Crypto investors are constantly seeking innovative ways to grow their holdings beyond simple buy-and-hold strategies. One such advanced financial product gaining traction is Dual Investment, offered by leading platforms like OKX. Designed for users who want higher-yield opportunities with flexible outcomes, Dual Investment blends structured returns with market exposure—offering the potential for enhanced yields while introducing calculated risk.
In this guide, we’ll explore what Dual Investment is, how it works on OKX, and how you can participate using either the mobile app or web platform. Whether you're new to crypto finance or looking to expand your portfolio strategy, understanding this tool could open new doors for passive income generation.
Understanding Dual Investment: A Smart Way to Earn in Crypto
👉 Discover how Dual Investment can boost your crypto returns with flexible settlement options.
Dual Investment is a non-principal-protected, high-potential-return financial product offered by OKX. It allows users to invest in major cryptocurrencies such as BTC, ETH, or USDT, earning a fixed and transparent yield at the time of investment. However, what sets it apart from traditional savings products is the uncertainty of the settlement currency at maturity.
Here’s how it works:
- You choose an asset (BTC, ETH, or USDT) and lock it into a time-bound investment.
- The annualized yield is clearly displayed before you commit—no surprises.
- At the end of the investment period, your payout will be in either the same asset or another predetermined one, depending on market conditions.
This dual outcome mechanism ties the final settlement currency to a comparison between two key prices:
- Hook Price (Strike Price): A pre-defined benchmark price set at the start of the investment.
- Settlement Price: The average price of BTC or ETH calculated from OKX’s index during the last hour before maturity (15:00–16:00 HKT).
If the settlement price meets or exceeds the hook price, you receive your payout in the target asset (e.g., USDT). If not, you get more of the base asset (e.g., BTC or ETH), effectively lowering your entry cost.
This design appeals to traders who have a directional outlook on crypto markets but still want guaranteed yield regardless of movement.
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How to Use Dual Investment on OKX via Mobile App
Using Dual Investment on the OKX mobile app is intuitive and designed for both beginners and experienced users. Follow these steps:
- Open the OKX app and navigate to the Finance tab.
- Tap the three-dot menu in the top-right corner and select Dual Investment.
Choose your preferred:
- Product type (e.g., BTC, ETH, or USDT-based)
- Investment asset
- Specific Dual Investment product with its fixed return rate
- Enter your desired investment amount.
- Tap Next, review the terms, including expected return and settlement logic.
- Confirm and complete the transaction.
Once subscribed, you’ll see your active investment under “My Orders.” The return is locked in immediately, giving you clarity on potential earnings—even though the payout currency depends on market performance at expiry.
👉 Start earning fixed yields with flexible crypto settlement options today.
How to Access Dual Investment Through OKX Web Platform
Prefer using a desktop? The web version offers full functionality with a clean interface:
- Log in to your OKX account at okx.com.
- Click on Finance in the main navigation bar.
- Select Dual Investment from the dropdown or side menu.
Browse available products filtered by:
- Asset (BTC, ETH, USDT)
- Tenure (short-term or long-term)
- Expected return
- Click Subscribe, enter your investment amount, and confirm.
The process is seamless and mirrors the app experience. Real-time data, clear risk disclosures, and historical performance metrics help inform your decisions before committing funds.
Key Terms You Need to Know Before Investing
Before diving into Dual Investment, understand these essential concepts:
Investment Currency: The digital asset you use to purchase the product. For example:
- BTC Dual products require BTC
- ETH Dual products require ETH
- BTC-U and ETH-U products accept USDT
Settlement Currency: The asset you receive when the product matures. This could be BTC, ETH, or USDT—based entirely on whether the market price crosses the hook price at expiry.
Hook Price (Strike Price): A fixed reference point used to determine your payout asset. Think of it as a target price level.
Settlement Price: Calculated as the average of OKX's BTC or ETH index over the final hour before maturity (15:00–16:00 HKT). This prevents manipulation from momentary price spikes.
Understanding these definitions helps you anticipate outcomes and make informed predictions about potential returns.
Frequently Asked Questions (FAQs)
Q1: Is Dual Investment safe?
While Dual Investment offers attractive fixed returns, it is a non-principal-protected product. This means there’s a risk of receiving less valuable assets upon settlement if market prices move unfavorably. Always assess volatility trends before investing.
Q2: Can I withdraw my funds early?
No. Once subscribed, investments are locked until maturity. Early redemption is not supported, so ensure liquidity needs are met before committing.
Q3: How is the settlement price calculated?
The settlement price is based on the volume-weighted average price (VWAP) of BTC or ETH on OKX’s index from 15:00 to 16:00 HKT on the maturity date. This ensures fairness and transparency.
Q4: Why would I receive a different currency than I invested in?
The payout currency depends on whether the market price surpasses the hook price. If it does, you’re rewarded in stablecoin (e.g., USDT); if not, you receive more of the volatile asset (e.g., BTC), which may represent a lower-cost acquisition opportunity.
Q5: Are returns guaranteed?
Yes, the yield percentage is fixed and guaranteed at purchase. However, because the settlement asset may change, the realized value in USD terms is subject to market fluctuations.
Q6: Who should use Dual Investment?
It’s ideal for users with moderate risk tolerance who want higher yields than standard savings accounts and have a view on where BTC or ETH prices might be at a future date.
Final Thoughts: Maximizing Opportunities with Informed Choices
Dual Investment on OKX represents a powerful fusion of yield generation and strategic market positioning. By offering fixed returns with dynamic payout structures, it empowers users to earn while aligning with their market expectations.
However, due to its non-guaranteed principal nature and dependency on price movements, it's crucial to approach it with research and caution. Consider using small allocations first, monitor market trends closely, and only invest what you’re comfortable with potentially converting into another asset.
👉 Unlock high-yield crypto opportunities with flexible payout options on a trusted global platform.
With proper understanding and disciplined execution, Dual Investment can become a valuable component of a diversified crypto portfolio—helping you earn more while staying engaged with market dynamics.