> For the complete documentation index, see [llms.txt](https://exbit-1.gitbook.io/exbit-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://exbit-1.gitbook.io/exbit-docs/shou-ye/exbit-li-cai-zheng-shi-shang-xian-si-da-zhu-liu-bi-zhong-huo-qi-+-ding-qi-apr-zui-gao-16.md).
# EXBit理财正式上线！四大主流币种，活期+定期，APR最高16%
尊敬的EXBit用户：
我们非常荣幸地向您宣布——EXBit理财板块将于8月12日正式上线，首发即带来覆盖**USDT、USDC、BTC、ETH**四大主流资产的理财服务，同步推出**活期理财**与**定期理财**两大产品线，兼顾灵活性与收益性，为您打造一站式数字资产增值平台。
#### 核心亮点
**全品类覆盖，配置更高效**
稳定币与主流加密资产一站汇聚，无需跨平台操作，即可统一管理您的数字资产组合。
**灵活与收益兼得**
* 活期产品：随存随取，资金灵活调用；
* 定期产品：提供30、60、90、180天等多种锁定期限，满足不同收益预期，锁定更高回报。
**阶梯收益，领先行业水平**
小额资产即享优厚利率，例如：
* USDT活期（持仓 ≤ 200）：**16% APR**
* USDC活期（持仓 ≤ 200）：**8% APR**
* ETH活期（持仓 ≤ 0.1）：**6% APR**
更多大额梯度利率，请登录产品页详阅。
**低门槛，高容量**
最低起投仅需 **10 USDT** 或等值 **0.0001 BTC / 0.01 ETH**，单账户最高理财额度可达千万级，无论是刚入门还是资深投资者，均可轻松参与。
#### 立即体验
登录 EXBit 官网或移动端 APP，点击**【理财】**栏目，选择适合您的产品，即刻开启财富增长之旅。
EXBit 将持续以安全、透明、高效为基石，为您的每一份资产创造长期价值。
**风险提示**
数字资产理财受市场波动影响，历史收益不代表未来表现。请您在充分了解产品规则后，根据自身风险承受能力理性决策，审慎参与。\
如有疑问，欢迎随时联系客服团队。
EXBit 团队
2026年8月
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# Agent Instructions
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