Dual Investment is built for traders who already have a view on where a price is going. Instead of sitting on the sidelines waiting for your target to hit, you put your assets to work earning a high APR in the meantime. The catch is that at settlement, the currency you receive depends on whether the market reaches your target. That's a tradeoff you need to be comfortable with before you subscribe.
What is Dual Investment?
BloFin Dual Investment is a non-principal protected, high-yield structured product with a market-directional strategy. You earn a fixed APR on your subscribed assets for the duration of the term regardless of market direction. At settlement, if the market price reaches your chosen target price, your assets are automatically converted into the other currency in the pair. If it doesn't reach the target, you receive your original asset back. Either way, you keep the interest earned.
How it works
You choose three things when subscribing: an asset, a target price, and a settlement date. The system compares the market price at settlement against your target price to determine your payout.
There are two strategies depending on your market view.
Buy Low
You subscribe with USDT and set a target price below the current market price. You're essentially saying: if this asset falls to my target, I would like to buy it there.
If the market price is at or below your target price at settlement: your USDT is used to purchase the asset at the target price. You receive the asset plus the interest earned.
If the market price stays above your target price: the target was not reached. You receive your USDT back plus the interest earned.
Example: BTC is trading at $100,000. You subscribe with USDT and set a target price of $85,000 with a 7-day term at 45% APR. If BTC drops to $85,000 or below by settlement, you receive BTC bought at $85,000 plus the interest. If BTC stays above $85,000, you receive your USDT back plus the interest. You earn the yield regardless of which outcome occurs.
Sell High
You subscribe with a crypto asset such as BTC or ETH and set a target price above the current market price. You're saying: if this asset rises to my target, I'm happy to sell it there.
If the market price is at or above your target price at settlement: your asset is sold at the target price. You receive USDT plus the interest earned.
If the market price stays below your target price: the target was not reached. You receive your original asset back plus the interest earned.
Example: You hold ETH currently trading at $3,000. You subscribe with ETH and set a target price of $3,500 with a 7-day term. If ETH reaches $3,500 by settlement, you receive USDT at that price plus the interest. If ETH stays below $3,500, you receive your ETH back plus the interest.
Interest mechanics
Interest is paid regardless of whether the target price is reached. This is the core advantage of Dual Investment. You earn the yield in every scenario. The only variable is which currency lands in your account at settlement.
Generally, the closer the target price is to the current market price, the higher the APR offered. A target close to market price is more likely to be reached at settlement, meaning conversion is more probable and the higher yield reflects that. A target set further from market price is less likely to be reached, so the APR is lower.
Please note that early redemption is not supported. Once you subscribe, your assets are locked until the settlement date.
Risks and disclosures
Market risk
Dual Investment is a non-principal protected structured product, meaning returns are dependent on market performance at settlement. If the market price moves sharply against your subscribed direction, the final assets you receive may have a lower market value than your original investment. For example, users participating in a “Buy Low” strategy could receive crypto assets during a significant downturn, potentially resulting in unrealized losses if prices continue to decline after settlement.
Liquidity and lock-up risk
After a Dual Investment subscription is confirmed, the position cannot be canceled, redeemed, or modified before the settlement date. During this lock-up period, the subscribed assets will remain inaccessible and cannot be used for trading, transfers, or other investment opportunities. Users should carefully assess their short-term liquidity needs before committing funds.
Opportunity cost
While Dual Investment offers the potential to earn enhanced yields, it may also limit upside opportunities in highly volatile markets. In a strong upward trend, “Sell High” participants may be required to sell assets at the predetermined target price, even if the market price rises substantially higher. Similarly, “Buy Low” users may purchase assets at the target price despite the market continuing to fall below that level. As a result, users may miss more favorable market entry or exit opportunities.
Who Dual Investment is for
Dual Investment makes most sense if you have a genuine price target in mind. If you've been thinking "I'd buy BTC if it dropped to X" or "I'd take profit on ETH at Y," Dual Investment lets you earn while you wait for that outcome rather than simply holding idle funds.
It also suits users who are comfortable with both possible outcomes. If receiving the asset on a “Buy Low” trade would be a problem for you, or if you would regret selling on a “Sell High” trade at the target price, the product may not be the right fit at that moment.
