To enhance users’ returns, LBank has introduced the Earn Interest Boost Coupon, which applies to both Spot Earn (Flexible) and Fixed-Term Earn products. By using a boost coupon when subscribing to an Earn product, users can enjoy an additional annualized yield on top of the product’s base rate, helping assets grow more efficiently. 

Eligible Products & Currencies

Earn Interest Boost Coupons are categorized into Spot Earn Boost Coupons and Fixed-Term Earn Boost Coupons. Eligible currencies, such as USDT, BTC, and ETH, as well as supported product types, are subject to the specific coupon details. Different campaigns may issue coupons with different applicability. 

How Earnings Are Calculated

The additional yield provided by the coupon applies only during the overlapping period between the coupon’s validity and the product’s holding period. Total earnings consist of Base Earnings and Boost Earnings.

Spot Earn (Flexible) — Earnings Calculation

Base Earnings = Subscription Amount × Product Annualized Rate ÷ 365 × Actual Holding Days

Amount Eligible for Boost = the lower of: the minimum snapshot of daily effective holdings, or the coupon cap

Formula

Daily Boost Earnings = Amount Eligible for Boost × Boost Rate ÷ 365

  1. For Spot Earn, daily effective holdings refer to the lowest value recorded across all snapshots taken during the day, rather than the amount at the time of subscription. Fluctuations in holdings may affect the amount eligible for boost.

  2. Example: Subscribe 2,000 USDT to a 3-day Spot Earn product with a 6.1829% APR and apply a 100% APR boost coupon valid for the same 3 days: 

  • Base Earnings ≈ 2,000 × 6.1829% ÷ 365 × 3 ≈ 1.02 USDT 

  • Boost Earnings ≈ 2,000 × 100% ÷ 365 × 3 ≈ 16.44 USDT 

  • Total Earnings for 3 Days ≈ 17.46 USDT

📌Note: After the coupon expires, the funds will continue to accrue interest at the original product rate. Base earnings will not be affected.

Fixed-Term Earn — Earnings Calculation

Amount Eligible for Boost = the lower of: the subscription amount, or the coupon cap

Formula

Actual Boost Days = the shorter of: the product term, or the coupon’s boost duration

Boost Earnings = Amount Eligible for Boost × Boost Rate × Actual Boost Days ÷ 365

  1. Boost Earnings will be distributed together with Base Earnings upon maturity.

  2. Example: Subscribe 15,000 USDT to a 14-day Fixed-Term product and use a boost coupon with a 3% boost rate, 7 boost days, and a 10,000 USDT cap: 

  • Amount Eligible for Boost: Since the subscription amount of 15,000 USDT exceeds the 10,000 USDT cap, the eligible amount is 10,000 USDT.

  • Actual Boost Days: Since the product term is 14 days and the coupon provides 7 boost days, the actual boost period is 7 days.

  • Boost Earnings ≈ 10,000 × 3% × 7 ÷ 365 ≈ 5.75 USDT, which will be settled upon maturity.

Usage Rules

Eligible Amount Range

  1. Each coupon specifies a minimum and maximum eligible amount: 

    • If the subscription amount is below the minimum, the coupon cannot be applied. 

    • If the subscription amount exceeds the maximum, only the amount within the cap will receive the boost rate, while the excess amount will accrue interest at the base rate.

  2. Only one boost coupon can be applied to a single product order at a time, and boost rates cannot be stacked. 

  3. For Spot Earn (Flexible), the system will automatically apply the earliest activated eligible coupon. Newly activated coupons will take effect only after the current coupon expires.

  4. For Fixed-Term Earn, only one coupon can be selected and bound to each order, and it cannot be changed once bound.

  5. Example: If the eligible range is 100–1,000 USDT: 

    • Invest 80 USDT: below the minimum, so the coupon cannot be used. 

    • Invest 500 USDT: the full amount is eligible for the boost.

    • Invest 1,500 USDT: only 1,000 USDT is eligible for the boost, while the remaining 500 USDT will accrue interest at the base rate. 

Time Limits

  1. Each coupon includes three key time dimensions: 

    • Claim Validity: The coupon must be manually claimed and activated within the claim period shown on the coupon. Unclaimed coupons will expire automatically. 

    • Usage Validity: After activation, the coupon must be used for subscription within the validity period. Unused coupons will expire automatically.

    • Boost Duration: Boost interest applies only during the overlapping period between the coupon validity and the product’s actual holding period.

  2. Users are advised to check the coupon expiry time promptly after claiming it to avoid missing the valid usage period.

Redemption Policy

  1. For Spot Earn (Flexible) products, if holdings fall below the coupon’s minimum eligible amount due to redemption, the coupon will automatically become invalid and will not be returned. 

  2. For Fixed-Term Earn products, early redemption is not supported. Please confirm the product term before subscribing. Earnings will be automatically distributed upon maturity.

Auto Earn & Reinvestment

  1. Auto Earn does not apply boost coupons by default. To use a coupon, users need to subscribe manually and apply the coupon during subscription. 

  2. If Auto-Reinvest is enabled after a Fixed-Term product matures, the boost coupon will not carry over to the reinvested order. To continue enjoying the boost, users need to subscribe manually and apply a new coupon. 

How to Activate & Use

  1. After the coupon is distributed to the account, go to「My > Coupon」to view, claim, and activate it manually. Some coupons may be automatically claimed, subject to the coupon details. 

  2. After activation, when an eligible Earn product is selected, the system will automatically apply the boost to the qualifying amount without any additional action. 

  3. When subscribing to a Fixed-Term Earn product, users can manually select a coupon on the subscription page. 

Reminder

Users may obtain Earn Interest Boost Coupons by following official LBank announcements, participating in platform campaigns, or completing designated tasks. Before a coupon expires, the system will send in-app messages and push notifications as reminders. Please check them in time. By using Earn Interest Boost Coupons, users can earn a higher annualized return on idle assets without changing the original product’s risk level or structure. By planning subscription timing and amount properly and using coupons efficiently, users can improve capital efficiency during the holding period and steadily increase overall returns.