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Dual Investment Terms

A. Dual Investment

1. By Subscribing to Dual Investment you acknowledge that you have read, understood and accepted all of the terms and conditions in these DI Terms, and you acknowledge and agree that you will be bound by and will comply with these DI Terms. If you do not understand and accept these DI Terms in their entirety, you should not Subscribe.

B. How to Subscribe

2. To Subscribe, you must agree to the following Transaction terms concerning your Dual Investment, which you will be prompted to accept on the Binance Platform:

a. the Target Price;

b. the Alternative Currency;

c. the Deposit Currency;

d. the Deposited Digital Assets;

e. whether the Dual Investment is a Buy Low Dual Investment or Sell High Dual Investment;

f. the Settlement Date; and

g. the DI Reward.

3. Digital Assets you use to Subscribe will be transferred from your Spot Account to your Dual Investment Account.

4. You will not be permitted to withdraw or otherwise deal with any Deposited Digital Assets until the Settlement Date. 

C.  Sell High Dual Investment & Buy Low Dual Investment

5. When you Subscribe to a Sell High Dual Investment, you agree that at the Settlement Date:

a. if the Target Price is Reached: 

i. you will exchange your Deposited Digital Assets for Digital Assets in the Alternative Currency at the Target Price; and

ii. DI Rewards will be exchanged for Digital Assets in Alternative Currency at the Target Price; or

b. if the Target Price is not Reached

i. you will retain the Deposited Digital Asset at the Settlement Date; and

ii. DI Rewards will be in Deposit Currency.

6. When you Subscribe to a Buy Low Dual Investment you agree that:

a. if the Target Price is Reached:

i. at Settlement Date you will exchange Deposited Digital Assets for Digital Assets in the Alternative Currency at the Target Price; and

ii. DI Reward will be exchanged for Digital Assets in Alternative Currency at the Target Price; or

b. if the Settlement Price is not Reached:

i. you will retain the Deposited Digital Asset at the Settlement Date; and

ii. DI Reward will be in Deposit Currency.

7. Depending on whether you instruct Binance to Auto-Compound in accordance with these DI Terms, all DI Rewards and your Deposited Digital Assets (whether in Deposit Currency or Alternative Currency), will be returned to your Spot Account 6 hours after the Settlement Date. 

8. You acknowledge that you may be better off holding your Digital Assets rather than Subscribing, and may be required to exchange your Digital Assets at a rate less favourable than the Spot Price on the Settlement Date.

D. DI Rewards and Deposit Digital Assets

9. DI Reward may be communicated on the Binance Platform in APR, and begin to accrue on the latter of:

a. the day after you Subscribe; or 

b. where you have instructed Binance to Auto-Compound your Dual Investment, from the day you Subscribe to the Future Transaction.

10. Distribution of DI Rewards and Deposit Digital Assets to your Spot Account on Settlement Date is calculated as follows:

a. For Sell High Dual Investment if the Target Price is Reached:

(Subscription Amount Target Price) [1 + (APR% * Deposit Days / 365) 

Sell High Dual Investment for Stablecoins

You Subscribe to a Sell High Dual Investment with 1 ABC in Deposit Digital Assets. ABC is the Deposit Currency and USDT is the Alternative Currency. The Target Price is 50 ABC/USDT (50 USDT of ABC). The APR is 20%.  The number of  Deposit Days is 5 days. 

On Settlement Date, the Settlement  Price for ABC is 51 ABC/USDT (51 USDT of ABC). This means that the Target Price has been Reached. Consequently, DI Reward and Deposit Digital Assets are distributed to your Spot Account in Alternative Currency as follows: 

(1 ABC 50 ABC/USDT (50 USDT of ABC)) [1+(20% * 5 days/365)] = 50.1369 USDT.

Sell High Dual Investment for Cryptocurrency

You Subscribe to a Sell High Dual Investment with 1 ABC in Deposited Digital Assets. ABC is the Deposit Currency and XYZ is the Alternative Currency. The Target Price is 0.5 ABC/XYZ (0.5 XYX of ABC). The APR is 20%. The number of Deposit Days is 5 days. 

On the Settlement Date, the Settlement Price for ABC is 0.51 ABC/XYZ (0.51 XYX of ABC). This means that the Target Price has been Reached. Consequently, DI Reward and Deposited Digital Assets are distributed to your Spot Account in Alternative Currency as follows: 


( 1 ABC * 0.5 ABC/XYZ (0.5 XYX of ABC)) * [ 1 + ( 20% * 5 days / 365 )] = 0.501369 XYZ.

b. For Buy Low Dual Investment if the Target Price is Reached:

(Subscription Amount / Target Price) [1 + (APR% Deposit Days / 365)]

Buy Low Dual Investment using Stablecoins

You Subscribe to a Buy Low Dual Investment with 100 USDT in Deposited Digital Assets. USDT is the Deposit Currency and DEF is the Alternative Currency. The Target Price is 50 DEF/USDT (50 USDT of DEF). The APR is 20%. The number of Deposit Days is 5 days. 

