Dear Users,
To further enhance our asset management ecosystem and provide a better wealth management experience, 100X will officially launch Smart Yield 2.0 on August 15, 2026, at 18:00 (UTC+8).
With this upgrade, Smart Yield will evolve from a traditional earning product into a comprehensive asset management solution supporting multiple assets, including USDT, 100XT, xStocks, and U.S. stock tokens. The upgrade also introduces a redesigned reward model, dynamic distribution mechanism, and optimized product rules, providing users with more diversified asset allocation options and long-term earning opportunities.
Details are as follows:
1. Launch Time
August 15, 2026, 18:00 (UTC+8)
2. Product Upgrade Highlights
This upgrade includes the following improvements:
Support for multiple assets, including USDT, 100XT, xStocks, and U.S. stock tokens.
A brand-new reward model combining Base Rewards + Consensus Rewards + Dynamic Distribution.
A progressive Consensus Reward mechanism designed to encourage long-term participation.
Automatic renewal support for a more convenient asset management experience.
Overall optimization of product performance and capital utilization efficiency.
3. Reward Model
Smart Yield 2.0 rewards consist of the following three components:
(1) Asset Participation
Users can participate in Smart Yield using USDT, 100XT, xStocks, or U.S. stock tokens.
Each asset type has its own reward structure and dynamic reward mechanism. Rewards will be calculated according to the rules of the selected asset.
(2) Base Rewards
After participating in Smart Yield, users will receive Base Rewards and Consensus Rewards.
Static rewards consist of:
Base Rate + Consensus Rate
USDT / 100XT / xStocks
Base Rate: 1%
Consensus Rate: 0.5% (Monthly)
U.S. Stock Tokens
Base Rate: 0.1%
Consensus Rate: 0.5%
To encourage long-term participation, the Consensus Reward follows a progressive model:
The Consensus Rate increases by 0.05% for every renewed 30-day product cycle.
After completing 6 consecutive product cycles, an additional 0.005% Consensus Reward will be added starting from the 7th product cycle.
The longer users participate, the higher their Consensus Reward rate becomes.
(3) Dynamic Distribution
In addition to Base Rewards, users may also receive Dynamic Distribution Rewards.
Depending on the asset used to participate:
USDT: 50% of the dynamic reward is distributed in USDT.
100XT: 50% of the dynamic reward is distributed in 100XT.
xStocks: 50% of the dynamic reward is distributed in xStocks.
U.S. Stock Tokens: 50% of the dynamic reward is distributed in the corresponding U.S. stock token.
4. User Rewards
Asset | Cycle | Fixed Monthly Reward | Consensus Reward | Futures Bonus (U) |
USDT / 100XT / xStocks | 30 Days | 1.5% | +0.05% per renewal; after 6 completed cycles, an additional +0.005% begins from the 7th cycle | 10 |
U.S. Stock Tokens | 30 Days | 0.6% | +0.05% per renewal; after 6 completed cycles, an additional +0.005% begins from the 7th cycle | 10 |
Reward Example 1 – USDT Participation
Participation Details
Asset: USDT
Amount: 10,000 USDT
Product Cycle: 30 Days
Product Cycle | Reward Rate | Reward | Notes |
Month 1 | 1.50% | 150 USDT | Initial participation |
Month 2 | 1.55% | 155 USDT | Consensus Reward +0.05% |
Month 3 | 1.60% | 160 USDT | Consensus Reward continues to increase |
Month 4 | 1.65% | 165 USDT | Consensus Reward continues to increase |
Month 5 | 1.70% | 170 USDT | Consensus Reward continues to increase |
Month 6 | 1.75% | 175 USDT | Completion of the 6th product cycle |
Month 7 | 1.80% + 0.005% | 180.5 USDT | Additional 0.005% begins after completing 6 product cycles |
Notes
Each completed 30-day product cycle with renewal increases the Consensus Reward by 0.05%.
After completing 6 consecutive product cycles, an additional 0.005% is applied starting from the 7th cycle.
Longer participation results in higher long-term rewards.
Reward Example 2 – SPCX Participation
Participation Details
Asset: SPCX
Amount: 10,000 SPCX
Product Cycle: 30 Days
Product Cycle | Reward Rate | Reward | Notes |
Month 1 | 0.60% | 60 SPCX | Initial participation |
Month 2 | 0.65% | 65 SPCX | Consensus Reward +0.05% |
Month 3 | 0.70% | 70 SPCX | Consensus Reward continues to increase |
Month 4 | 0.75% | 75 SPCX | Consensus Reward continues to increase |
Month 5 | 0.80% | 80 SPCX | Consensus Reward continues to increase |
Month 6 | 0.85% | 85 SPCX | Completion of the 6th product cycle |
Month 7 | 0.90% + 0.005% | 90.5 SPCX | Additional 0.005% begins after completing 6 product cycles |
5. Partner Reward Program
Users who meet the corresponding requirements may upgrade to different Partner Levels and enjoy Level Differential Rewards, Direct Referral Rewards, and Futures Bonus Cashback.
