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Earn Treasure FAQs
28/08/2025 07:42:30
What is Bifu Earn Treasure?
Bifu Earn Treasure is a crypto asset appreciation service that supports mainstream currencies such as USDT, BTC, and ETH. Users can choose to participate in flexible or fixed-term Earn Treasure products to earn returns while maintaining a certain level of liquidity.
What is the difference between flexible and fixed-term products?
- Flexible products support deposits and redemptions at any time, offering high fund flexibility. Earnings begin calculating one hour after a deposit and are distributed hourly, making them suitable for short-term fund management.
- Fixed-term products require assets to be locked up until the product matures. The yield is locked in at the time of subscription and is typically higher than that of flexible products, making them suitable for medium- to long-term holdings.
How do I start using Earn Treasure?
Enter the [Finance] module on Bifu, select the cryptocurrency you want to manage, and browse the flexible or fixed-term products to understand their returns and rules. After checking and confirming the "User Agreement for Earn Treasure," you can subscribe.
What are subscription and redemption?
Subscription is when a user transfers assets from their spot account to the Earn Treasure account, which is considered a product purchase. Flexible products typically start accruing interest one hour after subscription, while fixed-term products are locked up until maturity.
Redemption is the process of withdrawing funds from your Earn Treasure account back to your spot account. Flexible products can be redeemed at any time, while fixed-term products will automatically return the principal and interest upon maturity.
When does the return calculation begin?
For flexible products, interest calculation begins one hour after subscription, and the system automatically starts calculating returns and distributing them to your Earn Treasure account on a periodic basis. For fixed-term products, interest accrues immediately after lock-up, and returns are settled all at once upon maturity.
Is the Annual Percentage Yield (APY) fixed?
Flexible products use a real-time APY mechanism, where the yield may change hourly. Fixed-term products use a tiered APY structure; the higher the subscription amount, the higher the potential yield, which is locked in at the time of subscription.
Can I redeem fixed-term products early?
Some fixed-term products support early redemption, but you may not receive the full returns or may not earn any returns at all. Please refer to the product page for specific details.
When will the funds arrive after redemption?
For flexible products, assets will be returned to your wallet immediately or on the same day after the redemption is completed. In cases of concentrated redemptions or extreme market conditions, there might be delays, but the funds will be returned as soon as liquidity is restored.
What are my subscribed funds used for?
The assets in Earn Treasure may be used for other financial purposes within the platform, such as providing funds to margin trading users or participating in staking-based Earn Treasure. The platform uses risk control mechanisms to ensure overall fund liquidity and security.
Are Earn Treasure products principal-guaranteed?
No. Earn Treasure is a non-principal-guaranteed financial product. Although the platform has risk control mechanisms, users may still experience a reduction in principal or returns due to market fluctuations, liquidity risks, or early redemption.
Do I need to sign a protocol to use Earn Treasure?
Yes, before your first subscription, you need to read and agree to the "User Agreement for Earn Treasure" provided by the platform. This protocol includes terms on return descriptions, subscription and redemption rules, asset usage, and user rights and responsibilities.
Can I use Earn Treasure if I don't plan to trade?
Absolutely. If you temporarily don't want to engage in spot or futures trading but wish to improve the efficiency of your held assets, Earn Treasure is a low-barrier way to grow your crypto assets.
How can I view my returns and holdings?
You can view your current holdings, cumulative returns, and subscription and redemption status in the [Finance] module. You can also see the overall distribution of your Earn Treasure products in the [Assets Overview].
Risk Disclaimer
Bifu Earn Treasure incorporates platform risk control mechanisms and strategy configurations to protect user assets. However, the platform does not provide any guarantees for the principal or earnings. Please fully understand the product mechanism before use and make cautious decisions based on your own risk tolerance.