tradfi

Disclosure: It is not financial advice
A familiar ticker can appear in more than one product. That does not mean you are holding the same thing.
On BiyaPay, you can buy a US stock, and you can also trade an equity perpetual contract that tracks that stock's price. The screen may look related. The holding is not.
I would separate those products before deciding which one matches the intention. This is not a recommendation to use either one. It is a reading of what official pages actually say you hold, and what they do not say.
What official language says about the share
Official product language on BiyaPay describes US and Hong Kong stock trading as real stocks, with real ownership and real dividends, plus 0 commission, instant settlement, and fast fills.
I read that as a description of the stock product, not of every product that happens to show a similar name. A share is presented as ownership of the equity. A contract that tracks the price is not described in those terms.
On dividends, the Help Center is more specific. Purchased US and Hong Kong stocks may receive dividends. Whether a dividend is paid depends on whether the company pays one and whether you meet that company's conditions.
If you hold the stock on the ex-dividend date, dividends are usually paid within 1 to 30 working days after that date, with the timing and amount set by the company's policy and announcement.
I did not find a separate official page that explains how voting is exercised on BiyaPay. Official language does confirm ownership and dividends for the stock product. I would not invent a voting process that the pages do not describe.
The Help Center also says BiyaPay can currently trade all US stocks, including ETFs. The smallest whole-number unit is 1 share, and some stocks support fractional share trading.
What official language says about the equity perpetual
In official listing announcements, BiyaPay describes these contracts in the same pattern: they track the price of the underlying common stock. NVDAUSDT tracks Nvidia (Nasdaq: NVDA). GOOGLUSDT tracks Alphabet (Nasdaq: GOOGL). METAUSDT tracks Meta Platforms (Nasdaq: META).
Later listings use the same wording for other US-listed names, including Netflix, Costco, and Adobe.
That is price tracking. It is not the same as the "real ownership" and "real dividends" language used for the stock product.
I did not find an official statement that a perpetual holder receives the cash dividend of the underlying share, or that the contract carries shareholder rights. If a page does not say it, I would not assume it.
Official risk language on those announcements is blunt. Prices can be volatile, you may lose the amount you put in, and in contract trading, adverse moves can liquidate all of your margin balance.
The stock has defined sessions. The contract's hours are less clearly stated
US stock trading is not an always-open share market. The Help Center says BiyaPay currently supports night trading, pre-market, intraday, and after-hours sessions, and it publishes those windows in Eastern Time:
Night trading: 20:00 to 04:00Pre-market trading: 04:00 to 09:30Intraday trading: 09:30 to 16:00After-hours trading: 16:00 to 20:00
The same page also maps those sessions to Beijing time for daylight saving and standard time. Periods other than intraday trading are called extended trading hours. I would still verify the session on the order ticket, especially around holidays or early closes.
For equity perpetual contracts, I did not find a dedicated official trading-hours page. A separate Help Center article says cryptocurrency contracts can be traded 24 hours a day, but that article is titled for cryptocurrency contracts, not for TradFi equity pairs.
I would not copy that 24-hour statement onto NVDAUSDT or GOOGLUSDT without a page that says so. The practical step is to check the hours, if any, on the contract page itself.
Perpetual contracts are officially described as having no expiration or delivery date. That is about tenor, not a substitute for a trading-hours schedule.
Fees: zero commission and zero trading fees are not the same thing
For US stocks, official materials say the commission item is US$0. That does not mean every cost is zero.
An official fee explanation that cites the Biya Fee Schedule says the platform fee is US$0.005 per share, with a minimum of US$0.99 per order and a maximum of 1 percent of the transaction value. External institution fees, trading activity fees, CAT fees, settlement-related fees, and sell-order charges may also apply.
Fractional orders of less than 1 whole share follow a separate rule: a 1 percent platform fee on transaction value, capped at US$1, with no commission or third-party fees. I would read the fee schedule and the order preview before sending a stock order, especially on a smaller ticket, where the minimum fee is a larger share of the cost.
For TradFi perpetual contracts, BiyaPay announced a 0 Trading Fee Program. During the campaign, maker and taker trading fees on all TradFi perpetual pairs are 0 percent.
The campaign is described as effective immediately and valid long-term, but it applies only to those trading fees. Funding fees and other applicable charges remain subject to the platform's existing rules, and BiyaPay reserves the right to modify, adjust, suspend, or terminate the campaign.
I would not treat 0 percent trading fees as zero cost. Funding is a separate charge. Official contract help describes a funding rate as a fee periodically exchanged between long and short holders, used to keep a perpetual closer to the underlying price.