(1) Partner Level Benefits
Partner Level | Personal Holdings | Team Volume | Level Differential Reward | Futures Bonus Cashback |
M1 | 1,000 U | 20,000 U | 20% | 0.5% |
M2 | 2,000 U | 40,000 U | 37% | 1% |
M3 | 3,000 U | 60,000 U | 51% | 1.5% |
M4 | 4,000 U | 100,000 U | 63% | 2% |
M5 | 5,000 U | 150,000 U | 73% | 2.5% |
M6 | 10,000 U | 250,000 U | 81% | 3% |
M7 | 20,000 U | 400,000 U | 88% | 4.5% |
M8 | 30,000 U | 600,000 U | 93% | 6% |
M9 | 40,000 U | 800,000 U | 97% | 7.5% |
M10 | 50,000 U | 1,000,000 U | 100% | 10% |
Notes
Partner Levels require both the corresponding Personal Holdings and Team Volume.
xStocks holdings are calculated at 50% of their USDT-equivalent value for Personal Holdings qualification.
If the Personal Holdings requirement is not met, the corresponding Partner benefits will not apply.
Team Volume from multiple Smart Yield assets can be combined.
(2) Dynamic Distribution
Smart Yield 2.0 adopts an Unlimited-Level Differential Reward mechanism.
Rules:
The sponsor’s level must be higher than the downline’s level.
Equal-level partners are automatically skipped.
Unlimited referral depth is supported.
Upline partners only receive the difference between their level percentage and their direct downline’s percentage.
Example 1
User | Partner Level | Relationship |
A | M10 | Sponsor of B |
B | M8 | Sponsor of C |
C | M5 | Sponsor of D |
D | M2 | Sponsor of E |
E | Regular User | Participates in Smart Yield |
Assume E generates 10,000 U of eligible Dynamic Distribution rewards.
User | Level | Calculation | Reward |
D | M2 | 10,000 × 37% | 3,700 U |
C | M5 | 10,000 × (73% − 37%) | 3,600 U |
B | M8 | 10,000 × (93% − 73%) | 2,000 U |
A | M10 | 10,000 × (100% − 93%) | 700 U |
Example 2 – Equal-Level Skip
User | Partner Level | Relationship |
A | M8 | Sponsor of B |
B | M8 | Sponsor of C |
C | M5 | Participates in Smart Yield |
Assume C generates 10,000 U of eligible Dynamic Distribution rewards.
Since A and B are both M8, A is automatically skipped.
User | Level | Reward |
B | M8 | (93% − 73%) × 10,000 = 2,000 U |
A | M8 | Skipped (no reward) |
(3) Direct Referral Rewards
Users may receive Direct Referral Rewards according to platform rules.
Reward Formula
Staked Principal: 2% ÷ 12 × N (Total invested capital N must not exceed 12)
Distribution Rule
Direct Referral Rewards are settled and distributed after the referred user has participated in Smart Yield for one full product cycle (30 days).
6. Redemption & Renewal Rules
(1) Redemption
If a user redeems during the product cycle:
Current Base Rewards will not be distributed.
Current Consensus Rewards will not be distributed.
Current Airdrop Rewards will not be distributed.
The principal will be returned after deducting the applicable redemption fee.
(2) Renewal
Each Smart Yield product cycle lasts 30 days.
At maturity, users may choose to:
Redeem and settle, or
Renew for another cycle.
If no action is taken, the system will automatically renew the product.
7. Important Notes
Smart Yield supports multiple assets, including USDT, 100XT, xStocks, and U.S. stock tokens. Reward structures vary by asset.
Futures Bonus is valid for 7 days. Unused bonuses will be automatically reclaimed after expiration.
Any updates to product rules, reward rates, or incentive mechanisms will be announced through official platform announcements.
8. Risk Disclaimer
Digital asset markets are highly volatile. Rewards under Smart Yield are calculated strictly according to product rules and do not constitute a guarantee or promise of returns.
Please fully understand the product rules and assess your own risk tolerance before participating.
Thank you for your continued support of 100X.
100X Team
August 11, 2026