On the Settlement Date, the Settlement Price for BCD is 49 DEF/USDT (49 USDT of DEF). This means that the Target Price has been Reached. Consequently, DI Reward and Deposited Digital Assets are distributed to your Spot Account in Alternative Currency as follows: 

( 100 USDT / $50 DEF/USDT  (50 USDT of DEF)) * [ 1 + ( 20% * 5 days / 365 ) ] = 2.0055 DEF.

Buy Low Dual Investment using Cryptocurrency

You Subscribe to a Buy Low Dual Investment with 100 BCD in Deposited Digital Assets. BCD is the Deposit Currency and DEF is the Alternative Currency. The Target Price is 50 DEF/BCD (50 BCD of DEF). The APR is 20%. The number of Deposit Days is 5 days. 

On the Settlement Date, the Settlement Price for BCD is 49 DEF/BCD (49 BCD of DEC). This means that the Target Price has been Reached. Consequently, DI Reward and Deposited Digital Assets are distributed to your Spot Account in Alternative Currency as follows: 

( 100 BCD / 50 DEF/BCD ) * [ 1 + ( 20% * 5 days / 365 ) ] = 2.0055 DEF.

c. For Dual Investment if the Target Price is not Reached:

Subscription Amount [1 + (APR% Deposit Days / 365)]

Sell High Dual Investment

You Subscribe to a Sell High Dual Investment with 1 GHI in Deposited Digital Assets. GHI is the Deposit Currency and JKL is the Alternative Currency. The Target Price is 0.5 GHI/JKL (0.5 JKL of GHI). The APR is 20%. The number of Deposit Days is 5 days. 

On the Settlement Date, the Settlement Price for GHI is 0.49 GHI/JKL (0.49 JKL of GHI). This means that the Target Price has not been Reached. Consequently, DI Reward and Deposited Digital Assets are distributed to your Spot Account in Deposit Currency as follows: 

1 GHI * [ 1 + ( 20% * 5 days / 365 ) ] = 1.0027 GHI.

Buy Low Dual Investment

You Subscribe to a Buy Low Dual Investment with 1 GHI in Deposited Digital Assets. GHI is the Deposit Currency and JKL is the Alternative Currency. The Target Price is 50 GHI/JKL (50 JKL Of GHI). The APR is 20%. The number of Deposit Days is 5 days.

On the Settlement Date, the Settlement Price for GHI is 51 GHI/JKL (51 JKL of GHI). This means that the Target Price has not been Reached. Consequently, DI Reward and Deposited Digital Assets are distributed to your Spot Account in Deposit Currency as follows: 

1 GHI * [ 1 + ( 20% * 5 days / 365 ) ] = 1.0027 GHI.

11. These examples are intended to illustrate how Dual Investment operates. They are not intended to give any representation of the performance of particular Digital Assets. Nor are they intended to give any representation about the volatility of particular Digital Assets or the Digital Asset markets in general. The Digital Assets used in the examples are completely fictional.

E. Auto-Compound Instructions

12. Where available you may elect to Instruct Binance to, at the Settlement Date of your Dual Investment, automatically Subscribe to a New Transaction with the proceeds of your Current Transaction, for an Additional Term (“Auto-Compound”).

13. Where there is an Auto-Compound, the Current Transaction will be closed at the Settlement Date, and a Future Transaction will be entered into with Binance, with a New Settlement Date. 

14. Before we act on your instructions to Auto-Compound, where available you must decide which of kind of Auto-Compound you want us to undertake:

    a. Basic Auto-Compound:

i. for Buy Low Dual Investment, the Target Price for the Future Transaction will be set at an amount equal to the Spot Price at Settlement Date minus the Distance; 

ii. for Sell High Dual Investment, the Target Price for the Future Transaction will be set at an amount equal to the Spot Price at Settlement Date plus the Distance; and

iii. if your Dual Investment Target Price is Reached, we will no longer Auto-Compound your Dual Investment.

    b. Advanced Auto-Compound:

iv. for Buy Low Dual Investment, the Target Price for the Future Transaction will be set at an amount equal to the Spot Price at Settlement Date minus the Distance;

v. for Sell High Dual Investment, the Target Price for the Future Transaction will be set at an amount equal to the Spot Price at Settlement Date plus the Distance; 

vi. if your Buy Low Investment Target Price is Reached, the Future Transaction will be changed to a Sell High Dual Investment. The Target Price for the Future Transaction will be set at an amount equal to the Spot Price at the Settlement Date plus the Distance; and

vii. if your Sell High Dual Investment Target Price is Reached, the Future Transaction will be changed to a Buy Low Dual Investment. The Target Price for the Future Transaction will be set at an amount equal to the Spot Price at the Settlement Date minus the Distance.