It is important to note that Dual Investment is not principal-protected. The currency you receive at settlement changes depending on market conditions. Read the terms carefully and subscribe only what you are comfortable committing to the full term.
So how do I get started?
You'll need funds in your Earn Account to subscribe. If your balance is in your Funding Account, you can transfer it during the subscription flow directly from the screen without doing a separate transfer first.
Before choosing a product, think through both possible settlement outcomes. Because Dual Investment locks your funds until settlement and doesn't support early redemption, the target price you set should reflect a price level you're genuinely prepared to act at. If receiving the asset at your Buy Low target would be a problem during the term, that's a signal to reconsider either the target or whether this product suits your situation right now.
Understanding the products available
Before subscribing, spend a moment understanding how the table is laid out. You'll see available products listed by coin and direction, with three key columns: Target Price, APR, and Settlement Date.
The relationship between target price and APR is the core thing to read. For a Buy Low product on BTC with the market around $66,655, a target of $66,500 (barely below market) carries an APR in the triple digits because conversion is highly probable. A target of $62,000 (roughly 6.87% below market) carries a much lower APR because it's far less likely to be reached within a short term, so BloFin offers less yield to compensate for the reduced conversion risk you're taking on.
The right target isn't the highest APR. It's the one that reflects where you actually expect, or would be comfortable seeing, the price go.
Choosing between Buy Low and Sell High
As mentioned in the previous section, Buy Low is for when you want to accumulate a crypto asset at a lower price. You deposit USDT and set a target below the current market. If the price reaches your target by settlement, your USDT converts into the asset at that price, plus interest. If it doesn't, you get your USDT back, plus interest.
Sell High is for when you want to take profit on an asset you're holding. You deposit the crypto asset and set a target above the current market. If the price reaches it, your asset converts to USDT at that price, plus interest. If it doesn't, you get your asset back, plus interest.
The direction you choose should reflect your actual intent. Buy Low makes sense if there's a price level at which you'd be happy to add to your position. Sell High makes sense if there's a price level at which you'd be happy to exit part of your holdings.
Choosing a target price
A few things to think through when setting your target.
How far is it from the current price?
A target close to the current price is more likely to be hit, which means conversion is more probable. A target further away is less likely to be hit, meaning you're more likely to get your original asset back with interest. Neither outcome is inherently better. What matters is which one you're genuinely prepared for.
What does the APR reflect?
APR moves in the opposite direction from conversion probability. Closer targets offer higher APRs because the product is more likely to convert. Further targets offer lower APRs because conversion is less likely and you're effectively earning yield on an asset you'd otherwise hold anyway. If you're primarily interested in the yield and prefer not to convert, a further target at a lower APR can be the more conservative approach.
Does the target match your existing view?
The strongest use case for Dual Investment is when you already have a price level in mind. If you've been watching BTC and thinking "I'd add at $65,000," setting that as your Buy Low target means you earn yield while you wait rather than sitting idle. If the target gets hit, you get the entry you wanted. If not, you keep your USDT with interest.
Choosing a settlement date
Shorter terms typically offer higher APRs for a given target price level, because the probability of a large price move is lower in a shorter window. They also mean your funds are locked for less time, which suits traders who want to keep capital flexible.
Longer terms offer more time for the market to reach your target, which can work well for Buy Low products on targets that are meaningfully below the current price. They also tend to carry slightly lower daily yields than shorter terms at equivalent targets.
Choose the duration based on how long you're genuinely comfortable committing your funds. Because early redemption isn't available, a three-day term is meaningfully different from a 30-day term in terms of capital access.
How to subscribe to BloFin Dual Investment
Step 1: Log in to your BloFin account and hover your cursor over the Earn tab in the navigation bar. Then, select Dual Investment.
Step 2: On the Dual Investment page, choose the asset you want to work with (BTC, ETH, or SOL) and select either Buy Low or Sell High.
Step 3: Browse the available products. The table shows all available target prices for that asset and direction, along with the APR and settlement date for each. Use the duration filters if you have a preferred term length.
Step 3: Click the corresponding Subscribe button of the product that matches your target price and term.
Step 4: Enter your subscription amount. For Buy Low, this is a USDT amount. For Sell High, this is an amount in the crypto asset. If you need to transfer funds from your Funding Account, click the transfer icon to do so without leaving the subscription screen.
