Binance Dual Investment is a structured financial product that lets you earn extra returns while waiting with your holdings. If you're interested, register on Binance first, then download the Binance APP — you'll find Dual Investment in the "Earn" section.
What Is Dual Investment?
The core logic is simple: you deposit one cryptocurrency, and at maturity, depending on the settlement price, you either get back your principal plus interest (in the original currency), or it converts to another currency at the target price plus interest.
For example: you deposit 1 BTC with a target price of 70,000 USDT, a 7-day term, and a 50% APY.
- If BTC price is below 70,000 at maturity: you get back 1 BTC + BTC interest
- If BTC price is at or above 70,000 at maturity: your BTC is sold at 70,000, and you receive 70,000 USDT + USDT interest
Two Directions
Sell High
You deposit BTC or other crypto and set a target price higher than the current price.
- Price doesn't reach the target at maturity: you get back the original crypto + interest — essentially free earnings
- Price reaches the target at maturity: sold at the target price, earning interest but potentially missing out on further gains
Buy Low
You deposit USDT and set a target price lower than the current price.
- Price doesn't drop to the target at maturity: you get back USDT + interest
- Price drops to the target at maturity: you buy crypto at the target price, essentially getting a discount plus earning interest
How Are Returns Calculated?
Returns = Deposit Amount x APY x Term Days / 365
For example, depositing 10,000 USDT at 80% APY for 7 days:
Returns = 10,000 x 80% x 7 / 365 = 153.42 USDT
Regardless of the settlement outcome, this interest is yours to keep.
What Are the Risks?
The Biggest Risk Is "Passive Conversion"
With Sell High, if you planned to hold BTC long-term but the price exceeds the target at maturity, your BTC gets sold. While you earned interest, if BTC keeps rising, you miss out.
With Buy Low, if the price drops below the target at maturity, you buy the crypto — but if it keeps falling, you face losses.
No Early Redemption
Once you subscribe to a Dual Investment product, it cannot be canceled or redeemed before maturity. Keep this in mind.
Who Is It Best For?
- Dip buyers: Choose Buy Low direction — earn interest even if you don't get to buy
- Profit takers: Choose Sell High direction — sell at your target price if reached, earn interest if not
- Those with idle funds: Crypto you won't need short-term can be put into Dual Investment
Steps to Get Started
- Open the Binance APP, go to "Earn" → "Dual Investment"
- Select a product (note the direction, target price, term, and APY)
- Enter the subscription amount
- Confirm and wait for settlement at maturity
A Few Tips
- Choose target prices you're comfortable with — don't chase high APY with unrealistic prices
- Shorter-term products carry relatively less risk
- Don't invest all your funds — keep some reserves for unexpected situations