Introduction
In February 2025, Crypto.com launched an innovative feature called Dual Invest, offering users a unique way to earn rewards while participating in cryptocurrency markets. This comprehensive guide explains what Dual Invest is, how it works, and why it might be an interesting option for crypto traders looking to maximise their potential returns in both bull and bear markets.
Understanding Dual Invest
Dual Invest is a feature in the Crypto.com App that lets users earn rewards in one of two digital assets regardless of how the market moves. Think of it as a hybrid product that combines the benefits of earning interest with the potential for strategic market positioning. This innovative approach to crypto investing provides users with a structured way to potentially benefit from market volatility while earning guaranteed rewards.
The Core Concept
At its heart, Dual Invest lets users deposit one cryptocurrency while receiving returns in the same currency or another, depending on market conditions. The feature currently supports major cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and stablecoins like USDC, offering flexibility in how users can structure their investments. This flexibility allows traders to implement various strategies based on their market outlook and risk appetite.
- Know potential rewards up front. The reward rate users will enjoy on their deposited assets is offered before entering into a Dual Invest plan.
- Receive the deposit or alternate token. Each Dual Invest plan has a deposit token and an alternate token. Either can be the target asset.
- Earn based on market outlook. Users need to select a Target Price for the target asset. If the Target Price is reached at the end of their selected term, they will receive the reward in the alternative token. If it is not, they will receive the reward in the deposit token.
How Dual Invest Works: A Detailed Breakdown
The mechanism behind Dual Invest is based on three primary strategies: ‘Buy Low’, ‘Sell High’, or ‘Hold’. Each strategy caters to different market scenarios and trader objectives.
Buy Low Strategy
Users select a plan featuring BTC as the deposit token and USDC as the alternate token. They’re interested in buying Bitcoin, but think the current price of $100,000 is too high. With the Buy Low strategy, they could:
1. Deposit 10,000 USDC into a Dual Invest plan.
2. Select a BTC target price of 95,000 USDC (lower than current market price).
3. Choose a seven-day term with a 150% annual reward rate.
At the end of the term, two scenarios could unfold:
— Scenario A: If Bitcoin’s price drops to or below 95,000 USDC, the user’s 10,000 USDC plus rewards automatically convert to approximately 0.1083 BTC (including additional BTC from rewards).
— Scenario B: If Bitcoin stays above 95,000 USDC, the user receives their 10,000 USDC back plus approximately 287.67 USDC in rewards (150% APR for seven days).
Sell High Strategy
Conversely, if a user holds Bitcoin and wants to potentially sell at a high price, they could:
1. Deposit 1 BTC into a Dual Invest plan when Bitcoin is trading at $100,000.
2. Select a target price of 105,000 USDC.
3. Choose a 14-day term with a 120% annual reward rate.
At term expiry:
— Scenario A: If Bitcoin reaches or exceeds 105,000 USDC, the user’s 1 BTC plus rewards convert to approximately 109,832.88 USDC.
— Scenario B: If Bitcoin stays below 105,000 USDC, the user receives their 1 BTC back plus approximately 0.0460 BTC in rewards.
Hold Strategy
If a user prefers not to buy or sell, but still wants to earn rewards on their idle BTC balance, they could select a target price they think BTC is unlikely to reach. However, note that there is still a chance of the target price being met, in which case, the user’s deposit will still be automatically converted, and the user will not be able to sell the BTC during the term.
Benefits of Dual Invest
There are several advantages that make Dual Invest an attractive option for different types of crypto traders, including competitive reward rates, flexible options, and automated zero-fee execution.
1. Competitive Reward Rates
Users can access attractive reward rates on their deposits, with Prime users enjoying enhanced rates (subject to jurisdictional limitations). These rates are often higher than traditional crypto earning products, making Dual Invest an attractive option for investors.
2. Flexible Investment Options
The platform offers various combinations of:
— Digital assets (BTC, ETH, USDC).
— Term lengths ranging from short to medium duration.
— Customisable target price options to match a user’s market outlook.
— Multiple settlement dates throughout the month.
This flexibility allows users to craft strategies that align with their market outlook and investment goals.
