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What is Binance Dual Investment?

2020-11-27 05:34
Tutorial Video
Dual Investment gives you an opportunity to buy or sell cryptocurrency at your desired price and date in the future, while earning a high interest yield no matter which direction the market goes.
Benefits of using Dual Investment
  • Buy Low or Sell High: You can buy crypto at a lower price or sell crypto at a higher price;
  • High Interest Yield: You’ll earn a high passive income no matter which direction the market goes;
  • Wide Selection: You can choose from a wide variety of assets and set the target date and price to your liking;
  • No Trading Fees: Zero trading fees when the target is reached and the “Buy Low” or “Sell High” product is filled.

When should I use Dual Investment?

Whether you’re an advanced trader or simply a HODLer that wants to earn some extra yield, there are many different reasons why you may decide to use Dual Investment. Some of the most common scenarios include:
  • Take profit: Sell your crypto holding at a Target Price to realize some of your investment gains while benefiting from additional interest yield;
  • Buy the dips: Buy crypto at a Target Price when the market is down, and enjoy additional interest yield;
  • Grow more crypto: You have crypto and want to earn additional returns while holding onto them;
  • Grow more stablecoin: You have stablecoins and want to earn additional returns while holding onto them.

How do “Buy Low” and “Sell High” products work?

There are two types of Dual Investment products: “Buy Low” and “Sell High”.
Buy Low products give you a chance to buy your desired crypto (such as BTC) at a lower price in the future with stablecoins (BUSD or USDT).
  • Target Reached: On the Settlement Date, if the Market Price is at or below the Target Price, the target currency (BTC) will be bought
  • Target Not Reached: On the Settlement Date, if the Market Price is above the Target Price, then you will keep your stablecoins
In both scenarios, you will first earn interest in stablecoins. Once the Target Price is reached, your subscription amount and interest income will be used to buy BTC.
Sell High products give you a chance to sell your existing crypto (such as BNB) at a higher price in the future (for BUSD).
  • Target Reached: On the Settlement Date, the Market Price is at or above the Target Price, your BNB will be sold for BUSD
  • Target Not Reached: On the Settlement Date, the Market Price is below the Target Price, then you will keep your BNB
In both scenarios, you will first earn interest in your existing currency (BNB). Once the Target Price is reached, your subscription amount and interest income will be sold for BUSD.

How to subscribe to a Dual Investment product?

1. Log in to your Binance account and click [Earn] - [Dual Investment].
It is defaulted to the Beginner Mode. Beginner Mode is designed for new Dual Investment users. It provides a step-by-step guide to help you through the Dual Investment subscription process. You can turn it on or off by toggling the button next to [Beginner Mode].
2. Search for the crypto you want to invest in. You’ll see the APY for the asset and its current Market Price. Click on the asset to start.
3. Select either the [Buy Low] or [Sell High] product. Enter the Target Price and select the Settlement Date. Click [Next].
4. You’ll see the winning scenarios and the expected returns.
You can click [View] to see the details of each scenario. Click [OK].
5. Please read the terms of use carefully and check the boxes. Click [Subscribe] to confirm.
6. You’ll see another pop-up reminder. Please note that once you subscribe, you cannot edit or cancel. Click [Confirm].
7. You have successfully subscribed to a Dual Investment product. To view your subscription, go to [Orders] - [Earn History] - [Dual Investment].

What is Auto-Compound?

Auto-Compound is a new feature that will automatically re-subscribe your Dual Investment plan on the Settlement Date.
Upon enabling the feature, the system will assist you to re-subscribe a new position, with a Settlement Date occurring on the next available Settlement Date from the current date.
The Settlement Date for BTC and ETH occur every Tuesday and Friday. The Settlement Date for all other digital assets is on every Friday.
As long as the Auto-Compound feature is enabled, your Dual Investment plan will be automatically re-subscribed to the next available Settlement Date on the Settlement Date. You can enable/disable the Auto-Compound plan 30 minutes before the Settlement Date.
To enable the Auto-Compound feature, toggle on the button next to [Auto-Compound] when setting up your plan. Then choose either the basic plan or the advanced plan.
If you already have an existing Dual Investment position and wish to enable/disable the Auto-Compound feature, you can do so via the Earn Wallet.

How does Auto-Compound work?

