Question 1

What is XRWU? Where does the yield come from?

Accepted Answer

XRWU is a flexible, principal-protected product. After subscribing with stablecoins, you receive the yield certificate token XRWU; holding XRWU earns daily-compounded yield paid in XRWU. XRWU is pegged 1:1 to USDC. Yield is generated through XT operations, including but not limited to investments in real-world assets such as tokenized US Treasuries. The APR is determined by XT based on market performance and operational factors.

Question 2

XRWU Product Rules

Accepted Answer

You can subscribe to XRWU anytime with USDT/USDC. Upon successful subscription, you receive the corresponding amount of XRWU at the exchange rate. Interest starts accruing on the next day (Day T+1, UTC). Beginning Day T+2 (UTC), the previous day’s interest is distributed daily. The interest mode is Compounded Daily, with daily interest paid in XRWU to your Spot account, enabling compound growth. XRWU is a flexible product with no fixed term; you may redeem at any time. Redemptions are returned in USDC with fees of 0.1% (Fast Redeem) and 0.05% (Standard Redeem). Fast Redemption credits funds to Spot account immediately; Standard Redemption credits on Day T+3 (UTC). No yield accrues during the redemption process.

Question 3

How is daily yield calculated for XRWU?

Accepted Answer

XRWU’s daily yield is not fixed; it adjusts dynamically with market performance and operations. Any reference yield is an estimate only and not a commitment—please refer to the actual daily settled yield. The system snapshots your XRWU balance hourly and uses the day’s minimum snapshot balance to calculate yield. User's Daily Yield = Current Day Min XRWU Holdings * Current Day Actual APR / 365.

Question 4

What are the risks of XRWU?

Accepted Answer

Like any investment product, XRWU is exposed to risks such as market fluctuations and changes in the APR. While principal is not affected by market volatility, exchange-rate movements and redemption fees may reduce total returns. The platform reserves the right to adjust redemption fees, please confirm details before subscribing or redeeming. In addition, XRWU subscriptions, redemptions, and yields may be affected by changes in laws, regulations, and supervisory policies across jurisdictions.

Question 5

How can I subscribe to Earn products?

Accepted Answer

To subscribe to Earn products, users need to ensure that their Spot account has sufficient balance in the corresponding coin. Then, on the product details page, users can enter the subscription amount and click Subscribe to complete the purchase. After successful subscription, the subscription amount will be deducted from the user's Spot account and converted into corresponding holding positions in the Earn account, while the fund records can be viewed in the Spot account.

Question 6

How are the Earn profits distributed?

Accepted Answer

The distribution time of profits varies for different Earn products. Some products distribute interest daily, while others distribute interest upon maturity. Please refer to the specific product details page. Once the profits are credited, users can view the credited amount and fund records in their Spot account. If you do not receive your Earn profits in a timely manner, please contact customer service for assistance.

Question 7

How can I redeem Earn products?

Accepted Answer

The redemption rules vary for different Earn products. Some support manual early redemption, while others can only be automatically redeemed upon maturity. Please check the specific product rules. If the product supports early redemption, users can click Redeem under the product positions in the Earn account, enter the redemption amount, and submit it after confirmation. The redemption time varies for different Earn products. Once the redemption is credited, users can view the credited amount and fund records in their Spot account.

Question 8

How can I view Earn product positions, Earn orders and fund records?

Accepted Answer

Users can view all currently held positions of Earn products in the Earn account. By clicking Earn Orders on the Earn account page, users can view historical orders related to product subscriptions, interest distributions, redemptions, etc. Fund records can be viewed in the Spot account with type of Earn selected, users can see all records related to Earn, including subscriptions, interest distributions, and redemptions, etc.

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