3. Portfolio Diversification
By enabling exposure to multiple digital assets simultaneously, Dual Invest provides a straightforward way to diversify cryptocurrency holdings. This can help investors:
— Reduce portfolio volatility.
— Capture opportunities in different market conditions.
— Implement Dollar Cost Averaging (DCA) strategies.
— Maintain exposure to preferred assets while earning rewards.
4. Zero-Fee, Automated Execution
The platform automatically handles conversions when target prices are reached, eliminating the need for constant market monitoring. This feature includes:
— Automatic settlement at term expiry.
— Optional Auto-Renew feature for continuous exposure.
— No manual intervention required for conversions.
— Transparent execution at predetermined prices.
Understanding the Risks
While Dual Invest offers attractive benefits, users should be aware of potential risks and consider them carefully:
1. Market Volatility Risks
— Cryptocurrency prices can be volatile, affecting the value of both deposit and alternate tokens.
— Sudden market movements can lead to unexpected conversions.
— The value of received tokens may significantly fluctuate after conversion.
2. Opportunity Cost Considerations
— If a user’s target price is reached and conversion occurs, they might miss out on additional gains.
— Market conditions may significantly change during the period a user’s deposit is locked until the end of the term.
3. Strategic Risks
— Choosing incorrect target prices may result in suboptimal outcomes.
— Market timing incurs risks associated with entry and exit points.
How to Get Started With Dual Invest: Step-by-Step Guide
Using Dual Invest is straightforward in the Crypto.com App. Below is a guide to getting started:
1. Navigate to Dual Invest from the main menu.
2. Browse available plans in the Discover tab.
3. Select the preferred term length.
4. Choose the target price based on market analysis.
5. Enter the deposit amount within the platform limits.
6. Review all terms and conditions.
7. Confirm the transaction.
The Crypto.com App offers an Auto-Renew feature, which automatically places a new order with the same target price and deposit amount if a user’s target price isn’t reached at expiry. If a user enables it when placing an order, they can disable it anytime up to 30 minutes before the expiry of the open order.
This feature helps users maintain consistent exposure to their chosen strategy.
Important Technical Considerations
Order Limits
— Minimum order limits:
- BTC: 0.00000015
- ETH: 0.000003
- USDC: 0.01
— Maximum order limits:
- BTC: 15
- ETH: 350
- USDC: 1,000,000
Timing and Settlement
— Orders must be placed at least 24 hours before the settlement date (08:00 UTC).
— New settlement dates are listed every Tuesday and Friday.
— Tuesday listings have two-week lifetimes.
— Friday listings have two-month lifetimes.
Jurisdictional Availability
The feature is available in numerous jurisdictions across the globe, including major markets in Asia, Latin America, and parts of Europe. Users should verify their eligibility based on their location.
Conclusion
Dual Invest represents an innovative approach to cryptocurrency investment, combining the potential for earning rewards with strategic market positioning. It offers a sophisticated yet accessible way for users to potentially benefit from market movements while earning guaranteed rewards. Though it offers attractive benefits, users should carefully consider their investment goals and risk tolerance before participating.
As with any trading product, it’s crucial to understand both the opportunities and risks before getting started. The combination of guaranteed rewards and potential market gains makes Dual Invest an interesting addition to Crypto.com’s suite of products, potentially appealing to both experienced crypto traders and those looking for structured ways to earn rewards on their digital assets.
Due Diligence and Do Your Own Research
All examples listed in this article are for informational purposes only. You should not construe any such information or other material as legal, tax, investment, financial, cybersecurity, or other advice. Nothing contained herein shall constitute a solicitation, recommendation, endorsement, or offer by Crypto.com to invest, buy, or sell any coins, tokens, or other crypto assets. Returns on the buying and selling of crypto assets may be subject to tax, including capital gains tax, in your jurisdiction. Any descriptions of Crypto.com products or features are merely for illustrative purposes and do not constitute an endorsement, invitation, or solicitation.
Past performance is not a guarantee or predictor of future performance. The value of crypto assets can increase or decrease, and you could lose all or a substantial amount of your purchase price. When assessing a crypto asset, it’s essential for you to do your research and due diligence to make the best possible judgement, as any purchases shall be your sole responsibility.
