The following guide will help you quickly understand the HashWhale Fixed Earn products (fixed-income products), including yield mechanisms, subscription process, redemption rules, and reward tracking.
1. What Is Fixed Earn?
HashWhale Fixed Earn provides users with a relatively stable yield through fixed-term products.
Key Features
Principal Protection
The deposited token amount is protected.Stable Returns
Designed for users seeking predictable and steady income.
Product Rules
Terms of 30 days or less
Principal and rewards are distributed in full at maturity.Terms longer than 30 days
Interest is distributed monthly, and upon maturity, users receive the principal plus the final interest payment.
2. How to Start Earning?
2.1 Subscribe to Fixed Earn
Users may choose from:
Products with a term of 30 days or less
Products with a term of more than 30 days
Once subscribed, the assets will be transferred into the product and locked for the duration of the term.
2.2 How Is Yield Calculated?
Products with a term of 30 days or less (inclusive)
Principal and interest are distributed in full when the lock-up period ends
Products with a term of more than 30 days
Interest is distributed monthly
Upon maturity, the principal and the final month’s interest are distributed together
Interest Rate Types
Fixed Rate Products
The interest rate is locked and will not change after subscription.Floating Rate Products
The interest rate may fluctuate. The rate displayed on the product page is an estimated yield.
3. Is Early Redemption Supported?
No.
Fixed Earn products do not support early redemption.
4. Annual Yield Calculation & Distribution Timing
Yield Calculation Formula
Yield = Subscribed Amount × APR ÷ 365 × Actual Number of Days
Yield Accrual Start Time
Interest begins accruing at 00:00 (UTC) on the day after subscription
Reward Distribution
Rewards are distributed on the day following the first full interest accrual day
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Some products:
May distribute rewards in a different token
May settle rewards in full at maturity
5. Frequently Asked Questions
Will my subscribed fixed-rate product be affected by new interest rates?
No.Once subscribed, the interest rate of a fixed-rate product remains unchanged.
Are there any regional restrictions?
Yes. Fixed Earn products are not available to users in:
The United States
Mainland China
Singapore
Sanctioned jurisdictions
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