At present, the funds are mainly invested in Matrixport's self-operated Collateralized Loans, Zero-interest Loans, Spot Leverage Product, and Credit Funding, among others. The security measures are different according to the various asset classes：
1) Collateralized Loans：There are excess pledged collaterals as the underlying asset. When the pledge rate is higher than the liquidation line (usually 80% to 90%, the same below), the platform will recover the loaned funds through the forced liquidation process.
2) Zero-interest loans：There is excess pledge collateral as the underlying asset, and a put option with an exercise price higher than the closing price is configured. During the borrowing period, there is no need to close the position regardless of currency price fluctuations.
3) Spot Leverage Product and Credit Funding：Users must provide a certain percentage of margin, and their holding assets are locked in the account controlled by Matrixport. When the risk rate (funding principal and interest/total holding assets) is higher than the closing line, the platform will recover the loaned funds through the forced Liquidation process.

Matrixport has a proper set of risk control programs. In the event that any losses occur with the underlying assets of the fixed income product, the program shall provide in-time alerts and stop losses as soon as possible. We are committed to protecting the interests of our users.

Matrixport does not promise 100% principal return, nor do we promise any return on investment. In extreme market fluctuation, investors are to burden the potential loss of principal and interests.

The Flexi Saving Product has no limit amount. The interest is calculated after a successful purchase and will be settled hourly. The higher the utilization rate, the higher the APY. The APY is determined by the algorithm which will increase with the improvement of the utilization (U) and it is dynamically adjusted in real time.

(1) Flexible deposit and easy withdrawal：
You can deposit and withdraw at any time, and interest will begin immediately after depositing. The arrival time when initiating withdrawals is related to the current flow-balance of the pool:
When the withdrawal amount <= the current balance of the fund pool, it will be credited to the account in real time.
When the withdrawal amount> the current balance of the fund pool, the account will not be received in real time but you can continue to deposit to enjoy the excess income. Before arriving in your account, it still calculates interest, and you can cancel the withdrawal.

(2) Compounded hourly：
When borrowing, repayment, deposit, and withdrawal occur in the pool, interest will be calculated once the fund utilization is changed (the longest interest calculation cycle is one hour), and enjoy compound interest income. The calculation of hourly interest is based on the "Return Details" page.

(3) Open and transparent：
We will publish real time data such as the total supply, utilization, APY，and current flow-balance. You can view historical and real time data so that you can make appropriate investment decisions based on your investment needs.

(4) The APY is proportional to the utilization rate:
Fund Utilization Rate (U): The ratio of the scale of interest-earning assets invested by the current fund pool to the deposit balance, That is: 1-flow-balance / (accumulative deposit in the fund pool-accumulative withdrawal)

The higher the utilization rate, the higher the APY. When the utilization rate exceeds the turning point (see the income Rules chart), you will enjoy high deposit income. (High income and low liquidity, low income and high liquidity)

(5) Auto Top-up:
After the opening, the transfer will be automatically triggered when the wallet balance > the minimum deposit amount. You can enjoy the benefits of idle funds generating interest, and improve financial efficiency.

(1) No contract risk：DeFi products may cause user asset losses due to contract loopholes. Flexi Saving will enjoy a product experience similar to DeFi deposits without contract risk.
(2) No high transaction fee: Since operations such as the deposit and withdrawal of DeFi require on-chain transactions, high fees are paid, but there are no fees for Flexi Saving.

（1）Flow-balance is the available balance of funds in the previous interest calculation period, the user withdraws less than or equal to the flow-balance to be credited to the account in real time.
（2）When the withdrawal amount is more than the current Flow-Balance of the pool, it needs to be queued. The account will be settled as soon as the liquidity in the pool is replenished (new funds are deposited or the borrower repays).
Before arriving in your account, it still calculates interest, and you can cancel the withdrawal.

Investment assets include, but are not limited to: Loan, Zero Cost, Leverage, Overnight lending of internal business lines, etc.

The platform will adjust the income rule (utilization and APY curve) from time to time in combination with the current total capital pool and market demand.

The service fee is free for the first month after the product is launched. From the next month, Matrixport will extract interest income from interest-bearing assets * 5% as a service fee. Your income and rate of return are subject to the product page display, and the displayed data has been deducted from the platform-related fees.

When there are extreme situations such as centralized withdrawal,the utilization of funds increases or the flow-balance is insufficient to occur, it is possible that the withdrawal cannot be received in real-time. You can make investment decisions based on your liquidity requirements.
When the fund utilization exceeds the inflection point (subject to product Announcements), the corresponding deposit and borrowing APY will rise faster. It will stimulate borrowers to repay their debts as soon as possible, and motivate more users to deposit and provide liquidity at the same time. Your funds will also enjoy a higher level of return during the redemption period.

Matrixport selects high-quality DeFi(decentralized finance) projects to help you conduct liquidity mining.
You can deposit your fund and withdraw it with revenue at any time, enjoy hourly compounded interest, and receive high returns from the best DeFi projects. Your invested funds will directly (or used as collateral for borrowing stablecoins to) be invested in third-party DeFi projects, including YFV (yfv.finance), CURVE (curve.fi), SWERVE (swerve.fi), etc.
The platform will sell the mining proceeds on your behalf, and the revenue will be sent to your account in real-time.

