# Earn

#### I. Overview

\[Lending to Earn] is a low-risk wealth management product launched by BitFrog. Users can lend USDT to the platform for trading funding services. The platform calculates and distributes daily earnings based on actual fund usage, and the earnings are automatically settled to the user's account.

#### II. Steps

**Complete the Risk Assessment**

Before using the feature for the first time, the system will guide you through a risk assessment quiz. After completing the quiz, you will be able to use the lending feature.

**Select the Lending Currency**

Go to the \[Lending to Earn] page. Currently, USDT is supported.\
The page will display the reference annualized yield range in real time. The yield is dynamically adjusted based on the BTC funding rate.

**Enter Lending Information**

Click \[Lend Now] to go to the details page. Enter the lending amount (minimum 10 USDT). Read and check the box to agree to the *Lending to Earn Agreement*, then click \[Lend Now].

**Check Lending Status and Earnings**

After a successful lending, you can view the information on the \[Current Lending] page, including the lending amount, earnings, real-time interest rate, and lending time.\
Click on a single record to go to \[Lending Details] and view the daily interest settlement breakdown.\
The platform settles interest at a fixed time each day.

**Redeem Your Lending**

The lending product has a 60-day lock-up period. After the lock-up period ends, you can choose from two redemption methods:

1. **Redeem**\
   After the lock-up period ends, click "Redeem" and the funds in the redemption queue will be returned to your account immediately. If the queued funds have not yet been returned, the Redeem button will be disabled.
2. **Scheduled Redemption**\
   The system will automatically place you in a queue. When the borrowing user repays the loan, the system will automatically execute the redemption. The redemption status will remain as "Redeeming" on the \[Lending Details] page until the redemption is complete and the funds are credited.

**III. Earnings and Security Description**

* The lent funds will be matched by BitFrog and lent to trading users who need leverage. You will earn income at the agreed interest rate.
* The yield is linked to the Binance BTC/USDT Perpetual Contract funding rate and is limited to an annualized range of 9.98%–19.97%.
* To maximize the safety of lent funds, the platform will force-liquidate the borrowing user's position before their margin is depleted.

**Disclaimer:** BitFrog reserves the right to modify, change, or cancel this announcement at any time for any reason, without prior notice, at its sole discretion.


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