FameEX Earn Rules: APR, Tiered APR, Auto-Subscribe, and Auto-Renew

The FameEX Earn product shows the APR, estimated earnings, interest start time, and interest distribution method. Some Flexible Products may use a tiered APR and support Auto-Subscribe. Fixed Products may support Auto-Renew.

1. What Is APR?

APR stands for Annual Percentage Rate. It represents a product’s estimated annualized return based on a one-year period. APR does not mean that users will earn the same percentage during their actual holding period. Actual earnings depend on the subscription amount, holding period, applicable APR, and the product’s interest calculation rules.

*Estimated hourly earnings for Flexible Products:

Estimated hourly earnings = Interest amount × APR ÷ 365 ÷ 24

*Estimated daily earnings for Fixed Products:

Estimated daily earnings = Interest amount × APR ÷ 365

These calculations are for reference only. Final earnings are based on the amount actually distributed. FameEX Flexible Products distribute interest hourly by default. Fixed Products distribute interest daily by default.

2. What Is Tiered APR?

Some Flexible Products may use a tiered APR. Under this model, different portions of the interest amount are calculated at different annual percentage rates. The entire holding is not calculated using a single APR. FameEX currently supports up to three APR tiers.

For example, a Flexible Product may use the following tiered APR:

0–300 USDT: 8%

Amount above 300 USDT: 0.32%

For an interest amount of 500 USDT, the first 300 USDT is calculated at an 8% APR. The remaining 200 USDT is calculated at a 0.32% APR. The estimated earnings for the calculation period are the combined earnings from both tiers.

3. How Do APR Adjustments Affect Flexible and Fixed Products?

Flexible Products: After an APR adjustment, all existing subscriptions in the Flexible product will use the new APR from the next hourly interest calculation period.

Fixed Products: An APR adjustment does not affect subscriptions completed before the change. Existing subscriptions continue to earn interest at the APR applied when they were made. Only new subscriptions completed after the adjustment will use the new APR.

Therefore, the APR shown on the product page represents the estimated annual percentage rate currently in effect. The APR of a Flexible Product may change during the holding period. Each Fixed Product subscription uses the APR applicable when that subscription is completed.

4. What Should You Know Before Using FameEX Earn?

Before subscribing to an Earn Product, review the APR, subscription limits, earnings calculations, redemption rules, and automatic features. This will help you select a suitable product and manage your account assets based on your funding needs.

• APR Does Not Represent Fixed Returns

The APR shown on the product page is an estimated annual percentage rate. It may change based on product settings and market conditions. Final earnings are based on the amount actually distributed.

• Products May Have Subscription Limits

Each product may have a minimum subscription amount, personal subscription limit, total product quota, and subscription precision requirement. Once the product quota is filled, the product may be marked as Sold Out and stop accepting new subscriptions.

• Early Redemption of a Fixed Product Affects the Principal Returned

When a Fixed Product is redeemed before maturity, all interest already distributed for that subscription will be deducted from the principal. The remaining assets will then be credited to the Spot Account. Review the deduction amount before confirming the redemption.

• Estimated Earnings May Differ From Actual Earnings

The estimated earnings shown on the product page are calculated using the current APR, the entered amount, and the default interest calculation method. Actual earnings may be affected by APR adjustments, tiered APR, changes in holdings, calculation precision, and the actual interest amount.

• Interest Start and Distribution Times May Vary Slightly

The interest start time and distribution time shown on the product page are for reference only. Actual crediting may be slightly delayed due to system processing or network conditions.

• Reserve Sufficient Assets Before Enabling Automatic Features

Before enabling Auto-Subscribe or Auto-Renew, review your account funding arrangements. Keep sufficient assets available for trading, withdrawals, margin requirements, and other intended uses.

APR is an indicator used to express a product’s estimated annualized return. It does not represent fixed returns or the exact earnings a user will receive during the actual holding period. Some Flexible Products may use a tiered APR and calculate earnings separately across different interest amount ranges. Flexible Products may support Auto-Subscribe, while Fixed Products may support Auto-Renew.

*Before using these features, carefully review the current APR, tier ranges, minimum subscription amount, subscription limits, interest start time, distribution method, and early redemption rules. Select products based on your own funding needs.