SuperEx Guide: Q&A related to SuperEx financial management services

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What is SuperEx investing?

SuperEx Wealth Management is a digital asset management platform built by the SuperEx platform. Users can deposit surplus funds into specific wealth management products to earn interest income and generate profits beyond trading. While creating a safer and more trustworthy platform for users, SuperEx provides users with a wide range of asset management options to mitigate the risks of market volatility.

What is flexible investment?

SuperEx’s Flexible Investment product is one of its investment options. Users can redeem their investment at any time after purchase, with no fixed term. It features the characteristic of allowing users to deposit and withdraw funds at any time.

What is regular financial planning?

Fixed-term investments are one of SuperEx’s investment products. After subscribing, users have a fixed term at which they can redeem their principal in a lump sum, provided they do not redeem early. Generally, fixed-term investments offer higher returns than current account investments.

When will the funds arrive after I apply for redemption?

Once the redemption process is complete, the assets in your current account will be immediately returned to your spot account. For fixed-term products, your principal will be automatically redeemed to your spot account at 0:00 (UTC +8) the day after the last interest payment. If there are a large number of redemption requests, the redemption may be temporarily delayed; please wait patiently for the system to complete the redemption process.

How is interest calculated for flexible investment products?

Interest on current account wealth management is calculated on a T+1 minute basis and disbursed on a T+1 full hour basis.

For example: A user subscribes to 100 BTC in a flexible account at 13:05:34, and the 100 BTC becomes effective. The current APR (Average Return Rate) is 10%. Interest accrual will begin at 13:06:00, and the first interest payment will occur at 14:00:00. The total interest paid will be ∑(interest from 13:06:00 to 13:59:59) = 54 * 100 * 10% / (365 * 24 * 60) = 0.001027397 BTC. Here, 54 represents the number of valid interest accrual minutes.

How is interest calculated for fixed-term investments?

We offer different yields for fixed-term wealth management products with varying terms. Interest income will be paid out after 00:00 on T+1 day following successful subscription. Daily interest income = Subscription amount * Yield for the corresponding term / 365.

For example: User A subscribes to a 180-day fixed-term wealth management product with 10,000 USDT on September 15th, with an annualized return of 6%. Starting from September 16th, User A’s daily interest income is 10,000 * 6% / 365 = 1.6438 USDT.

Will there be a penalty for early redemption of fixed-term wealth management products?

For designated fixed-term products, you can redeem your assets at any time before maturity. Once confirmed, the redemption process is irreversible. If you redeem early, you may face a reduction in the interest already accrued on the product. The principal you used to subscribe to the fixed-term product will be returned to your spot account at 0:00 (UTC +8) the day after the redemption date. In case of extreme market volatility, network delays, or an excessive number of requests, redemption may be delayed.

How can users earn returns through SuperEx investment?

Generally, users can increase their assets by subscribing to products on SuperEx, based on their own risk tolerance. The basic process is as follows: understand the range of available products, subscribe to/purchase the selected product, accumulate interest, and redeem the proceeds. Click on the details page of different products to view more information.

How can users find more product details?

To view more product details, users can click on “Finance” on the homepage to enter the dedicated wealth management page, where they can browse product introductions and frequently asked questions to learn about product information.