The TradFi announcement confirms that funding still follows existing rules, but I did not find a TradFi-specific official interval for pairs such as NVDAUSDT or GOOGLUSDT. I would check the funding rate and settlement time on the contract page rather than assume a number.
Leverage and liquidation belong with the contract
A cash purchase of the share and a leveraged contract are different risk shapes.
On the equity perpetual, official listing language already says that in an adverse move, all of your margin balance may be liquidated. That is the point I would not soften. Leverage can make a price swing larger in both directions.
Official contract help says maximum leverage varies by contract and should be checked on the trading page. I did not find an official maximum leverage figure specifically for TradFi equity pairs, so I will not invent one or apply crypto examples such as 100x to these contracts.
There is also a separate stock-margin product that should not be mixed in by accident. The Help Center says a BiyaPay stock account can support underlying stocks and margin trading, and that financing and short selling support up to 4x leverage.
Forced liquidation on the stock side is described for leveraged trading when remaining liquidity is 0, or 0 percent. A cash holding of the share is not the same as a margin stock position, and neither is the same as an equity perpetual.
How I would match the product to the intention
If the intention is to own the company, I would use the stock product and accept its sessions, settlement language, and the fee lines that still apply after 0 commission. That is the product official pages describe with ownership and dividends.
If the intention is to trade the price, with no claim to the share itself, the equity perpetual is the product official pages describe as tracking that price. I would then treat funding, leverage, and liquidation as part of the design, not as fine print to reread later.
I would not hold the contract as a stand-in for the share just because the ticker looks familiar.
A calmer way to choose
The useful split is simple. Official language about real stocks, ownership, and dividends belongs to the share. Official language about tracking the price, trading fees, funding, and margin liquidation belongs to the equity perpetual.
If those columns are kept apart, the choice gets clearer. If they are collapsed into one ticker, it is easy to expect shareholder treatment from a contract, or contract-style access from a share.
This is not a recommendation to buy, sell, or hold any stock or any perpetual contract, and it is not financial advice. Official product descriptions, fees, hours, and risk rules can change. I would re-read the latest product pages, fee schedule, and risk language before acting.
#BiyaPay #USStocks #Perpetuals #TradFi

Binance annonce le lancement de deux nouveaux contrats perpétuels liés à des actions de sociétés cotées aux États-Unis.
Cette nouveauté permet aux utilisateurs éligibles d'accéder à des produits dérivés liés aux marchés financiers traditionnels directement depuis l'écosystème Binance Futures.
📅 1. Les deux nouveaux contrats
Le lancement est prévu aujourd'hui, jeudi 12 novembre 2026.
NU
NUUSDT
Nu Holdings Ltd. — NYSE : NU
10 h 30 à UTC
FRHCUSDT
Freedom Holding Corp. — Nasdaq : FRHC
10 h 45 UTC
Les deux contrats seront réglés en USDT et pourront être négociés 24 heures sur 24 et 7 jours sur 7. Binance announcement,Binance news +2
🔍 2. Comment fonctionnent ces nouveaux contrats ?
Il faut comprendre une distinction importante.
Il ne s'agit pas d'acheter directement des actions Nu Holdings ou Freedom Holding.
Ce sont des contrats à terme perpétuels (TradFi Perps) dont le prix suit les actions sous-jacentes.
Voici les caractéristiques annoncées :
| Caractéristique | Détail |
| -------------------- | -------------------------- |
| Type | Contrats perpétuels USDⓈ-M |
| Règlement | USDT |
| Levier maximal | 20x |
| Horaires | 24 h/24, 7 j/7 |
| Frais de financement | Toutes les 8 heures |
Binance utilise des mécanismes particuliers de calcul du prix de référence et du prix de marquage lorsque les marchés traditionnels sont fermés. Le fonctionnement n'est donc pas identique à celui des contrats perpétuels classiques sur les cryptomonnaies. Binance announcement,Binance news +1
⚠️ 3. Attention aux risques
Le fait de pouvoir négocier 24/7 ne signifie pas que les marchés boursiers américains sont ouverts 24/7.
Pendant les périodes de fermeture, les mécanismes de calcul des prix peuvent différer de ceux utilisés pendant les séances normales.
Autres risques à connaître :
* Le levier peut amplifier les pertes.
* Une liquidation peut entraîner la perte de la marge engagée.
* Les frais de financement peuvent réduire les résultats.
* Les prix des contrats peuvent évoluer différemment d'un investissement direct dans les actions.
Un levier de 20x ne signifie pas une opportunité de gain facile.
Vérifiez également la disponibilité de ces contrats dans votre pays avant toute participation.
