The crypto narrative of the past decade has been driven by FOMO.

Chasing the rise in the bull market, waiting and watching in the bear market, and rotating hot spots... The vast majority of users' assets in the exchange are either fluctuating frequently or sleeping inefficiently.

But since entering 2025, a subtle but clear change is taking place: the market value of stablecoins continues to hit new highs, and the scale of making money on the chain is crossing the cycle. More and more users are beginning to pay attention to a question: Can my encrypted assets be carefully "managed" like traditional assets?

Behind this change, it actually means that crypto finance is gradually moving from "high-risk game" to the era of "long-term asset allocation".

Changing user needs are also reshaping the role of exchanges: trading platforms are no longer just asset matching and liquidity centers, but have begun to evolve into long-term asset management portals for users after entering the crypto world.

In the past 15 months, Huobi HTX’s coin-earning business has undergone a series of product evolutions, revenue system adjustments, and asset structure optimization, which essentially revolve around the same core proposition: When the industry gradually enters the stage of long-termism, what capabilities and forms should a truly mature exchange’s coin-earning business have?

Four options for earning money on Huobi

• Return "certainty" to users

There is no shortage of high-yield narratives in the crypto world. What is truly scarce are steady returns that can survive cycles and withstand risk verification.

Over the past year or so, Huobi Money has continued to build stablecoin current products as its underlying core capabilities. Focusing on mainstream stablecoins such as USDT, USDD, USDC, USDE, and USAT, the platform has gradually formed a basic income system of "low threshold, strong liquidity, transparent income, and deposit and withdrawal".

USDD current product is one of the most representative cases of this strategy.

In the first quarter of 2025, the market entered a period of shock and correction. The volatility of mainstream assets has intensified, user risk preferences have significantly declined, and a large amount of funds have begun to shift from high-frequency trading to stable income management. After Huobi HTX captured this change, it joined forces with TRON to launch USDD high-interest current products in an attempt to provide a differentiated income solution in the stablecoin track.

Different from the traditional USDT and USDC products that are positioned as "low volatility and low yield", USDD, as the core stablecoin of the TRON ecosystem, has formed a combination of "high interest income + seamless exchange + high liquidity" with the support of Huobi HTX's trading depth and liquidity, which more accurately addresses the core pain point of users who "want to earn interest but are worried about market fluctuations and exchange losses."

In the early days of product launch, Huobi HTX quickly established market awareness through a limited-time 20% APY; later, it gradually stabilized the subsidy at 8%-12%, and supported USDT 1:1 direct purchase of USDD without slippage, significantly reducing users' operating thresholds and financial friction costs.

This also means that users no longer need to bear complex exchange costs, nor do they have to sacrifice liquidity for returns. The design of demand deposit, hourly compound interest, and real-time payment enhances the efficiency of fund use.

From a deeper product logic point of view, what Huobi HTX really wants to solve is a core problem that has existed in the crypto market for a long time: how to make stablecoins truly become "cash management tools" in the crypto world, so that crypto assets can have the deterministic experience of "monetary funds" in traditional finance.

Today, USDD current has become one of Huobi HTX’s core stablecoin earning products. Compared with the industry's general annualized rate of return of 1%-5%, its APY of 4%-6% still maintains a significant competitive advantage.

• Leave the "risk" to yourself

In the world of crypto-finance, high returns are often accompanied by liquidity risks. The cruel thing about the market is that when the market plunges violently and panic spreads, it is often the moment when users are most in need of funds and are prone to stampedes. The risk-free event of Huobi HTX earning coins for 15 months is also the most noteworthy thing at this stage.

The reason behind this is Huobi HTX’s 13 years of safe operation and its in-depth risk control work on the capital mechanism, including: dynamic liquidity management, subscription and redemption stress testing, income pool risk isolation, etc., to ensure that users can normally subscribe, redeem and obtain income under different market environments.

In addition, Huobi HTX has publicly disclosed Merkel tree reserve certificate data for 43 consecutive months so far, using a continuous and transparent asset disclosure mechanism to combat trust anxiety in the industry cycle. After all, for Huobi HTX: the scale can be expanded, but risk control and security are always the bottom line that cannot be compromised.

In popular asset products such as $TRUMP current deposits, this risk control capability faces higher challenges.

As a typical PolitiFi asset, the price trend of $TRUMP is highly linked to market sentiment, political events and Meme spread, and its volatility is much higher than that of traditional mainstream assets. The difficulty of this type of product is not just the income design itself, but how to balance user liquidity needs, position holding experience and platform fund stability in a highly volatile environment.

The core idea adopted by Huobi HTX is: "hot assets + income subsidies".

On the basis of retaining the current mechanism, the platform provides users with an asset management experience of "earning while holding" through additional income subsidies. Users can not only maintain the ability to participate in hot market trends, but also continue to obtain profits during the holding period, thereby reducing the opportunity cost and short-term selling pressure in the pure currency holding state.

• Give "choice" to different users

The stratification of crypto users is more obvious than that of traditional finance: large customers pursue tailor-made services, retail investors care about convenience and transparency, and new users need friendly guidance.

