SuperEx Earn allows users to subscribe to flexible or fixed-term products using digital assets supported by the platform and earn rewards in the same asset according to the applicable rules. These rules apply to the new multi-asset Earn service and are intended to help you understand product selection, subscriptions, holdings, and redemptions.
Before subscribing, please verify the asset, term, applicable annual percentage rate (APR), limits, interest accrual start time, and redemption conditions, and read these rules together with the SuperEx Financial Services Agreement. All times in these rules are UTC+8, and Day T refers to the subscription date. Specific product parameters and order times are subject to the information confirmed when you submit your application.
1. Product Types and Scope
1.1 Flexible Earn: Flexible Earn products have no fixed holding period and allow additional subscriptions as well as full or partial redemptions. The base APR is variable, and actual earnings are calculated using the eligible principal and applicable rate for each accrual period.
1.2 Fixed-Term Earn: Fixed-term products have a specified holding period. The APR for each order is locked when the subscription is confirmed and remains applicable throughout the holding period. Subsequent rate changes for similar products do not affect the locked APR of existing orders.
1.3 Fixed-term products are divided into those that support early redemption and those that do not. Products supporting early redemption must be redeemed in full on a per-order basis and may be subject to earnings adjustments. Products that do not support early redemption do not offer standard early redemption.
1.4 “Non-U Earn” is the business name of the new multi-asset Earn service and does not necessarily exclude USDT. The service to which a product belongs is determined by the source of its order. The legacy USDT Earn service operates independently of the new service, and existing legacy orders remain subject to their original rules.
2. Subscription Rules
2.1 You must log in to your account and meet the eligibility requirements of the relevant product before subscribing. Subscription assets must come from the available balance in your Spot Account. Frozen, reserved, or otherwise unavailable assets cannot be used for subscriptions.
2.2 The subscription amount must be greater than zero, meet the product's minimum subscription amount and asset precision requirements, and not exceed your available balance, remaining individual limit, or the product's remaining total capacity. “Max” represents the maximum amount currently available for subscription.
2.3 Individual limits may vary depending on product settings, VIP level, or applicable exclusive allocations. Previously used capacity must be deducted when making additional subscriptions. The remaining limit displayed on the page is not the original maximum allocation. The amount available for subscription is subject to validation when the application is submitted.
2.4 Before subscribing, you should review the product rules and the SuperEx Financial Services Agreement and confirm the subscription amount, term, APR, relevant times, and maturity handling arrangements. The agreement checkbox is unchecked by default. A subscription application is initiated only after you check the box and submit it.
2.5 “Subscription Pending” or “Subscribing” indicates that the application is still being processed and does not mean that interest accrual has begun. Whether the subscription has been confirmed and when accrual begins should be verified against the processing result and the accrual start time shown in the order.
2.6 “Subscribe More” creates a new subscription request and does not modify the term, interest rate, or maturity date of an existing fixed-term order. Closing a subscription pop-up before submission does not create an order. An application already submitted is not automatically canceled when the page is closed.
3. Flexible Earn Interest Accrual and Distribution
3.1 Once a flexible subscription is successful and the assets become effective, interest begins accruing from the next full minute. For example, if a valid subscription is completed at 13:05:34, accrual begins at 13:06:00.
3.2 Base earnings per minute = Eligible principal for that minute × Applicable base APR for that minute ÷ (365 × 24 × 60). APR is expressed as a decimal in the formula; for example, 10% is entered as 0.10.
3.3 Flexible Earn interest accumulates every minute and is settled and distributed on the hour for earnings accrued during the preceding hour that have not yet been settled. If the rate or principal changes during that period, earnings must be calculated separately for the relevant intervals. The rate applicable at the end of the period must not be applied retroactively to the entire period.
