Want to invest in Bitcoin but think the price is too high right now? Afraid of missing out on a bull market? Binance's recently launched Discount Buy feature allows you to set your "desired price" to buy BTC/ETH with USDT. Even if you don't buy, you can still earn returns—it's not a wasted effort!

This product can be understood as a "more capital-efficient limit order." Users can use USDT or other stablecoins to set a target purchase price and a knock-out price, choose an investment period and a fixed annual yield. After placing the order, it will automatically execute the purchase if the conditions are met by the expiration date. Unlike regular limit orders, this product generates returns during the waiting period, so investors can earn a return regardless of whether the final transaction occurs.

Assuming an investor puts in 1000 USDT, sets a purchase price of 60,000 USD for BTC, a knock-out price of 70,000 USD, an annual yield of 20%, and a product duration of 10 days.

On the settlement date, three possible outcomes may occur:

• If the BTC price is less than or equal to 60,000 USD, all funds will successfully buy BTC at the set price;
• If the price is between 60,000 and 75,000 USD, 50% of the funds will successfully purchase, and the other 50% will be returned;
• If the price is above 75,000 USD, the principal will be fully returned, along with the aforementioned annual yield.

The biggest highlight of this feature is that it solves the problem of idle funds in traditional limit orders. In regular trading, the funds placed in orders do not generate returns, while the Discount Buy feature allows the waiting funds to continue creating value. For investors who are optimistic about a certain asset in the long term but believe the current price is too high, this is undoubtedly a more efficient way to enter the market.

Here is a simple comparison between Discount Buy and limit orders:

Discount Buy is particularly valuable during market consolidation or mild upward trends. Investors set a target purchase point below the current market price, preserving the opportunity to buy at a low price while ensuring that funds generate returns during the waiting period. Compared to traditional financial products or simply holding assets, this structured solution offers a better risk-return balance.

Of course, as a structured high-yield financial product, there are several risks to be aware of with Discount Buy: first, the target price set needs to be based on market trend judgments; second, funds cannot be redeemed early before the settlement date; finally, although the probability of earning returns is high, the final return depends on the actual market trend, and there is a possibility that the market may decline further after successfully buying at the discount price.

Overall, Binance's Discount Buy feature represents an innovative direction for cryptocurrency financial products, combining trading strategies with financial returns. In the current market environment, this tool provides investors with more diversified options, helping to optimize the overall performance of their investment portfolios. For investors focused on capital efficiency and risk management, it is worth exploring and utilizing effectively.

How to subscribe to Discount Buy?

1. Log in to your Binance account, go to [Finance] > [Advanced Earn] > [Discount Buy]

2. Choose from the available product list, each product has a preset target purchase price, knock-out price, annual percentage rate (APR), and settlement date;

3. Enter the amount you wish to subscribe;

4. If this is your first time subscribing to Discount Buy, you will be required to complete a quiz;

5. Please read the "Terms and Conditions" carefully before subscribing and confirm that you understand: once the subscription is successful, your order cannot be modified, canceled, or redeemed before settlement.

This article is contributed and does not represent the views of BlockBeats.

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