Dual Investment is a unique structured product on Binance with attractive yields but special rules. Register a Binance account to see actual product details, and get the Binance app to check the latest dual investment offerings anytime.
What Is Dual Investment
Dual Investment is a structured earn product. You deposit one currency, and at maturity, settlement occurs in either the original currency or another currency based on the market price relative to a target price — with enhanced yield in either outcome.
Simply put: you set a target price at which you're willing to buy or sell. If the market hits that price at maturity, you transact at the target price; if not, you get your original currency back. Both outcomes earn you bonus interest.
Two Basic Types
"Sell High" Type
For crypto holders:
- You deposit BTC (or ETH, etc.)
- Set a target price above the current price (e.g., BTC is at 65,000, target 70,000)
- Choose a settlement date
At maturity:
- If BTC price >= 70,000: Your BTC is sold at 70,000, you receive USDT + enhanced yield
- If BTC price < 70,000: You get your BTC back + enhanced yield (in BTC)
"Buy Low" Type
For stablecoin holders looking to buy the dip:
- You deposit USDT
- Set a target price below current price (e.g., BTC at 65,000, target 60,000)
- Choose a settlement date
At maturity:
- If BTC price <= 60,000: Your USDT buys BTC at 60,000 + enhanced yield
- If BTC price > 60,000: You get your USDT back + enhanced yield (in USDT)
How the Profit Mechanism Works
Where does the enhanced yield come from? Essentially, participating in Dual Investment means selling an option.
- "Sell High" = selling a call option
- "Buy Low" = selling a put option
The premium paid by the option buyer becomes your enhanced yield. Higher market volatility and longer time to settlement mean higher option value and better yield for you.
You don't need to fully understand options — just remember: you're trading "the obligation to transact at a certain price" for guaranteed returns.
Practical Examples
Example 1: "Sell High"
- Deposit 1 BTC, current price 65,000 USDT
- Target price: 70,000 USDT
- Duration: 7 days
- Annualized yield: 50%
Two outcomes after 7 days:
Result A (BTC at 72,000, above target):
- Your 1 BTC sold at 70,000 = 70,000 USDT
- Enhanced yield: 70,000 x 50% x 7/365 = ~671 USDT
- Total received: 70,671 USDT
- You missed 2,000 USDT in upside, but locked in 671 USDT in enhanced yield
Result B (BTC at 63,000, below target):
- Get back 1 BTC
- Enhanced yield: 1 x 50% x 7/365 = ~0.0096 BTC
- Total received: 1.0096 BTC
- BTC dropped, but you earned 0.0096 BTC in interest
Example 2: "Buy Low"
- Deposit 10,000 USDT
- Target price: 60,000 USDT (to buy BTC)
- Duration: 14 days
- Annualized yield: 30%
Two outcomes after 14 days:
Result A (BTC at 58,000, below target):
- Your USDT buys BTC at 60,000 = 0.1667 BTC
- Enhanced yield: 0.1667 x 30% x 14/365 = ~0.0019 BTC
- Total received: 0.1686 BTC
Result B (BTC at 68,000, above target):
- Get back 10,000 USDT
- Enhanced yield: 10,000 x 30% x 14/365 = ~115 USDT
- Total received: 10,115 USDT
Who Is Dual Investment For
"Sell High" suits:
- Crypto holders willing to take profit at a target price
- Those who won't regret selling even if prices continue rising
- Those wanting extra yield while holding
"Buy Low" suits:
- Those wanting to buy a coin but thinking current prices are too high
- Those willing to buy at a target low price
- Those happy with just interest if the price doesn't drop enough
Risk Warnings
- Missed larger gains: In Sell High, if prices far exceed the target, you settled at a lower price
- Forced buying: In Buy Low, if prices crash far below target, you're forced to buy at a relatively high price
- Locked funds: Assets cannot be redeemed before maturity
- Currency conversion: You may receive a different currency at maturity — be mentally prepared
Usage Tips
- Set target prices at levels where you'd naturally plan to buy or sell
- Use idle funds — don't let it disrupt your normal trading plans
- Consider the relationship between annualized yield and duration — shorter terms offer better liquidity
- Participate in consecutive rounds for cumulative returns
- Don't be dazzled by ultra-high annualized yields — carefully evaluate whether both outcomes are acceptable
Dual Investment is an elegantly designed tool that can generate extra returns while holding or waiting to buy. The key is understanding both possible outcomes and making sure you're comfortable with either one.