3.4 For example, assume a valid subscription of 1 BTC begins accruing interest at 13:06:00, the base APR remains at 10%, and there are no promotional bonuses or changes in principal. The first interest distribution at 14:00:00 covers 54 accrual minutes, resulting in base earnings of approximately 0.000010273973 BTC. This example is for illustrating the formula only. Actual credits are subject to the product's settlement precision.
3.5 Flexible Earn interest is credited to the Earn Interest Balance and recorded separately from principal. Distributed interest does not automatically become additional interest-bearing principal merely because it remains in the Earn Account.
3.6 Earnings distributed at 00:00 on the following day but attributable to the previous day are included in the previous business day's earnings statistics. The crediting time and earnings attribution date may differ.
4. Flexible Earn Promotions and Bonus Earnings
4.1 Certain flexible products offer limited-time bonus APR promotions. Whether a promotion is active, its eligibility requirements, remaining participation slots, individual bonus allocation, and end time are subject to the relevant promotional terms.
4.2 Once eligibility has been obtained under the promotional requirements, eligible holdings within the promotional allocation earn interest at the combined “Base APR + Bonus APR.” Eligible holdings exceeding the promotional allocation earn interest at the base APR only. Product subscription limits and promotional bonus allocations are separate restrictions.
4.3 Total earnings per minute during a promotion = Eligible interest-bearing principal × Base APR ÷ (365 × 24 × 60) + Bonus-eligible principal × Bonus APR ÷ (365 × 24 × 60). Bonus-eligible principal must not exceed the individual's promotional allocation.
4.4 For example, if you hold 200 units of an asset, the bonus allocation is 100 units, the base APR is 1%, and the bonus APR is 5%, then 100 units earn a combined APR of 6%, while the remaining 100 units earn 1%. The entire 200 units cannot be calculated at 6%.
4.5 If all promotional slots are filled, you have not obtained eligibility, or you do not meet the promotional conditions, a higher APR displayed in the product list does not mean that all your holdings qualify for the bonus. If the subscription page indicates that only the base APR is available, please review the information before deciding whether to proceed.
4.6 Once a promotion ends, bonus earnings stop accruing, and holdings continue earning interest at the then-applicable base APR. Earnings that were previously accrued while eligible are processed according to the applicable settlement arrangements.
5. Flexible Earn Redemption
5.1 Flexible Earn supports partial and full redemptions. The redemption amount must be greater than zero, must not exceed the currently redeemable balance, and must meet the asset precision requirements. “All” fills in the currently redeemable balance.
5.2 In the redemption pop-up, verify the amount, redeemable balance, and estimated crediting information, then check the agreement box and submit. After redemption is confirmed, you will be directed to the processing result page without an additional confirmation pop-up.
5.3 For the redeemed portion, interest accrues through the end of the minute preceding the effective redemption minute. No interest is earned during the minute in which redemption takes effect. For example, if redemption takes effect at 13:23:35, the corresponding principal earns interest through 13:22:59. The remaining eligible principal continues accruing interest.
5.4 Earnings accrued but not yet distributed before redemption are settled at a subsequent hourly settlement according to the applicable rules. Principal repayment and interest distribution are processed separately. Redeeming principal does not automatically transfer all available interest.
5.5 Under normal circumstances, redeemed flexible principal is expected to return to the Spot Account within 5 minutes after the request is submitted. High volumes of simultaneous redemptions, system issues, network abnormalities, or similar circumstances may cause delays. Actual progress can be checked in the redemption records.
5.6 “Redemption Confirmed” only indicates that the application has been accepted. The relevant assets are considered returned only when the status shows “Redeemed” and the corresponding funds have actually been credited to the account. While processing is ongoing, please do not submit duplicate redemption requests for the same amount.
6. Fixed-Term Interest Accrual and Normal Maturity
6.1 Fixed-term subscriptions are subject to a daily cutoff time of 16:00. For a valid subscription completed before 16:00 on Day T, Day T is the first interest accrual day, and the first interest payment is made at 00:00 on Day T+1. For a valid subscription completed at or after 16:00 on Day T, Day T+1 is the first interest accrual day, and the first interest payment is made at 00:00 on Day T+2.
