What is Dual Invest?
Dual Invest is a feature in the Crypto.com App that lets you earn rewards in one of two digital assets depending on how the market moves.
How does Dual Invest work?
Here are the basics of Dual Invest that you need to know:
Know your potential reward upfront. The reward rate you will enjoy on your deposited tokens is offered to you before you enter into a Dual Invest plan.
Receive the deposit or alternate token: Each Dual Invest plan has a deposit token and an alternate token. Either can be the target asset.
Earn based on your market outlook. You need to select a Target Price for the target asset. If the Target Price is reached at the end of your selected term, you will receive the reward in the alternative token. If it is not, you will receive the reward in the deposit token.
Example:
You select a plan featuring BTC as the deposit token and USDC as the alternate token
You deposit 0.5 BTC for a 1-day term to enjoy 132.42% p.a. with a BTC Target Price of 97,000 USDC
When the term expires, BTC’s price is at or above 97,000 USDC, i.e. the BTC Target Price is reached
You will earn 132.42% p.a. on 0.5 BTC, paid in USDC
What are the benefits of Dual Invest?
Dual Invest offers various benefits, including:
Competitive Reward Rates: Access high reward rates on your Dual Invest plans
Flexible Earning: Choose from different digital assets, terms, and target prices
Simple Diversification: Manage portfolio risk by gaining exposure to multiple digital assets simultaneously
Earn and Trade in One Go: If your Target Price is reached, your deposited tokens and rewards will be automatically converted to the alternate token at the Target Price. You stand to benefit from the conversion without having to monitor the market and the rewards earned.
How do I earn with Dual Invest?
Follow these steps to earn with Dual Invest:
From the home screen, go to the main menu and tap Dual Invest
Select one of the available plans from the Discover tab
Select the deposit term from the dropdown menu
Slide to select a Target Price for your target asset
Input the amount of the token you wish to deposit
Verify the transaction to complete the order
Upon confirming the order, your deposit will be locked until the end of the term. At the term’s expiry, one of two scenarios will occur depending on whether your selected Target Price is reached:
Target Price Reached (Order Filled): You will receive your deposited funds and rewards in the alternate token in your Crypto Wallet
Target Price Not Reached (Order Not Filled): You will receive your deposited funds and rewards in the deposit token. If Auto-Renew is enabled, a new order will be automatically placed. See ‘What is Auto-Renew?’ for more information.
What are the risks associated with Dual Invest?
Please be aware of the following risks:
Market Risk: The value of the deposit and alternate tokens can fluctuate, leading to potential losses
Opportunity Cost: If the Target Price is reached and your deposit token is converted, and its market price continues to move, you could miss out on potential gains
What is Auto-Renew?
Auto-Renew allows you to continue earning rewards while maintaining exposure to the alternate token.
If your Dual Invest order is not filled at expiry, Auto-Renew automatically places a new order with the same Target Price and deposit amount for the next available Settlement Date. Please note that the reward rate and term may differ from the original order.
Auto-Renew is disabled by default. If you enable it when placing an order, you can disable it anytime up to 30 minutes before the expiry of the open order.
How can I track the performance of my Dual Invest orders?
Follow these steps to track the performance of your Dual Invest orders:
From the home screen, go to the main menu and tap Dual Invest
Go to the Portfolio tab to view the details of your orders
Can I modify or cancel my order?
You cannot modify or cancel your order after it has been placed.
When will I receive my Dual Invest rewards?
You will receive your rewards in your Crypto Wallet within six (6) hours from 08:00 UTC on the Settlement Date.
How is my Dual Invest reward calculated?
