What Is Dual Investment?
Binance Dual Investment is a structured financial product that combines the characteristics of deposits and options. Users deposit one cryptocurrency, and at maturity, based on the relationship between the settlement price and the target price, they receive a return in one of two currencies at a higher yield rate.
Simply put, Dual Investment involves making a judgment about future prices. If your judgment is correct, you earn interest; if incorrect, the trade executes at the target price (buying or selling) and you still earn interest. Either way, you receive interest — the difference is which currency you get back at maturity.
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How Dual Investment Works
Using a "Sell High" product as an example: you deposit 1 BTC with a target price of 70,000 USDT and a 7-day term.
Scenario 1: At maturity, BTC price is below 70,000 USDT. You get back your BTC principal plus BTC interest. Since the price didn't reach the target, your BTC won't be sold — you safely receive both your principal and extra interest earnings.
Scenario 2: At maturity, BTC price is at or above 70,000 USDT. Your BTC is sold at 70,000 USDT, and you receive USDT principal plus USDT interest. This means you sold your BTC at 70,000 — while the market price may be higher, you earned extra interest.
"Buy Low" products work in reverse: you deposit USDT, and if the price drops below the target at maturity, your USDT buys BTC at the target price (essentially buying the dip). If the price stays above the target, you get back your USDT principal and interest.
How to Make Money with Dual Investment
Sell High Strategy: If you hold BTC and believe it won't surge significantly in the short term, set a relatively high target price. If the price doesn't reach it, you earn extra interest. If it does, you sell at a high price and earn interest too.
The core logic: you were already planning to sell BTC at a certain price. Through Dual Investment, not only do you sell at your target price, but you also earn interest on top. For example, if you're willing to sell BTC above 75,000, set a target price of 75,000. If the price reaches it, you happily sell and earn interest; if not, you're still happy because you earned free interest.
Buy Low Strategy: If you want to buy BTC and believe the price will drop to a certain level, deposit USDT and set a target price below the current price. If it drops to your target, you buy at your ideal price; if not, you earn interest.
This strategy suits users with clear buying intentions. For example, if you want to buy BTC when it dips to 60,000, set a target price of 60,000. If it dips, you buy at a low price and earn interest; if it doesn't dip, you still earn interest and can keep waiting for the next opportunity.
Rolling Strategy: Continuously participate in multiple rounds of Dual Investment, reinvesting returns into new rounds immediately upon maturity. Through continuous rolling, you can achieve compound interest effects, with impressive long-term returns.
Yield Levels
Dual Investment typically offers annualized yields of 10%-50%, significantly higher than regular earn products. Yield levels depend on several factors:
- Term: Shorter terms tend to have higher annualized yields
- Target price distance from current price: The closer the target is to the current price, the higher the probability of execution, and the higher the yield
- Market volatility: Higher market volatility means higher yields
Understand that higher yields come at the cost of potentially being executed at unfavorable prices.
Important Notes
Dual Investment is not risk-free. The biggest risk is that market movement doesn't align with expectations, potentially resulting in buying or selling at unfavorable prices. An extreme example: you set a 70,000 sell high target, but BTC rises to 90,000 at maturity — your BTC still sells at 70,000, effectively missing out on 20,000 in potential gains.
We recommend choosing target prices at which you'd genuinely be willing to buy or sell, rather than chasing high yields alone. Funds cannot be redeemed early before maturity, so plan your capital accordingly and ensure you won't need the money during the lock-up period.
Beginners should start with small amounts to understand the mechanics before gradually increasing their investment. Choosing more distant target prices (lower probability of execution) lets you enjoy interest while reducing the risk of forced trades.