💰 4. ASTUCE POUR GAGNER AVEC BINANCE : le staking flexible de SOL
Si le trading avec effet de levier ne vous intéresse pas, Binance propose également des possibilités de récompenses avec le staking.
Dans son annonce Yield Arena du 11 novembre, Binance affichait un APR dynamique pouvant atteindre 4,4 % sur SOL Staking flexible.
Comment explorer cette possibilité ?
* Ouvrez votre application Binance.
* Accédez à la rubrique Earn.
* Recherchez SOL Staking.
* Consultez le taux APR disponible.
* Vérifiez les conditions et le montant minimum, annoncé à 0,01 SOL.
* Si les conditions vous conviennent, choisissez le montant et confirmez votre souscription.
À surveiller
L'APR est variable et peut changer. Les récompenses sont en SOL : une baisse du cours de SOL peut dépasser leur valeur. La disponibilité dépend également de votre région. Binance
Notre conseil : apprenez à distinguer le trading spéculatif des produits de récompenses. Ils n'ont ni le même fonctionnement ni les mêmes risques.
💬 5. Question à la communauté
Que pensez-vous de cette évolution de Binance ?
Préférez-vous voir davantage d'actions traditionnelles accessibles sous forme de contrats dérivés sur Binance, ou pensez-vous que la plateforme devrait plutôt développer les produits d'épargne et de staking ?
Partagez votre avis avec CryptoVision243
$USDT $SOL
#Binance #BinanceFutures #TradFi #NuHoldings #FreedomHolding #Trading #Staking #BinanceEarnings #CryptoNews #CryptoVision243

쪽지에 「NUUSDT 상장 보너스」「FRHC 에어드랍 입금」이 오면, 전 일단 닫아요. 오늘 오후 5시 30분에 열리는 건 NUUSDT 선물이지, 주식을 계좌에 넣는 게 아니거든요.
바이낸스 공식 공지 기준으로, TradFi USDⓈ-M 영구계약이 오늘 09:30 UTC(한국 시간 오후 5시 30분)에 NUUSDT, 09:45 UTC(오후 5시 45분)에 FRHCUSDT로 상장돼요. 기초자산 이름은 공지 표 그대로예요. NUUSDT는 Nu Holdings Ltd. Class A Ordinary Shares(NYSE: NU), FRHCUSDT는 Freedom Holding Corp. Common Stock(Nasdaq: FRHC)예요. 그래도 실물 주식을 보유하는 게 아니고, 결제 자산은 USDT인 영구 선물이에요. 전 TradFi가 한꺼번에 열린 것도 아니에요.
오후 5시 반에 둘 다 열려요?
아니요. 공지 시간은 위와 같고, NUUSDT가 먼저, FRHCUSDT는 15분 뒤예요. 첫 심볼만 보고 둘 다 열렸다고 단정하지 마세요. 이미 지났거나 화면에 안 보이면, 공식 공지랑 계약 정보를 다시 보면 돼요. 지역·계정에 따라 안 보일 수 있다고 공지에도 적혀 있어요.
회사 이름이 보이면 주식 산 거죠?
아니에요. 틱 사이즈는 0.01이고, 최소 수량은 0.01 NU / 0.01 FRHC, 최소 명목은 5 USDT예요. 펀딩 상한은 +2.00%/−2.00%고, 정산은 8시간마다예요. 공지상 이 계약들은 펀딩이 상한·하한에 닿아도 8시간에서 1시간으로 자동으로 안 바뀌어요. 최대 레버리지 20배는 한도이지, 쓰라는 말이 아니에요. 거래 시간은 24/7이고, 멀티에셋 모드는 지원돼요. 숫자는 공지 표랑 계약 화면이 기준이에요.
쪽지에 에어드랍 입금이 적혀 있으면요?
거르세요. 공식 앱·웹의 선물 화면이랑 공지만 보면 돼요. 시드, 인증 코드, 원격 제어, 「카피 대행」「상장 보너스」링크는 열지 마세요.
궁금한 점만
Q. 20배를 기본으로 두면 되나요?
A. 아니요. 공지에 적힌 최대 레버리지 상한일 뿐이에요. 매매나 배율 권유가 아니에요.
Q. 지금 주식을 계좌에 넣는 건가요?
A. 아니요. USDT로 결제하는 영구 선물이에요. 실물 소유가 아니에요.
리스크: 레버리지·펀딩이 있는 영구 계약이라 손실이 날 수 있어요. 이 글은 매매 추천이 아니에요.
#암호화뉴스 #TradFi #바이낸스선물