6.2 Daily earnings = Eligible principal of the order × APR locked at subscription ÷ 365. Earnings accrue over the agreed number of eligible interest accrual days and are settled at 00:00 each day for the preceding accrual day. Earnings are not automatically compounded into the principal.
6.3 For example, if the eligible principal is 1 BTC and the locked APR is 10%, earnings for a full interest accrual day are approximately 0.000273972603 BTC. Actual credited amounts are subject to the product's settlement precision. The example rate does not represent the current rate of any product.
6.4 Fixed-term earnings are credited to the Earn Interest Balance and recorded in the original asset. Each new fixed-term subscription order is calculated independently. Multiple holdings of the same asset do not result in the merging of terms or recalculation of the interest rates of existing orders.
6.5 Upon normal maturity of a fixed-term product, the principal is returned to the Spot Account according to the crediting time specified in the order. If automatic subscription to Flexible Earn upon maturity is disabled, the principal will be automatically redeemed to the Spot Account. If this feature is enabled, the principal will be automatically used to subscribe to the corresponding Flexible Earn product for the same asset, as described in Section 8. The maturity time, final interest payment time, and principal crediting time are separate concepts and should be checked individually.
6.6 The principal amount, accumulated earnings, maturity time, crediting time, and automatic subscription status shown in the holdings details should be used to verify the actual arrangements for the order. The rights associated with historical orders must not be recalculated solely on the basis of the terms or rates currently displayed in the product list.
7. Fixed-Term Early Redemption
7.1 For fixed-term products that support early redemption, users may initiate redemption from the holdings details before maturity. Fixed-term redemption is processed for the entire corresponding order, and partial redemption amounts cannot be entered.
7.2 The fixed-term redemption confirmation pop-up displays the redemption amount, accumulated earnings, redemption time, and crediting time. These fields are read-only. Clicking “Confirm” submits the request, while closing the pop-up does not submit it. Once the request is confirmed and accepted, it generally cannot be withdrawn.
7.3 Early redemption may trigger an earnings adjustment, reducing the fixed-term earnings already received. Accumulated earnings do not necessarily equal the earnings ultimately retained after early redemption. The availability of early redemption does not mean that all fixed-term earnings may be retained unconditionally.
7.4 Whether an earnings adjustment applies, the basis for recalculation, and the method of recovery are governed by the relevant product rules clearly disclosed at the time of subscription. If an amount is deducted, the calculation basis, adjustment amount, and account from which it is recovered must be clearly specified and reflected in the earnings records. It must not be assumed that all products require the recovery of all interest.
7.5 Once an early redemption request is accepted, the holding enters the “Redeeming” status, and duplicate redemption requests are not permitted. The actual cessation of interest accrual, final earnings settlement, and principal crediting are governed by the order's processing result and confirmed rules. The fact that the principal remains displayed in the account does not, by itself, mean that interest continues to accrue.
7.6 For fixed-term products supporting early redemption, the estimated crediting time after early redemption is determined by the redemption confirmation information and the corresponding order. There is no uniform commitment that funds will arrive the next day or within a fixed number of days. Acceptance of the request and crediting of funds are recorded separately. In the event of a delay, please check the latest status or contact official customer support.
7.7 For fixed-term products that do not support early redemption, the holdings details provide only the “Subscribe More” option where eligible and do not provide a standard redemption entry point. Upon normal maturity, settlement is carried out according to the order rules.
8. Automatic Subscription to Flexible Earn Upon Maturity
8.1 When subscribing to a fixed-term product, users may choose whether to enable automatic subscription to Flexible Earn upon maturity. Please actively verify this option before submission. Accepting the Financial Services Agreement does not, by itself, enable automatic subscription.