Step 5: Review the terms. The subscription screen shows your target price, settlement date, APR, and both possible settlement outcomes. Read these carefully, confirm you've agreed to the terms, and click Subscribe to lock in your subscription.
Once confirmed, your assets are locked until the settlement date. There's no way to cancel or modify after this point.
What happens at settlement
On the settlement date, BloFin determines the settlement price based on market conditions at that time and compares it against your target.
For a Buy Low subscription
If the settlement price is at or below your target, your USDT and accrued interest are used to purchase the asset at the target price, and the full amount is credited to your account. If the settlement price is above your target, your original USDT plus the interest earned is credited back.
For a Sell High subscription
If the settlement price is at or above your target, your crypto and accrued interest are converted to USDT at the target price. If the settlement price is below your target, your original crypto plus the interest earned is credited back.
Settlement is automatic. You don't need to take any action. Funds are typically credited within 2 to 6 hours after the settlement time and land in your Earn Account, from where you can transfer to your Funding Account or roll into another Earn product.
Tracking your active subscriptions
From the Dual Investment page, click My Holdings to see all active subscriptions. Each one shows the asset, direction, target price, APR, settlement date, and interest accrued to date. Once a subscription settles, the proceeds appear in your Spot Account balance.
What's next
If you want to keep idle funds working while a Dual Investment subscription runs, Simple Earn Flexible and RWUSD are both worth pairing with it. Both allow redemption at any time and can hold the portion of your balance that isn't locked in Dual Investment.
Frequently asked questions
What is BloFin Dual Investment?
BloFin Dual Investment is a structured savings product that earns you a high APR while pairing your deposit with a market-directional strategy. At settlement, you receive either your original asset or the opposite currency depending on whether the market reaches your target price. You earn the yield regardless of the outcome.
Do I earn interest even if the target price isn't hit?
Yes. Interest is paid regardless of whether the market reaches your target price. The interest rate is fixed at the time of subscription.
Why is the APR on Dual Investment higher than Simple Earn?
The higher rate reflects the additional risk you accept. You are committing to a potential currency conversion depending on market conditions at settlement. In exchange for accepting that outcome, BloFin offers a higher yield than standard savings products.
How do I access Dual Investment on BloFin?
Hover over Earn in the navigation bar and click Dual Investment.
What's the difference between Buy Low and Sell High?
Buy Low: you deposit USDT and set a target below the current price. If the price reaches your target by settlement, your USDT buys the asset at that price. Sell High: you deposit a crypto asset and set a target above the current price. If the price reaches it, your asset converts to USDT at that price. In both cases, you earn the full interest regardless of which outcome occurs.
How do I choose a target price?
The target should reflect a price level you'd genuinely be comfortable converting at. For Buy Low, it's a price at which you'd be happy to add to your position. For Sell High, it's a price at which you'd be happy to sell. Closer targets carry higher APRs because conversion is more probable. Further targets carry lower APRs because conversion is less likely.
Can I redeem my Dual Investment early?
No. Once confirmed, the subscription is locked until the settlement date. There is no early redemption option. Only subscribe funds you're comfortable holding for the full term.
Do I earn interest if the target price isn't reached?
Yes. Interest is paid in full regardless of whether the market reaches your target. The rate is fixed at the time of subscription.
What happens at settlement?
BloFin determines the settlement price at the scheduled time. If the price meets your target, your assets convert into the other currency. If not, your original asset is returned. Interest is included in the settlement amount either way. Funds are typically credited within 2 to 6 hours of the settlement time.
Where do my settled funds go?
Settled funds (principal plus interest) are credited to your Spot Account. From there, you can transfer to your Funding Account for trading or other uses, or roll into another Earn product.
Is Dual Investment principal-protected?
No. The currency you receive at settlement depends on market conditions. While you always receive the full interest, the converted currency may be worth less than your original deposit in market value terms if prices have moved against you after conversion.
Are there any fees?
No additional trading or management fees apply. The costs are incorporated into the APR and the target price offered at the time of subscription.
Can I run multiple Dual Investment subscriptions at the same time?
Yes. You can hold multiple active subscriptions across different assets, directions, target prices, and settlement dates simultaneously.
Disclaimer: This content is for educational purposes only and does not constitute financial, investment, legal, or tax advice. Crypto assets are highly volatile and carry significant risk of loss. Always verify local regulations and consult a qualified professional before making financial decisions.