Dual Investment is a smart financial product offered by OKX that allows users to earn yield while actively participating in cryptocurrency markets. Whether you're bullish or bearish on an asset, this flexible tool enables you to generate returns based on your market outlook—without needing to constantly monitor price movements.
With Dual Investment, users can choose between two strategic options: "Buy Low" or "Sell High". Each strategy offers structured returns depending on whether the market hits a predefined target price by the settlement date. This makes it ideal for traders and investors looking to combine passive income with directional market exposure.
Let’s dive into how Dual Investment works, its key components, benefits, and practical use cases.
How Dual Investment Works
At its core, Dual Investment allows users to lock in crypto assets (such as BTC or ETH) or stablecoins (like USDT) for a fixed term. In return, they earn interest and potentially acquire more assets—depending on market conditions at settlement.
There are two main strategies:
✅ Sell High Strategy
Ideal for users who believe the price of their base cryptocurrency (e.g., BTC) will remain below a certain level.
- You deposit the base crypto (e.g., 10 BTC).
- Set a target price (e.g., $58,000).
- If the settlement price is below the target, you get your original amount back plus interest.
- If the settlement price meets or exceeds the target, you sell your crypto at the target rate and receive proceeds in the quote currency (e.g., USDT), including interest.
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✅ Buy Low Strategy
Perfect for those anticipating a dip or sideways movement in price.
- You deposit stablecoins (e.g., 10,000 USDT).
- Choose a target price at which you’d like to buy BTC.
- If the settlement price is above the target, you keep your stablecoins plus interest.
- If the price drops to or below your target, you automatically purchase BTC at that price—and still earn interest.
This dual approach gives traders control and clarity, turning speculative trades into structured yield-generating opportunities.
Key Definitions You Need to Know
Understanding these terms is crucial for making informed decisions:
- Base Cryptocurrency: The digital asset you’re buying or selling (e.g., BTC, ETH).
- Quote Currency: The currency used to value the base asset (e.g., USDT, BTC).
- Target Price: The reference price compared to the settlement price to determine payout.
- Settlement Price: The average index price of the base crypto between 14:00–15:00 Vietnam time on the maturity date.
- Maturity Date: The day your investment settles. Settlement occurs at 15:00 Vietnam time.
- Term: The duration of your investment. Interest accrual starts from the next hour after confirmation.
- Annual Percentage Rate (APR): Estimated annualized return.
Term Interest Rate: Actual interest earned over the investment period, calculated as:
Term Interest = APR × Term / 365
Payouts are typically credited automatically to your Funding Account at 15:30 Vietnam time on the maturity date. In rare cases, settlement may be delayed up to 24 hours.
Real-World Examples
Example 1: Sell High (BTC/USDT)
You commit 10 BTC, set a target price of $58,000, with a term interest rate of 0.2%.
If settlement price < $58,000 → You receive:
10 × (1 + 0.2%) = 10.02 BTCIf settlement price ≥ $58,000 → You receive:
10 × 58,000 × (1 + 0.2%) = 581,160 USDT
You profit either way—either keeping your BTC with a small yield or selling it at a favorable rate with extra gains.
Example 2: Buy Low (BTC/USDT)
You invest 10,000 USDT, set a target price of $50,000, with a term interest rate of 1.24%.
If settlement price > $50,000 → You receive:
10,000 × (1 + 1.24%) = 10,124 USDTIf settlement price ≤ $50,000 → You receive:
(10,000 / 50,000) × (1 + 1.24%) = 0.20248 BTC
Even if BTC drops, you get it cheaper than market price—and still earn interest.
Frequently Asked Questions
Q: Can I withdraw before the maturity date?
Yes—but only for select pairs like BTC/USDT and ETH/USDT, and only if the term is longer than two days. Early settlement is not currently supported for other pairs.
Q: When can I cancel my order?
You can cancel within 24 hours after interest begins accruing and no later than 24 hours before maturity.
For example:
- Interest starts: March 1, 15:00 Vietnam time
- Maturity: March 11, 15:00 Vietnam time
→ Cancellation window: March 2–March 10, same time range
Q: When will my profits be credited?
Successful settlements result in funds being credited to your Funding Account by 15:30 Vietnam time on the maturity date. Delays may occur in exceptional circumstances but won’t exceed 24 hours.
Q: Does early settlement lead to losses?
Possibly. When settling early, you’ll see the exact amount you’ll receive before confirming. Since accrued interest may not offset potential market shifts, early withdrawal could result in receiving less than your initial deposit.
Also, early settlement only returns the same type of crypto you invested—no cross-currency options. For instance, if you invested BTC, you can only withdraw BTC.
Q: How do staked assets like BETH and OKSOL affect pricing?
The prices of derivative tokens like BETH or OKSOL are pegged to their underlying assets (ETH and SOL). However, minor deviations can occur due to market dynamics.
For settlement purposes, OKX uses the index price of the underlying staked asset, not the derivative token. This ensures accurate and fair valuation—even if temporary discrepancies appear.
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Strategic Tips for Maximizing Returns
- Align with Market Outlook: Use "Sell High" when expecting sideways-to-bullish movement; use "Buy Low" when anticipating dips or consolidation.
- Monitor APR Trends: Higher yields often correlate with higher conversion probability. Evaluate risk vs. reward carefully.
- Diversify Across Terms: Spread investments across different maturities to balance liquidity and yield.
- Use Stop-Loss Logic: Treat target prices like conditional orders—automating buys or sells at favorable levels.
Dual Investment combines the best of passive income and active trading—offering predictability in volatile markets.
Why Choose Dual Investment on OKX?
OKX stands out as a trusted platform for advanced crypto finance products due to:
- Transparent settlement mechanisms
- Real-time APR tracking
- Flexible terms and high liquidity
- Support for major trading pairs
- User-friendly interface with clear risk disclosure
Whether you're hedging positions or aiming to accumulate assets at lower costs, Dual Investment provides a structured path to smarter returns.
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Final Thoughts
Dual Investment isn’t just about earning interest—it’s about gaining strategic flexibility in unpredictable markets. By setting clear target prices and defined terms, you turn speculation into planning.
With competitive APRs, reliable settlement processes, and early exit options on key pairs, OKX empowers both novice and experienced investors to take control of their crypto journey.
Whether you’re looking to sell high during rallies or buy low during corrections—Dual Investment makes every market condition an opportunity.
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