
Flexi Investment adalah salah satu produk yang paling populer Mobee yang memungkinkan pengguna untuk mendapatkan imbal hasil dari kepemilikan kripto. Dengan Flexi Investment, Anda dapat menginvestasikan berbagai mata uang kripto seperti USDC, USDT, ETH, SOL, dan lainnya, dan mulai mendapatkan keuntungan yang bisa ditarik kapan saja.
Darimana Mobee mendapatkan yield?
Imbal hasil Flexi Investment berasal dari berbagai sumber yang dikelola dengan cermat. Pertama, sebagian imbal hasil diperoleh dari investasi dalam surat utang negara (Treasury Bills) yang memberikan keuntungan stabil dan aman. Kedua, kami memanfaatkan DeFi Lending, yaitu proses meminjamkan aset kripto melalui platform Decentralized Finance (DeFi) untuk mendapatkan bunga dari peminjam. Ketiga, imbal hasil juga berasal dari staking, yaitu mengunci aset kripto dalam jaringan blockchain untuk mendukung operasi jaringan dan menerima imbal hasil sebagai kompensasi.
Semua ini diawasi oleh manajer keuangan handal yang mengatur segala risiko sambil memaksimalkan return dari aset yang Anda miliki, memastikan investasi Anda dikelola dengan aman dan efisien.
1) Buy Low - BTC: Buying the Dip
Select a strike price that you’d like to buy BTC. If it’s doesn’t fall to your strike price at the end of the term, you’ll earn USDT. If falls to the strike price or lower, you’ll buy BTC at a lower price than today’s current price and earn extra BTC.
Scenario 1: If the expiration price ≤ strike price, you’ll buy BTC at the strike price and earn yield in BTC.
Why is this good: You can buy BTC at lower price and sell high later for profits.
Scenario 2: If the expiration price > strike price, you’ll keep original USDT and earn yield in USDT.
Why is this good: You can accumulate more USDT through yields at a much higher interest rate than existing alternatives.
2) Sell High - BTC: Selling the Rip
Select a strike price that you’d like to sell BTC. If it’s doesn’t reach to your strike price at the end of the term, you’ll earn BTC. If reaches to the strike price or higher, you’ll sell BTC at the strike price and earn extra USDT.
Scenario 1: If the expiration price < strike price, you’ll keep original BTC and earn yield in BTC
Why is this good: You can accumulate more BTC through yields at a much higher interest rate than existing alternatives.
Scenario 2: If the expiration price ≥ strike price, you’ll sell BTC at the strike price and earn yield in USDT.
Why is this good: You can sell BTC at higher price for profit and have more USDT to buy BTC again at lower price.
This product is suitable for advanced or basic traders who want to get extra yield, there are various reasons to use Dual Investment. Here are some common investment strategies using Dual Investment:
1) Take profit: Selling your asset (BTC/ETH) with a Strike Price to gain investment gains, while also getting extra yield.
2) Buy the dips: Buying an asset (BTC/ETH) with a Strike Price when the market price drops, and getting Interest Yield.
3) Accumulate crypto: You have an asset (BTC/ETH) and want to get extra yield while holding it.
4) Accumulate stablecoin: You have stablecoins (USDT/USDC) and want to get extra yield while holding them.
The Buying Low product gives you the opportunity to purchase the asset you want (such as BTC) at a lower price in the future using stablecoins (USDT).
There are two scenarios:
1) If the Market Price is below or close to the Strike Price at the Maturity Date, the asset (BTC) will be purchased.
2) If the Market Price is above the Strike Price at the Maturity Date, you will continue to hold the stablecoins (USDT).
In both scenarios, you will receive Interest Yield in the form of stablecoins first. Then, when the Strike Price is reached (in the case of scenario 1), your Principal Amount and Interest Yield will be used to purchase BTC.
The Selling High product gives you the opportunity to sell the asset you already have (such as BTC) at a higher price in the future (for USDT).There are two scenarios:
1) If the Market Price is above or close to the Strike Price at the Maturity Date, your BTC will be sold (for USDT).
2) If the Market Price is below the Strike Price at the Maturity Date, you will continue to hold the asset (BTC).
In both scenarios, you will receive Interest Yield in the form of the asset (BTC) first. Then, when the Strike Price is reached, your Principal Amount and Interest Yield will be sold (for USDT).
If you already subscribed to a specific Vault, then the Strike Price, Maturity Date, and APR are fixed and cannot be revised until the subscription is complete.
Interest Yield = Principal Amount * APR% * Tenor (in days) / 365.
Here's a summary of the total amount you will receive in each scenario:
For the Buying Low product, there are two possible scenarios at maturity:
1) If the Strike Price is reached: (Principal Amount + Interest Yield) / Strike Price
2) If the Strike Price is not reached: Principal Amount + Interest Yield
For the Selling High product, there are two possible scenarios at maturity:
1) If the Strike Price is reached: (Principal Amount + Interest Yield) * Strike Price
2) If the Strike Price is not reached: Principal Amount + Interest Yield
Your principal will be returned at the end of maturity time. The tenure of each Dual Investment varied from 1 day, 2 days, 3 days, 7 days, 30 days, 180 days, and more.
The way Dual Investment work is by selling options contracts to options buyers. Options contracts have a premium, the premium that is generated by the option seller is what powered the yield. The premium price is higher given more time to expiration or greater implied volatility, hence the yield.