(1) Deposit and Withdraw at Any Time:
It can be redeemed at any time after the investment, and the principal and revenue will be settled to your account in real time.

(2) Hourly compounded interest:
Interest is accrued hourly, and your principal and hourly interest will be reinvested in the next hour, so you can enjoy hourly compounded interest revenue. The calculation of the current hourly interest is based on the previous day’s APY (annual percentage yield) announced by the platform. For example, the APY announced on the previous day is 10% per annum (that is, the hourly interest rate is 0.00114%). If a user makes a new investment of 100USDT today, the interest from the first hour’s investment is 100*0.00114%=0.00114USDT, and the second hour’s investment principal is increased to 100+0.00114=100.00114USDT, based on which, the interest of the second hour‘s investment is accrued, and so forth.

(3) Selected High-yield DeFi Projects:
Matrixport will select high-yield DeFi projects and adjust positions in real time to strive for the maximum profit for you.

"Liquidity mining" in the DeFi projects refers to the process of providing funds to third-party DeFi projects as required by their protocols to obtain mining revenue (including token assets, transaction fees and other related proceeds) provided by the project.

Matrixport will help users switch their funds from low-yield to high-yield DeFi projects for liquidity mining according to the real-time mining proceeds of third-party DeFi projects, to earn higher mining revenue for investors.

USDT/USDC: 100-1,000/per client
BTC: 0.01-0.1/per client
BCH: 0.5-5/per client
ETH: 0.3-3/per client

If your investment currency is BTC/BCH/ETH, your cryptocurrency will be used as collateral to borrow stablecoins (USDT/USDC) for DeFi mining. The required initial loan-to-value rate (LTV) of BTC pledge is 100%, and the interest rate is 10% per annum; the required initial LTV of BCH pledge is 83%, the interest rate is 12% per annum; the required initial LTV of ETH pledge rate is 90%, and the interest rate is 10% per annum.

If your investment cryptocurrency is BTC/BCH/ETH, Matrixport will adjust the position based on the price of collateral every day. If the BTC price drops by 5% (BCH by 17% and ETH by 10%) or above, Matrixport will withdraw a certain amount of funds from the DeFi projects to keep the loan to value rate lower than required for the initial LTV. The withdrawal of funds from DeFi projects will have an impact on expected income.

(1) You are responsible for the gas fee, slippage loss, trading fee, loan interest and other fees charged by corresponding DeFi projects (if any).
(2) In addition, Matrixport will take 10% of your revenue as a service fee, and your actual annualized yield is displayed as “APY” on the product page.
For example, if you invest 100USDT for 7 days, after deducting the related fees in (1), your annualized rate of return is 50%, the service fee rate is 50%*10%=5% (annualized), and the 7-day service fee is approximately 100 *5%/365/24*24*7=0.096USDT.

The products are subject to the risks from the operation mechanism of DeFi (like Curve, YFValue, and Swerve) smart contracts, hacker attacks, liquidity crisis and market volatility. Any possible loss or gain caused shall be borne by the investors.

For early redemption, USDT/USDC will be settled within the first business day after the redemption date, and BTC/BCH/ETH will be settled no later than T+3 business day. To turn off the renewal function, USDT/USDC will be settled within the first business day after the end of the corresponding investment cycle, and BTC/BCH/ETH will be settled no later than T+3.

If your investment currency is BTC/BCH/ETH, your crypto currency will be used as collateral to borrow stablecoins (USDT/USDC) for DeFi mining. The required initial loan-to-value rate (LTV) of BTC pledge is 100%, and the interest rate is 9% per annum; The required initial LTV of BCH pledge is 100%, the interest rate is 14% per annum; the required initial LTV of ETH pledge rate is 100%, and the interest rate is 6% per annum.

Matrixport will adjust the position based on the price of collateral every day. If the BTC price drops by 5% (BCH by 17% and ETH by 10%) or above, Matrixport will withdraw a certain amount of funds from the mining to keep the loan to value rate lower than required initial LTV. The withdrawal of funds will have an impact on expected income.

Hold the investment to the maturity date of each cycle to enjoy a “floating” investment revenue. The platform will collect your investment principal*0.00822% per day as a management fee, and the remaining income after deducting other expenses will be returned to your account. If the actual rate of return is lower than expected, the platform will subsidize as appropriate; at the same time, the platform will launch a loyalty reward program, and will give an additional 0.5% income subsidy for renewal orders.

The products are subject to the risks from the operation mechanism of contracts, hacker attacks, liquidity crisis and market volatility. Any possible loss or gain caused shall be borne by the investors.

The product is valid for a long time, divided into multiple investment cycles. Each cycle defaults to 7 days, or Matrixport adjusts the cycle and DeFi projects according to the market environment, yield change of DeFi project, and the launch of new project. The days of each cycle and investment projects are subject to the platform announcement.

