Every cycle shift in the crypto market is, at its core, a博弈 between capital and human nature.

MEME frenzies, rotating hot sectors, leveraged speculation, and wealth myths continuously stimulate market sentiment. Yet as the market enters a consolidation phase, an increasing number of investors are reassessing their asset allocation strategies. Rather than chasing short-term trends, how to achieve sustained returns while managing risk has become a top priority for many users.

Over the past year and more, crypto user behavior has been evolving: stablecoin holdings have increased as a share of total assets; fund retention periods have lengthened; and high-net-worth users’ demand for liquidity management tools has risen significantly. More than 600,000 users have subscribed to HTX’s Earn products—representing a 66.47% year-on-year growth in scale—illustrating this broader trend.

Stablecoin Demand-Deposit Matrix Takes Shape: Seeking Predictable Returns

For stablecoin holders, capital safety, liquidity, and yield stability are typically the three most critical considerations.

During periods of heightened market volatility and unclear directional signals, more users are allocating portions of their capital into stablecoin yield products—seeking predictable returns without sacrificing liquidity.

In response to this demand, HTX Earn has gradually built a comprehensive demand-deposit yield ecosystem covering major stablecoins including USDT, USDD, USDC, $U, USDe, and USAT—all supporting instant deposits and withdrawals with transparent yields.

Among these, USDD demand-deposit—bolstered by Justin Sun’s ecosystem influence—has emerged as one of HTX’s most representative stablecoin earn offerings. Even following the “1011 incident,” its 4%–6% APY remains highly competitive against the industry-wide average of 1%–5%.

According to user feedback, HTX initially established market awareness through a time-limited 20% APY promotion; it then stabilized yields within an 8%–12% range and launched a 1:1, zero-slippage USDT-to-USDD direct subscription feature—lowering participation barriers and reducing friction costs.

Beyond USDD, HTX Earn has also launched a $U demand-deposit product and rolled out periodic yield-boost campaigns for mainstream stablecoins like USDT and USDC. It additionally introduced a “New User Exclusive” channel, offering new users up to 100% annualized yield on select products.

Data indicates users are increasingly allocating funds toward stablecoin yield-bearing assets.

According to HTX’s internal data, USDT user assets surpassed $1.8 billion in mid-2025, with the platform’s USDT reserve ratio rising to approximately 150% for the full year. By May 2026, stablecoin assets on the platform surged 11.46% month-on-month.

This shift aligns closely with users’ broader trend of seeking predictable returns and reducing exposure to price volatility amid consolidation.

20% Yield Boost: Balancing Stability and Market Narratives

For users aiming to maintain conservative positions while still participating in emerging narratives, direct exposure to secondary-market trading often entails substantial volatility risk. HTX Earn’s 20% yield-boost mechanism offers an alternative pathway.

Since the second half of 2025, the privacy sector has shown clear signs of cyclical recovery, with growing market attention focused on privacy computing, on-chain anonymity, and data security-related assets. HTX Earn timely launched its “Hot New Token Earn Bonus Campaign.”

Users subscribing to yield products for XMR, ZEC, DASH, FHE, ZKP, and DUSK can receive additional interest subsidies on top of base yields—achieving combined APYs of up to 20%.

For users, this model buffers price volatility risk through guaranteed interest income—allowing them to stay engaged with trending sectors while preserving portfolio stability.

The efficacy of this approach is now being validated by market data. According to CoinMarketCap (CMC), HTX ranked #1 globally in net fund inflows over the past 7 days in mid-May 2026. Concurrently, platform-wide user returns grew 31.52% year-on-year.

VIP Demand-Deposit: Optimizing Capital Efficiency for High-Net-Worth Users

As the crypto industry matures, high-net-worth and institutional users are placing greater emphasis on capital utilization efficiency and liquidity management.

To address this, HTX officially launched its VIP Demand-Deposit product in March this year, available exclusively to Prime 5+ tier users. Higher membership tiers unlock progressively better demand-deposit yields.

Additionally, users may enable the “Auto-Subscription” feature to automatically allocate idle spot account balances into VIP Demand-Deposit first; once the VIP quota is reached, surplus funds seamlessly roll over into standard demand-deposit products—maximizing idle asset utilization and enabling continuous yield accrual.

At launch, Prime 5–7 users received 6% APY; Prime 8–9 users earned 7% APY; and Prime 10–11 users unlocked the highest tier—9% APY—significantly exceeding industry benchmarks for mainstream stablecoin earn products.

Since launch, nearly one thousand high-net-worth users have adopted HTX Earn’s VIP Demand-Deposit product. Clearly, more users are prioritizing long-term management efficiency for idle capital—and products combining liquidity with attractive yields are gaining broader traction.

From Trading Mindset to Allocation Mindset

FOMO never truly disappears—but market participants are maturing.

As predictable returns, capital efficiency, and risk management rise to the forefront of user priorities, crypto finance is evolving beyond a pure trading venue into a comprehensive wealth management ecosystem.

HTX Earn’s development trajectory over the past 15 months reflects not only business growth but also a fundamental shift in crypto investor behavior. A product suite anchored in long-term holding, stable returns, and capital efficiency may well define the next phase of industry competition.

About HTX

Founded in 2013, HTX has evolved over 13 years from a cryptocurrency exchange into a comprehensive blockchain business ecosystem—spanning digital asset trading, financial derivatives, research, investment, incubation, and other services.

As a leading global Web3 gateway, HTX pursues a strategic vision centered on global expansion, ecosystem prosperity, wealth creation, and security & compliance—delivering comprehensive, secure, and reliable value and services to cryptocurrency enthusiasts worldwide.

For more information about HTX, please visit https://www.htx.com/ or HTX Square, and follow us on X, Telegram, and Discord. For further inquiries, please contact [email protected].