In the past 15 months, Huobi Earn Money has completed the construction of three major product matrices:

• Earn coins simply: Covering 300+ currencies, one-click operation for fixed current period, meeting the needs of inclusive users;

• Structured products: including strategic products such as shark fins to serve advanced income needs;

• Earn coins on the chain: Yubibao has been upgraded to expand on-chain revenue scenarios.

In this evolution from "inclusive financial management" to "refined hierarchical asset management", the "VIP current" product tailored for high-net-worth individuals is undoubtedly a landmark step.

In 2026, market shocks and structural opportunities coexist, while ordinary demand income continues to decline. A large number of high-net-worth users are in a dilemma: large amounts of idle funds have low returns, and they must sacrifice liquidity in pursuit of high interest rates.

Having insight into this, Huobi HTX decisively launched the USDT VIP current product, which is deeply tied to the Prime membership system. The maximum annualized rate can reach 9%, far exceeding the market level of less than 2% for ordinary current products during the same period.

More importantly, the product still adheres to the current mechanism: it supports deposits and withdrawals at any time, hourly compound interest, and automatic subscription, allowing large amounts of funds to obtain higher returns while still maintaining liquidity.

From inclusive current deposits to VIP exclusives, from standardized strategy products to on-chain scenario extensions, Huobi Earn Money has built a complete asset management system covering different risk preferences, capital volumes and income needs, allowing each type of user to find an allocation method that truly suits them.

• Connect "earning coins" and "trading"

For a long time in the past, the industry’s understanding of the coin-earning business was more about “increasing the value of idle funds.” But Huobi HTX is trying to define earning money as the fund management center in the entire trading ecosystem.

Based on this idea, Huobi HTX has proposed a very clear user path: "Trade when the market is there, earn coins when there is no market", that is, through automatic currency earning, directional equity, and transaction-earning currency integrated experience, assets are always in a state of high efficiency.

For users, every asset is no longer idle; for the industry, this positive internal cycle of "currency listing - trading - financial management" may be the ultimate direction for the evolution of future exchange forms.

15 months of precipitation: long-termism engraved in “genes”

In the past 15 months, Huobi HTX’s coin-earning business has continued to grow, with the total number of subscription users exceeding 600,000, a year-on-year increase of 66.47%; the total subscription amount increased by 31.39% year-on-year; and total user revenue increased by 31.52% year-on-year. A number of core indicators hit new stage highs, leaving a sample worthy of attention for the development of long-term income products in the encryption industry.

First of all, it is the continuous expansion and improvement of the product system. At present, Huobi's currency earning has covered 300+ currencies, and a total of 390+ currency earning projects have been launched, gradually forming a complete product matrix covering stable coins, mainstream assets, hot assets and on-chain income scenarios. Correspondingly, the cumulative management scale of fixed-term products on the platform has reached billions of dollars, and the scale of core stablecoins has achieved double-digit growth for four consecutive quarters.

Structured products also maintain rapid growth. Shark fin products have been held for a total of 292 times, with a cumulative subscription scale of nearly US$1 billion.

At the same time, Huobi HTX is also continuously strengthening the linkage ability between the coin-earning business and the platform ecology.

In the past year, the platform has held a total of 13 "Coin Earning Day" events, attracting tens of thousands of users to participate and bringing in tens of millions of dollars in net capital inflows. Coupled with operational mechanisms such as Launchpool airdrops and popular asset linkage, the coin-earning business has begun to assume more important functions of user retention and capital accumulation. Data shows that from October 11, 2025 to the end of the year, the scale of stable currency sinking increased by 64.15%. During the 8 Launchpool events, nearly 300,000 users participated.

More important than growth is stability.

As of now, Huobi Earn has maintained zero risk events for 15 consecutive months.

It is true that in a market full of FOMO emotions and accustomed to making quick money, when a business sector is willing to fight for bottom-level risk control, is willing to spend patience to polish the product matrix, and is willing to truly bend down and listen to users' asset anxiety, the "difficult but correct" path of long-termism is not only feasible, but also can explode with amazing business potential.

Write at the end

The crypto industry is re-screening players in every cycle.

In the FOMO era, the person who wins is the person who tells the best story; in the era of long-termism, the person who understands users best, is the most risk-averse, and has the most patience wins.

Huobi HTX believes that crypto finance is entering a more mature stage of development; it believes that users deserve long-term and serious service; and it also believes that compared with short-term hustle and bustle, stability, transparency and sustainability are the abilities that can truly transcend cycles.

In the next 15 months, Huobi’s currency earning will continue along this path.

About Huobi HTX

Huobi HTX was established in 2013. After 12 years of development, it has evolved from a cryptocurrency exchange into a comprehensive blockchain business ecosystem, covering digital asset trading, financial derivatives, research, investment, incubation and other businesses.

As the world's leading Web3 portal, Huobi HTX adheres to the development strategy of global expansion, ecological prosperity, wealth effect, and security compliance, and provides comprehensive, safe, and reliable value and services to virtual currency enthusiasts around the world.