(1) You are responsible for the gas fee, slippage loss, trading fee, loan interest and other fees charged by corresponding DeFi projects (if any).
(2) In addition, Matrixport will take 10% of your revenue as a service fee, and your actual annualized yield is displayed as “APY” on the product page.
For example, if you invest 100USDT for 7 days, after deducting the related fees in (1), your annualized rate of return is 50%, the service fee rate is 50%*10%=5% (annualized), and the 7-day service fee is approximately 100 *5%/365/24*24*7=0.096USDT.

For early redemption, USDT/USDC will be settled within the first business day after the redemption date, and BTC/BCH/ETH will be settled no later than T+3 business day. To turn off the renewal function, USDT/USDC will be settled within the first business day after the end of the corresponding investment cycle, and BTC/BCH/ETH will be settled no later than T+3.

If your investment currency is BTC/BCH/ETH, your crypto currency will be used as collateral to borrow stablecoins (USDT/USDC) for DeFi mining. The required initial loan-to-value rate (LTV) of BTC pledge is 100%, and the interest rate is 9% per annum; The required initial LTV of BCH pledge is 100%, the interest rate is 14% per annum; the required initial LTV of ETH pledge rate is 100%, and the interest rate is 6% per annum.

Matrixport will adjust the position based on the price of collateral every day. If the BTC price drops by 5% (BCH by 17% and ETH by 10%) or above, Matrixport will withdraw a certain amount of funds from the mining to keep the loan to value rate lower than required initial LTV. The withdrawal of funds will have an impact on expected income.

Hold the investment to the maturity date of each cycle to enjoy a “floating” investment revenue. The platform will collect your investment principal*0.00822% per day as a management fee, and the remaining income after deducting other expenses will be returned to your account. If the actual rate of return is lower than expected, the platform will subsidize as appropriate; at the same time, the platform will launch a loyalty reward program, and will give an additional 0.5% income subsidy for renewal orders.

The products are subject to the risks from the operation mechanism of contracts, hacker attacks, liquidity crisis and market volatility. Any possible loss or gain caused shall be borne by the investors.

The product is valid for a long time, divided into multiple investment cycles. Each cycle defaults to 7 days, or Matrixport adjusts the cycle and DeFi projects according to the market environment, yield change of DeFi project, and the launch of new project. The days of each cycle and investment projects are subject to the platform announcement.

(1) You are responsible for the gas fee, slippage loss, trading fee, loan interest and other fees charged by corresponding DeFi projects (if any).
(2) In addition, Matrixport will take 10% of your revenue as a service fee, and your actual annualized yield is displayed as “APY” on the product page.
For example, if you invest 100USDT for 7 days, after deducting the related fees in (1), your annualized rate of return is 50%, the service fee rate is 50%*10%=5% (annualized), and the 7-day service fee is approximately 100 *5%/365/24*24*7=0.096USDT.

For early redemption, USDT/USDC will be settled within the first business day after the redemption date, and BTC/BCH/ETH will be settled no later than T+3 business day. To turn off the renewal function, USDT/USDC will be settled within the first business day after the end of the corresponding investment cycle, and BTC/BCH/ETH will be settled no later than T+3.

If your investment currency is BTC/BCH/ETH, your crypto currency will be used as collateral to borrow stablecoins (USDT/USDC) for DeFi mining. The required initial loan-to-value rate (LTV) of BTC pledge is 100%, and the interest rate is 9% per annum; The required initial LTV of BCH pledge is 100%, the interest rate is 14% per annum; the required initial LTV of ETH pledge rate is 100%, and the interest rate is 6% per annum.

Matrixport will adjust the position based on the price of collateral every day. If the BTC price drops by 5% (BCH by 17% and ETH by 10%) or above, Matrixport will withdraw a certain amount of funds from the mining to keep the loan to value rate lower than required initial LTV. The withdrawal of funds will have an impact on expected income.

Hold the investment to the maturity date of each cycle to enjoy a “floating” investment revenue. The platform will collect your investment principal*0.00822% per day as a management fee, and the remaining income after deducting other expenses will be returned to your account. If the actual rate of return is lower than expected, the platform will subsidize as appropriate; at the same time, the platform will launch a loyalty reward program, and will give an additional 0.5% income subsidy for renewal orders.

The products are subject to the risks from the operation mechanism of contracts, hacker attacks, liquidity crisis and market volatility. Any possible loss or gain caused shall be borne by the investors.

The product is valid for a long time, divided into multiple investment cycles. Each cycle defaults to 7 days, or Matrixport adjusts the cycle and DeFi projects according to the market environment, yield change of DeFi project, and the launch of new project. The days of each cycle and investment projects are subject to the platform announcement.

(1) You are responsible for the gas fee, slippage loss, trading fee, loan interest and other fees charged by corresponding DeFi projects (if any).
(2) In addition, Matrixport will take 10% of your revenue as a service fee, and your actual annualized yield is displayed as “APY” on the product page.
For example, if you invest 100USDT for 7 days, after deducting the related fees in (1), your annualized rate of return is 50%, the service fee rate is 50%*10%=5% (annualized), and the 7-day service fee is approximately 100 *5%/365/24*24*7=0.096USDT.