HashWhale Simple Earn Platform Overview

The following information is designed to help you quickly understand how the HashWhale Simple Earn platform operates, including product features, yield mechanisms, sources of returns, and key rules.

1. What is Simple Earn?

On the HashWhale Principal-Protected Earn platform, users can deposit digital assets into Flexible Earn or Fixed Earn products to continuously generate returns.

Flexible Earn

• Assets can be deposited and redeemed almost at any time

• Rewards are calculated on an hourly basis

• Earn yield while maintaining high liquidity and capital flexibility

Fixed Earn

• Offers relatively higher returns compared to Flexible Earn

• Assets are locked for a predefined term

• Early redemption is not supported

• Principal and rewards are automatically returned upon maturity

Yield Rate & Distribution Rules

• This product applies a fixed Annual Percentage Rate (APR)

• Yield calculation starts from [Subscription Date + 1 day]

Yield distribution by product duration

Products with a term of 30 days or less

• Rewards are distributed in full at maturity

• Funds are credited to:
  My Wallet → Earn Available Balance

Products with a term of more than 30 days

• Rewards are distributed every 30 days as one settlement cycle

• Upon maturity, users receive the final reward distribution plus principal

Daily Yield Formula

Daily Yield = Subscribed Amount × APR ÷ 365

• The calculation result is rounded down to 8 decimal places, without exception

For detailed rules and yield information, please refer to the terms displayed on the corresponding product page.

2. How Does Simple Earn Work?

Principal-Protected Mechanism

• Simple Earn products are principal-protected

• The token quantity deposited by users is protected by HashWhale

• The market price of the asset may still fluctuate due to market conditions

Product Types

Flexible Earn

• Supports deposits at any time

• Generates yield on an hourly basis

• Rewards are distributed hourly and automatically compounded

Fixed Earn

Up to 30 days (inclusive):

• Principal and interest are distributed in full after the lock-up period ends

More than 30 days:

• Interest is distributed monthly

• Upon maturity, principal and the final month’s interest are distributed together

3. Sources of Simple Earn Returns

The annualized yield of Simple Earn products is determined by HashWhale.

Yield rates are set by comprehensively considering:

• Market conditions

• Capital utilization efficiency

• Risk management mechanisms

This ensures returns remain sustainable and competitive.

Assets deposited into Simple Earn products may be utilized in various ways, including but not limited to:

• On-chain staking

• Lending through HashWhale loan products to other users

Rewards are calculated and distributed according to product rules, and users can track their earnings in real time within their accounts.

4. How Are Annual Percentage Rates (APR) Determined?

Simple Earn reward APRs are set by HashWhale based on factors such as:

• Market conditions

• Asset supply and demand

• Platform capital management structure

The APR displayed on the platform:

• Represents the expected return indicator of the financial product

• Does not represent HashWhale’s overall business profitability

HashWhale may retain a portion of the returns for purposes including:

• Platform operations

• User incentive programs

• Limited-time promotions or high-yield campaign products