I. Overview of the Yield Structure
Smart Yield adopts a dual-layer yield structure, designed with a capital-protection-oriented and risk-controlled approach.
Returns are generated from the following two components only:
Periodic Fixed Returns (distributed weekly)
Maturity Returns (settled only when the cycle is profitable)
The platform does not participate in any investment profit sharing.
If a cycle does not achieve overall profitability, no maturity return will be generated, and the pUSD loss compensation mechanism will be activated in accordance with platform rules.
II. Product Cycles & Fixed Return Rules
Available Product Cycles (Updated)
Product Cycle | Weekly Fixed Rate |
7 Days | 0.1% |
15 Days | 0.2% |
30 Days | 0.3% |
Fixed Return Description
Fixed returns are settled and distributed on a weekly basis
Not affected by short-term market volatility
Designed to provide users with stable and predictable cash flow
III. Maturity Return Description (Only When Profitable)
Settled in full at the end of the product cycle
Maturity return rate range: 1% – 10%
The actual return rate is determined by the overall trading performance during the cycle
Important Notes:
Maturity returns are generated only when the cycle achieves overall profitability
If the cycle is not profitable, no maturity return will be distributed, and the loss compensation mechanism will apply
IV. Complete Settlement Example (30-Day Cycle)
Example Parameters
Investment amount: 10,000 USDT
Product cycle: 30 days
Weekly fixed rate: 0.3%
Maturity return rate (example): 10%
① Periodic Fixed Returns
Weekly fixed return:
10,000 × 0.3% = 30 USDT30 days ≈ 4 weeks
Total periodic fixed returns:
30 × 4 = 120 USDT
② Maturity Return (Only When Profitable)
Maturity return calculation:
10,000 × 10% = 1,000 USDT
This return is settled only if the cycle achieves overall profitability.
③ Final User Return Summary
Yield Component | Amount |
Periodic Fixed Returns | 120 USDT |
Maturity Returns | 1,000 USDT |
Final asset value:
10,000 + 120 + 1,000 = 11,120 USDT
V. Loss Compensation Mechanism (pUSD)
If an actual loss occurs at the end of the product cycle:
The platform will issue corresponding pUSD compensation according to predefined rules
Users may convert pUSD to USDT through platform-supported tools
This mechanism is designed to reduce downside risk and protect capital participation confidence
VI. Summary of the Yield Model
Fixed returns distributed weekly during the cycle
Maturity returns settled only when profitable
No maturity returns when unprofitable; compensation mechanism applies
No platform participation in investment profits
Transparent rules with clearly verifiable calculations
VII. Product Philosophy
Smart Yield is not a high-risk speculative product.
It is a structured, transparent, and professional asset management solution designed with capital protection and risk control as priorities.
Leave execution to professionals.
Let structure manage risk.
Receive results that are clear, disciplined, and transparent.