15. Binance will provide you with a means to instruct us, on the Binance website or the Binance mobile app. 

16. Binance may change the Distance from time to time. Changes to the Distance will be displayed on the Binance Platform and will change the Distance that applies to Future Transactions. Binance will publish any change to the Distance on the Dual Investment on the Binance Platform at least 5 days before those changes come into effect.

F. Changing Your Auto-Compound Instructions

17. You can amend your Auto-Compound instructions at any time up until 07:30 (UTC) on the Settlement Date of the Current Transaction. You can:

a. opt out by switching off the Auto-Compound toggle button on the Binance website; and

b. change between Basic Auto-Compound and Advanced Auto-Compound for a Dual Investment.

18. You acknowledge that it is your responsibility to make yourself aware of the next Settlement Date for a Current Transaction, or New Settlement Date for a Future Transaction, as the case may be.

19. Binance reserves the right to refuse to Auto-Compound a Current Transaction or Future Transaction, despite any instruction you have given it.

G. General

20. All terms and references used in these DI Terms and which are defined and construed in the Binance Terms of Use (the “Terms of Use”), but are not defined or construed in these Terms, shall have the same meaning and construction in the Terms of Use.

21. The DI Terms are to be read together with the Terms of Use. In the event of any conflict or inconsistency between the DI Terms and/or Terms of Use, the order of precedence in which the documents are to be read is first the DI Terms and then the Terms of Use.

22. Where any discrepancy arises between the translated versions of these DI Terms and the original English version of these DI Terms, the English version shall prevail.

H. Definitions

Additional Term means the number of days between when you subscribed to your Current Transaction and the Settlement Date of the Current Transaction.

Alternative Currency means the type of Digital Asset (e.g. Bitcoin) that you agreed to exchange for your Deposit Digital Assets if your Dual Investment Target Price is Reached.

APR means Annual Percentage Rate calculated as follows:

DI Reward/Deposit Digital Assets * 365 / Deposit Days

Auto-Compound has the meaning given to it in paragraph 12.

Buy Low Dual Investment means a Dual Investment product where:

Current Transaction means a Dual Investment transaction entered into between you and Binance, together with any rewards, interest, or other payments made by Binance to you as a result of that transaction.

Deposit Currency means the type of Digital Asset (e.g. Bitcoin)  you deposited when entering into a Dual Investment.

Deposit Days means the number of days in which you accrue DI Reward in accordance with these DI Terms

Deposited Digital Asset means the Digital Assets you deposited with Binance when entering into a Dual Investment.

DI Reward means the amount that Binance agrees to pay you at the Settlement Date, either in the Deposit Currency, or an equivalent amount in the Alternative Currency converted at the Target Price, on the Settlement Date. 

DI Terms means these Dual Investment Auto-Compound Terms & Conditions.

Distance means the percentage difference set by Binance from time to time, in accordance with these Terms, between Spot Price at the Settlement Date and the Target Price for a Future Transaction.

Dual Investment means the Buy Low Dual Investment or Sell High Dual Investment entered into between you and Binance.

Future Transaction means a Dual Investment transaction arising as a result of a Current Transaction Auto-Compound, together with any rewards, interest, or other payments made by Binance to you as a result of that transaction.

New Settlement Date means the Settlement Date of a Future Transaction.

Reached means, in relation to:

    a. Buy Low Dual Investment that the Settlement Price is equal to or lower than the Target Price at the Settlement Date; and 

    b. Sell High Dual Investment that the Settlement Price is equal to or greater than the Target Price at the Settlement Date.

Sell High Dual Investment means the Dual Investment described in cl 5.

Settlement Date means the 08:00 UTC on the day your Dual Investment ends.

Settlement Price means the market price average of a Digital Asset in the 30 minutes before the Settlement Date, as determined by Binance.

Spot Price means the current market price of a Digital Asset, as determined by Binance.

Subscribe means entering into a Dual Investment Transaction with Binance.

Target Price means a set price at which you agree to exchange an Alternative Currency with your Deposited Digital Assets.