8.2 When automatic subscription to Flexible Earn upon maturity is enabled, the corresponding principal will be automatically subscribed to a Flexible Earn product for the same asset in accordance with the product rules once the fixed-term product reaches normal maturity and the settlement conditions are met. This feature does not constitute renewal of the original fixed-term product for another term, nor does it mean that both principal and all earnings are automatically reinvested.
8.3 Automatic subscription uses only the corresponding principal. Earnings generated during the fixed-term period remain recorded separately under the applicable earnings rules and are not automatically included in the principal of the new Flexible Earn subscription.
8.4 Once the automatic subscription is established, a new Flexible Earn subscription record is created. The new subscription is subject to the Flexible Earn interest accrual rules, the base APR applicable at that time, and the relevant promotional conditions. The original fixed-term APR does not carry over to the Flexible Earn product, and eligibility for promotional bonus earnings is not guaranteed.
8.5 If automatic subscription is not enabled, the principal is returned to the Spot Account according to the original order terms. If automatic subscription cannot be executed because the product is unavailable, capacity is insufficient, account restrictions apply, or for other reasons, the matured principal must be handled according to the original product arrangements, and a processing result must be available for inquiry. If automatic subscription fails, the specific handling of the principal and its crediting time are subject to the corresponding product rules and order processing result.
8.6 The automatic subscription status can be viewed in the holdings details. The Web version currently does not provide an independent option to modify this status within the holdings page. To learn about available modification channels and applicable deadlines, please contact official customer support.
9. Account and Record Inquiries
9.1 The Earn Account separately displays asset valuation, yesterday's earnings, cumulative earnings, and available interest. Cumulative earnings represent historical net earnings, while available interest represents the balance currently available for withdrawal. These figures should not be treated as interchangeable.
9.2 Transferring earnings out does not reduce historical cumulative earnings. Earnings adjustments affect net earnings statistics. Interest that has been transferred out, frozen, or reserved is no longer included in currently available interest.
9.3 Fiat currency, USDT, or BTC equivalent values are displayed for reference only. Changing the valuation unit does not convert the actual assets. The specific assets and amounts available for withdrawal should be checked against the corresponding asset balances.
9.4 Earn order records are categorized into earnings, subscriptions, and redemptions. Earnings records include Flexible Earn earnings, Fixed-Term Earn earnings, earnings adjustments, and earnings transfers. Redemption records distinguish between “Redemption Failed,” “Redeeming,” and “Redeemed.”
9.5 Records for the new and legacy Earn services are queried separately. The new order page provides an entry point to legacy records. Orders from the legacy service are not combined with new-service orders merely because they involve the same asset.
9.6 The display precision of amounts on the page does not change actual asset entitlements. Original-asset amounts in records are displayed with up to 12 decimal places. Amounts not fully displayed due to precision limits should not be assumed to be zero.
10. Earnings Estimates and Exception Handling
10.1 The earnings calculator is intended to help users understand potential earnings and does not execute subscriptions. Estimated earnings over three years = Input amount × Base APR × 3. The calculation uses simple interest and excludes promotional rate increases and other additional rewards.
10.2 A three-year estimate does not mean that the actual term of a fixed-term product is three years, that rates will remain unchanged for the next three years, or that the product will automatically renew. When making an actual subscription, users must recheck the amount, balance, limits, and applicable product conditions.
10.3 If a timeout occurs or the result is unknown after submitting a subscription or redemption request, please check the order processing result before submitting again to avoid duplicate requests. If page notifications, account balances, and records are inconsistent, retain the order information and contact official customer support for verification.
10.4 If a product is suspended or delisted, whether further subscriptions are permitted and how existing holdings are handled are determined by the relevant product notice and order terms. The suspension of new subscriptions does not, by itself, extinguish the rights associated with existing orders.
10.5 Digital asset prices, rates of return, and liquidity may change. Earnings estimates and historical performance do not constitute a guarantee of principal protection or returns. The quantity of principal returned and its fiat currency value are also distinct concepts.