Wealth
Maximize your returns with smarter wealth management.
Apex Wealth
QOVZU exclusiveTrack top-tier yields
Fixed Savings
Lock in returns without locking out your margin.
Dual Invest
Buy low and sell high for maximum returns.
Earn interest on stablecoins while powering your margin.
Flexible Savings
Earn passive income on your margin and idle crypto.
FAQ
The four products differ in lock-up period, return structure, and redemption method:
- Fixed Savings: Locks funds for a set term, offers a higher APR, and supports early redemption.
- Dual Invest: A structured product where you set a target price and subscription term. If the target price is reached at maturity, your principal is settled in the other crypto. Early redemption isn't available during the lock-up period.
- Flexible Savings: Held in your trading account with no lock-up period, so you can subscribe and redeem anytime.
- Stable Earn: Hold USDG or USD1 to earn interest automatically. It can be converted to USD for stock trading.
You only need to open a QOVZU account and complete identity verification. None of the four products need to be separately activated or have extra eligibility requirements.
- Flexible Savings: Enable with one click on the Flexible Savings home. Any supported crypto you transfer into your trading account will start earning automatically.
- Stable Earn: Simply hold USDG or USD1 to start earning automatically.
- Fixed Savings: Select a term then subscribe directly.
- Dual Invest: Select your target price and term, then subscribe.
Dual Invest is a structured wealth product. You choose a target price and term to receive enhanced earnings at an agreed APR. At maturity, the crypto your principal is returned in depends on the market price relative to the target price:
- If the target price isn't reached: Principal and earnings are returned in the subscription crypto.
- If the target price is reached: Principal and earnings are returned in the other crypto (converted at the target price).
Compared to Flexible Savings, Fixed Savings, and Stable Earn, Dual Invest offers a higher potential yield, but carries the risk that your principal may be converted into another crypto. It also doesn't support early redemption or use as margin during the lock-up period. It suits users who have a view on price direction and are comfortable with their principal potentially converting to a different crypto.
- Fixed Savings: The APR is locked in at subscription and calculated based on the term and subscription amount, settled at maturity. Longer terms earn higher rates.
- Dual Invest: The APR is agreed at subscription and calculated based on the number of days in the subscription term. At maturity, principal and earnings are settled in the subscription crypto or the other crypto depending on whether the target price is reached.
- Flexible Savings: The APR changes dynamically, updated hourly.
- Stable Earn: Interest starts accruing as soon as you hold the asset. Refer to the product page for the current APR.
Reference APRs for all products change with market conditions. Check each product page for the current rate.
Earnings for all products can be viewed in real time under Assets > Orders > Wealth orders.
- Flexible Savings: Pays out automatically every hour, credited to your trading account.
- Fixed Savings: Pays out at maturity, credited to your funding account.
- Stable Earn: Pays out weekly, credited to the account holding the stablecoin.
- Dual Invest: Earnings are automatically paid out to your funding account after settlement at maturity.
Flexible Savings and Stable Earn support withdrawal anytime with no lock-up period. Some Fixed Savings products support early redemption before maturity. Dual Invest funds enter a lock-up period once subscribed and can't be redeemed early; principal and earnings are automatically deposited into your account at maturity.
Once transferred to your trading account, balances in Flexible Savings, Fixed Savings, and Stable Earn can be used directly as margin for futures and leveraged trading. While in use as margin, funds continue to earn interest as normal. Dual Invest funds can't be used as margin during the lock-up period.
All four products can be used at the same time, with earnings calculated independently for each. Flexible Savings, Fixed Savings, and Stable Earn balances can all be used as trading margin simultaneously, and your available Wealth margin is the sum of these three products' balances. Dual Invest funds can't be used as margin during the lock-up period and aren't included in the combined margin limit.