Using two order types as examples, here is how your reward is calculated:
Order Type | Target Asset | Scenario | Rewards Calculation |
Deposit BTC to earn BTC or USDC
(Sell high)
| BTC | Target Price is reached :
BTC Price at Expiry ≥ Target Price | Reward token: USDC
Rewards = Deposit amount ✕ Target price ✕ [1 + Reward Rate ✕ (Term ÷ 365)]
|
Deposit BTC to earn BTC or USDC
(Sell high)
| BTC | Target Price is not reached :
BTC Price at Expiry < Target Price | Reward token: BTC
Rewards = Deposit amount ✕ [1 + Reward Rate ✕ (Term ÷ 365)] |
Deposit USDC to earn USDC or BTC
(Buy low) | BTC | Target Price is reached :
BTC Price at Expiry ≤ Target Price | Reward token: BTC
Rewards = Deposit amount ÷ Target price ✕ [1 + Reward Rate ✕ (Term ÷ 365)] |
Deposit USDC to earn USDC or BTC
(Buy low) | BTC | Target Price is not reached :
BTC Price at Expiry > Target Price | Reward token: USDC
Rewards = Deposit amount ✕ [1 + Reward Rate ✕ (Term ÷ 365)] |
Your reward amount is determined by the price of the target asset at order expiry. The price used to evaluate your order is the average index price of the target asset in the last 60 minutes before 08:00 UTC on the Settlement Date.
Are there any fees for participating in Dual Invest?
There are no additional fees for using the Dual Invest feature. What’s more, you pay 0% fees for purchasing crypto if your Target Price is reached and your order is filled.
However, standard fees for buying cryptocurrencies in the Crypto.com App may apply when you purchase before depositing into Dual Invest. For details, go to the main menu from the home screen and tap Settings > About > Fees & Limits.
What are the order limits for Dual Invest?
The minimum and maximum order amounts are as follows:
Minimum Order Limit
BTC | 0.00001 |
ETH | 0.001 |
USDC | 1 |
Maximum Order Limit
BTC | 5 |
ETH | 160 |
USDC | 500,000 |
24-hour Order Limit
BTC | 20 |
ETH | 650 |
USDC | 2,000,000 |
Who is eligible for Dual Invest?
Dual Invest is available to citizens and residents of the following jurisdictions:
Antigua & Barbuda Bahamas Bahrain Barbados Bermuda Brazil British Virgin Islands Caribbean Netherlands Cayman Islands Chile Colombia Costa Rica Curacao Dominican Republic Egypt El Salvador Faroe Islands Fiji French Polynesia Greenland Guatemala Honduras India Indonesia Israel Japan Jordan Kenya Kuwait North Macedonia Malaysia Mexico New Caledonia Nigeria Oman Paraguay Peru Philippines Qatar St. Kitts & Nevis St. Lucia Saudi Arabia Serbia Seychelles Sint Maarten Sri Lanka Taiwan Thailand Trinidad & Tobago Tunisia Turkey Turks & Caicos Islands Uruguay Vietnam Albania Angola Anguilla Armenia Aruba Azerbaijan Belize Bhutan Bosnia & Herzegovina Brunei Cambodia Cameroon Cape Verde (Cabo Verde) Cote d'lvoire (Ivory Coast) East Timor (Timor-Leste) Ecuador Georgia Ghana Grenada Jamaica Kazakhstan Kosovo Laos Liberia Madagascar Maldives Mauritania Mauritius Moldova Mongolia Montenegro Morocco Nicaragua Pakistan Panama Papua New Guinea Rwanda St. Vincent and the Grenadines Sao Tome & Principe Senegal Solomon Islands Turkmenistan Uganda Uzbekistan Vanuatu Zambia Falkland Islands Norfolk Island |
When is the cutoff time for a Dual Invest plan?
You can place orders up until 24 hours before the 08:00 UTC on the Settlement Date.
For example, if the settlement date for the plan is 31 January, all orders must be submitted by 30 January 30 at 07:59:59 UTC.
What is the listing cycle of Dual Invest?
New Settlement Dates are listed every Tuesday and Friday, and expire according to the following schedule:
Plans introduced on Tuesdays will have an initial lifetime of two weeks at the time of introduction
Plans introduced on Fridays will have an initial lifetime of two months at the time of introduction
Do my Dual Invest orders count towards Rewards+?
No. Dual Invest orders do not count towards the Rewards+ program or Badges.
The cumulative spot trading volume calculation for Rewards+ does not include BTC, ETH, and stablecoin pairs. Currently, only BTC, ETH, and USDC are available as deposit tokens for Dual Invest.
Are there any Dual Invest benefits for Prime users?
Prime users enjoy higher reward rates of up to 8% p.a. Jurisdiction limitations apply. See here for details.