Farewell to the FOMO era, as crypto finance enters the track of long-termism: A 15-month revelation from the Huobi earning wave

The cyclical rotation of the cryptocurrency market is essentially a game of funds and human nature.

The MEME frenzy, hot topic rotations, leveraged speculation, and wealth myths continuously stimulate market sentiment. However, as the market enters a volatile cycle, more and more investors begin to reassess their asset allocation strategies. Compared to chasing short-term hot topics, how to achieve sustainable returns while controlling risks has become a more pressing concern for many users.

Over the past year, the behavior of cryptocurrency users has been changing: the proportion of stablecoin holdings has increased, the duration of fund retention has lengthened, and the demand for liquidity management tools among high-net-worth users has significantly risen. More than 600,000 users have chosen to subscribe to Huobi HTX's earning products, with a year-on-year growth of 66.47%, reflecting this trend.

Stablecoin Interest Matrix Formed: Seeking Certainty in Returns

For investors holding stablecoins, the safety of funds, liquidity, and stability of returns are often the three most important considerations.

During periods of increased market volatility and unclear direction, more users are beginning to allocate part of their funds to stablecoin interest-earning products, hoping to achieve certain returns while maintaining liquidity.

In response to this demand, Huobi's earning products have gradually formed an interest-earning system covering mainstream stablecoins such as USDT, USDD, USDC, U, USDe, and USAT, supporting deposits and withdrawals at any time with transparent returns.

Among them, thanks to the ecological influence of Sun Yuchen, USDD interest-earning has become one of the most representative stablecoin earning products on Huobi HTX. Even after the "1011 incident," its 4%--6% APY still maintains a significant competitive advantage compared to the industry average annual yield of 1%--5%.

According to user feedback, at the product's launch, Huobi HTX quickly established market recognition through a limited-time 20% APY; it then gradually stabilized returns in the range of 8%--12% and launched a 1:1 no-slippage direct subscription function for USDD with USDT to lower participation thresholds and fund friction costs.

In addition to USDD, Huobi's earning products have also launched $U interest-earning products and continue to introduce phased interest rate hikes for mainstream stablecoins such as USDT and USDC; at the same time, a "new user exclusive" benefit channel has been established, allowing new users to enjoy up to 100% annualized returns on these products.

Data indicates that users are allocating more funds to stablecoin interest-earning assets.

According to relevant data from Huobi HTX, by mid-2025, the asset scale of its USDT users will exceed $1.8 billion, with the annual USDT reserve ratio rising to around 150%. By May 2026, the platform's stablecoin assets saw a month-on-month surge of 11.46%.

This change is highly consistent with the trend of users seeking certainty in returns and reducing exposure to volatility risk in a turbulent market environment.

20% Interest Rate Subsidy: Finding Balance Between Stability and Hot Topics

For users who wish to maintain a stable position while not missing out on hot narratives, directly participating in secondary market speculation often comes with high volatility risks. Huobi's 20% interest rate subsidy mechanism provides users with an alternative way to participate.

Since the second half of 2025, the privacy sector has shown obvious signs of a phase recovery, with increased market attention on privacy computing, on-chain anonymity, and data security-related assets. Huobi's earning products timely launched a "Hot New Coin Earning Interest Rate Hike Event."

Users participating in earning products for popular new coins like XMR, ZEC, DASH, FHE, ZKP, and DUSK can receive additional interest rate subsidies on top of the base returns, with a comprehensive annualized return rate reaching up to 20%.

For users, this model can buffer price volatility risks to some extent through certain interest income while focusing on hot sectors and maintaining asset stability.

Currently, the effectiveness of this logic is being validated by the market. According to CMC data, in mid-May 2026, Huobi HTX once again ranked first globally in net fund inflows among exchanges over a seven-day period. Meanwhile, the platform's total user returns increased by 31.52% year-on-year.

VIP Interest-earning: Enhancing Fund Efficiency for High-net-worth Users

As the cryptocurrency industry matures, high-net-worth and institutional users are increasingly focusing on fund utilization efficiency and liquidity management.

To this end, Huobi HTX officially launched the VIP interest-earning product in March this year, open to users at Prime level 5 and above. The higher the user level, the more generous the interest earnings.

Additionally, users can use the "automatic subscription" feature to prioritize transferring idle balances from their spot accounts into VIP interest-earning; once the VIP limit is reached, funds will automatically flow into regular interest-earning products, maximizing the utilization efficiency of idle assets and achieving continuous accumulation of returns.

In the initial phase of the product launch, Prime 5--7 users can enjoy a 6% annual yield; Prime 8--9 users see an increase to 7%; and Prime 10--11 users can unlock up to 9% annual yield, significantly higher than the mainstream stablecoin earning products in the market during the same period.

Since its launch, nearly a thousand high-net-worth users have chosen Huobi's VIP interest-earning products. Clearly, more users are beginning to pay attention to the long-term management efficiency of idle funds, and products that combine liquidity and yield are gaining more favor.

From Trading Mindset to Allocation Mindset

FOMO has never truly disappeared, but market participants are becoming more mature.

As stable returns, fund efficiency, and risk management become core issues of concern for more users, cryptocurrency finance is gradually evolving from a purely trading market into a complete wealth management market.

The development trajectory of Huobi's earning products over the past 15 months not only reflects the growth of a business but also mirrors the changes in cryptocurrency users' investment behaviors. The product system centered around long-term holding, stable returns, and fund efficiency may become an important direction for industry competition in the next phase.

About Huobi HTX

Huobi HTX was established in 2013 and has evolved over 13 years from a cryptocurrency exchange into a comprehensive blockchain business ecosystem, covering digital asset trading, financial derivatives, research, investment, incubation, and other businesses.

As a leading global Web3 portal, Huobi HTX adheres to a development strategy of global expansion, ecological prosperity, wealth effects, and safety compliance, providing comprehensive, safe, and reliable value and services for virtual currency enthusiasts worldwide.