How do you use a BiyaPay wealth management interest rate coupon? How can users who already have one apply it when subscribing?

The account already has an eligible wealth management interest rate coupon, and the user has independently decided to participate in the corresponding product. The next questions are specific: How can the coupon be applied to this subscription, which portion of the assets does it apply to, and when does the calculation begin under the rules?

The BiyaPay Wealth Management Agreement provides specific details about this feature. The interest rate coupon must be used when subscribing to a wealth management product, and rules apply regarding eligible products, the validity period, and the quota. It is an additional arrangement for a specific subscription, not something that automatically changes all assets simply because an account holds a coupon.

For users who already have a coupon, the practical need is to link it to an eligible subscription. Only after this step is completed can the corresponding benefit already available in the account be used.

Start with a product subscription you have already decided to make

BiyaPay’s official subscription guide provides two entry points: the Wealth feature on the app’s home page and the financial products page under the Wealth menu at the top of the website. Start your subscription from the relevant entry point, then apply an eligible coupon you already have if the current page offers the option, following the product’s actual process.

The key is to use the coupon as part of this subscription. Holding a coupon after subscribing does not mean it was successfully applied to a transaction that has already taken place. The official agreement explicitly requires coupons to be used at the time of subscription, so apply it as part of the current subscription.

For example, a user has selected a product that is currently open for subscription and holds a coupon that applies to it. The task is to apply the eligible coupon to this transaction through the relevant subscription process—not to change an existing asset plan just to use a coupon.

What do the usage deadline and the period after a coupon takes effect each determine?

The agreement distinguishes between when a coupon must be used by and how long it applies after being used. The former determines whether the coupon can be applied to this transaction; the latter concerns the period during which it applies after being used.

For users who already have a coupon, both timelines directly affect how it is used. An unused coupon is subject to its usage deadline; a coupon used with a subscription is subject to the relevant effective-date and duration rules. These should not be conflated as “the coupon can be used indefinitely as long as it remains in the account.”

The agreement also states that an interest-boost coupon takes effect on T+1 and that the number of days it actually applies for is calculated accordingly. Refer to the current coupon details and product agreement for the specific timing; do not assume that the day you submit your subscription counts as a full day of additional interest.

Can the same coupon be used more than once?

Under the BiyaPay agreement, each coupon can only be used once. Only one coupon can be effective for the same product at a time, and multiple coupons cannot be stacked on a single subscription.

This setup defines how a coupon is used for a specific transaction. Apply the eligible coupon you choose for this subscription according to its terms. Having several coupons at the same time does not mean they can all be applied to the same subscription.

The practical value of an existing coupon lies in using it once in an eligible transaction. Adding together the number of multiple coupons or repeatedly applying one coupon to different subscriptions is not how the agreement describes their use.

How does the limit affect this subscription?

If a coupon has an applicable amount limit, any amount above that limit does not receive the corresponding interest boost. This means the subscription amount and the amount to which the coupon applies may differ, and should be understood separately according to the actual terms.

For example, if only part of a subscription amount falls within a coupon’s applicable range, the additional calculation applies only to the eligible portion. This example illustrates how the transaction works; it does not set a participation amount or mean that readers should increase their subscriptions to match the limit.

BiyaPay provides a way to link a product subscription with existing interest-boost benefits. For users who already have an eligible coupon and have confirmed that they want to participate, this allows the coupon to be used in the relevant transaction rather than merely appearing in the account.

Why explain the usage process in detail?

Whether a coupon can be applied depends on actual conditions such as product eligibility, submission timing, and amount limits. The user is making a subscription with an applicable coupon, not simply saving the coupon information. The feature makes it easier to connect an existing benefit to an actual transaction.

The product still carries its own risks. A coupon does not change the asset’s risk, and displayed returns should not be treated as guaranteed outcomes. The decision to subscribe rests with the user. Do not assume that a product or coupon is available if it is not offered in the current account.