You can select between 2 types of Auto-Compound plans.
1. Basic Plan
  • If the Target Price is reached, Auto-Compound will stop. The system will close the position and distribute the returns.
  • If the Target Price is not reached, Auto-Compound will continue. The system will automatically subscribe to a new position with settlement occurring on the next available Settlement Date until the Target Price is reached.
2. Advanced Plan
  • If the Target Price is reached, the system will automatically subscribe to a new position with settlement occurring on the next available Settlement Date in the opposite direction. For example, you subscribed to a Sell High product and the Target Price is reached. Auto-Compound will open a new Buy Low position for you.
  • If the Target Price is not reached, the system will automatically subscribe to a new position with settlement occurring on the next available Settlement Date in the same direction. For example, you subscribed to a Sell High product and the Target Price is not reached. Auto-Compound will open a new Sell High position for you.
We will auto-compound based on the Market Price at your settlement time and choose a new Target Price based on the current Market Price. For example, if you’re using the Auto-Compound and the Buy Low Target Price is not reached, the system will set a new Target Price at 10% away from the current Market Price. Suppose the current Market Price is $20,000 for BTC, then the new Target Price will be 10% lower at $18,000.

Frequently Asked Questions

1. What is the Beginner Mode in Dual Investment?

Beginner Mode is designed for new Dual Investment users. It provides a step-by-step guide to help you through the Dual Investment subscription process.
You can turn on or off the Beginner Mode with the toggle button.
There are risks involved with Dual Investment.
  • Subscribed assets are locked and you won’t be able to cancel or redeem before the Settlement Date.
  • If the price moves further away from the Target Price, you end up losing the opportunity to buy or sell at a more favorable price.
  • The trade can only happen based on the price on the Settlement Date.
Please note that Dual Investment is not a risk-free investment. Please read through the product terms carefully before making your investment. Binance is not liable for any losses incurred from price fluctuations.
Once the subscription is completed, your Target Price, Settlement Date, and APY will be fixed. You are unable to revise these terms.
You can review your Target Price, Settlement Date, and APY from [Earn Wallet] and [Earn History].
Subscription AmountAmount which you have deposited when subscribing to Dual Investment. This amount will be used to buy or sell crypto.
Target PriceA set price at which you want to buy or sell cryptocurrency.
Settlement DateA set date at which you want to buy or sell cryptocurrency. You will also receive your investment return on this date.
Deposit CurrencyThe currency you used to subscribe to a Dual Investment product.
Target CurrencyThe asset you will be receiving if the Target Price is reached.
Subscription PeriodThe number of days from the day of the subscription until the Settlement Date.
Settlement PriceAn average of the Market Price in the last 30 minutes before 08:00 (UTC) on the Settlement Date. Settlement Price and Target Price determine whether your investment will be converted into the Target Currency.
Interest Income
Subscription Amount * APY% * Subscription Period (in days) / 365
The below summarizes the calculation of the total amount you will be receiving in different scenarios.
Buy Low Dual Investment - Two possible scenarios on the Settlement Date:
  1. Target Price is reached
    • (Subscription Amount + Interest Income) / Target Price
  2. Target Price is not reached
    • Subscription Amount + Interest Income
Sell High Dual Investment - Two possible scenarios on the Settlement Date:
  1. Target Price is reached
    • (Subscription Amount + Interest Income) * Target Price
  2. Target Price is not reached
    • Subscription Amount + Interest Income
Each subscribed product has a Settlement Date. We will take the average of the Market Price in the last 30 minutes before 08:00 UTC on the Settlement Date as the Settlement Price.
We will calculate your investment return on the Settlement Date at 08:00 UTC based on the Settlement Price and the Target Price. You will receive your returns in your Spot Wallet within 6 hours.
Unfortunately, you cannot edit or cancel your subscription once you subscribe. Please read through the product terms carefully before subscribing.
On the Binance website
Go to [Orders] - [Earn History] - [Dual Investment]. Here you can view your current subscription and redemption items.
On the Binance App
Go to [Wallets] - [Earn] and tap on the [Earn History] icon on the top right. Tap [Flexible Savings] to change the filter to [Dual Investment]. Here you can view your current subscription and redemption items.
You can enable, disable, or edit the Auto-Compound plan 30 minutes before the Settlement Date.
To enable/disable Auto-Compound, toggle on or off the button next to [Auto-Compound] when setting up your plan.
If you already have an existing subscription, you can enable, disable, or edit the Auto-Compound plan via your Earn Wallet.