Dual Currency Investment is a high-yield, non-guaranteed investment product offered by Pionex that profits from cryptocurrency price differentials. The unique advantage is knowing your exact yield percentage at the time of purchase. This guide explains Pionex's Dual Currency Investment, covering its mechanism, benefits, limitations, and key considerations when placing orders.
How Dual Currency Investment Works
This product operates similarly to Dual Currency Deposit (DCD) in foreign exchange markets, leveraging exchange rate fluctuations and different settlement currencies to generate profits.
Example Scenario:
When investing in a BTC-USDT Dual Currency Investment:
- If BTC price exceeds the peg price at settlement: You receive USDT (gaining more USDT)
- If BTC price falls below the peg price: You receive BTC (acquiring more BTC)
Unlike traditional investing where you manually buy low and sell high, Dual Currency Investment automates this process by directly returning either currency based on market conditions.
Real-World Case Study
Let's examine actual profit calculations with these parameters:
- ETH spot price: 2,800 USDT
- ETH peg price: 3,000 USDT
- Investment: 2,800 USDT
- Term: 1 day
- APY: 180%
Settlement Outcomes:
When price exceeds peg:
- Yield = 0.4%
- Return = 3,012 USDT
When price below peg:
- Yield = 0.4%
- Return = 1.004 ETH
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Advantages of Pionex Dual Currency Investment
Earn Interest While Waiting for Price Movements
Unlike limit orders that sit idle, Dual Currency Investment generates passive income during the waiting period.
Competitive Interest Rates
Pionex offers superior APY compared to other exchanges:
- Binance: 32.69% APY
- Matrixport: 41.71% APY
- Pionex: 62.49% APY
Limitations to Consider
Fixed Settlement at Peg Price
Whether the price surges above or falls below the peg, settlements always occur at the predetermined rate, potentially limiting gains.
Potential for Losses in Downtrends
If price declines exceed your yield percentage, you may still incur losses despite earning additional coins.
Daily Settlement Timing
Settlements occur at 4 PM UTC+8 daily using average prices across six major exchanges (Bitstamp, Coinbase Pro, Gemini, Kraken, Itbit, LMAX Digital).
How to Purchase Dual Currency Investment
- Access via Pionex App or Web
- Navigate to "Structured Products" → "Dual Currency Investment"
- Select your desired product (BTC, ETH, or stablecoin options)
- Enter investment amount
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Key Features:
- No fees for opening/closing positions
- T+1 day position opening
- Interest accrual begins T+2 days
FAQ Section
What's the difference between Yield Treasure and Dual Currency Investment?
Both follow similar mechanisms, but Yield Treasure only accepts cryptocurrencies (not stablecoins) and offers wider price ranges.
How is the settlement price determined?
The system calculates an average price across six exchanges during the 30-minute window before settlement.
Is there risk of losing principal?
Yes, as a non-guaranteed product, principal value fluctuates with market prices despite earning interest.
Can I withdraw anytime?
Positions are locked until settlement date, with daily settlements allowing flexible reinvestment.
Conclusion
While Dual Currency Investment offers attractive yields, it requires price sensitivity and market understanding. Beginners may consider starting with lower-risk products like:
- Grid Trading
- Infinity Grid Orders
- Spot-Futures Arbitrage
Remember: All crypto investments carry risk—only invest what you can afford to lose.