XT Exchange

XT’s Exclusive Fixed Savings

Earn products

What Is XT’s “Exclusive Fixed Savings” Product?

XT’s Futures-Based Exclusive Fixed Savings product is a new type of financial product that offers higher base interest, along with additional bonus yields linked to your futures trading activity.

Key Benefits

  1. Optimized for Futures Traders
    Multiple trading tasks designed to suit different user profiles help unlock higher reward potential through futures engagement.
  2. Lower Entry Threshold
    You can start with as little as 1 USDT, compared to other premium products that often require tens of thousands to participate.
  3. Diverse Bonus Triggers
    Bonus interest is not limited to trading volume. Factors like trading frequency, savings holdings, and VIP level can all contribute to yield enhancements, giving users more opportunities to boost returns.

 

How to Subscribe to XT’s Exclusive Fixed Savings product (Futures-Based)

Step 1: Go to XT Earn

  • On the website: Click “Finance” in the top menu and select Simple Earn
  • On the app: Tap “Financial Services” and then Simple Earn

Step 2: Subscribe to the Product

  1. Find the USDT Exclusive Fixed Savings (Trading-Based) product
  2. Click Subscribe
  3. Enter the amount you want to invest
  4. Review the estimated APR and accept the terms
  5. Click Confirm to complete the subscription

Step 3 (Optional): Enable Auto-Subscription

  • This feature lets you automatically reinvest your available spot balance
  • You can turn this on or off at any time in your XT Earn settings

Step 4: Manage Your Investment

  • To add more funds, click Continue to Subscribe
  • To withdraw, click Redeem, and the funds will return to your spot account
  • Track your income under Investment Holdings in the XT Earn section

 

How It Works

The product offers base interest and bonus interest options.
Base interest is calculated daily using the subscription's APR.
Bonus interest is settled at the end of a performance cycle based on your futures trading activity.

Base Interest Calculation

Daily Interest = Subscription Amount × Base APR ÷ 365

Example:
Investing 100 USDT at 5.2% base APR:
100 × 5.2% ÷ 365 = 0.0142 USDT per day
Interest is credited daily at 00:00 (UTC).

Bonus Interest Calculation

Bonus Interest = Subscription Amount × Bonus APR ÷ 365

Example:
If your futures trading activity qualifies for a 12.7% bonus APR on a 100 USDT investment:
100 × 12.7% ÷ 365 = 0.347 USDT per day
Bonus interest is credited at the end of each cycle (usually in 3, 5, or 7 days).

  • If you subscribe on Day T, interest starts calculating from T+1
  • Interest is credited to your XT Earn account by 00:00 on T+2 (UTC)
  • Annual percentage rates may vary based on market conditions
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