteed