Earning

Flexible savings program

Earning is a flexible savings program suitable for investors who prioritize high liquidity on the platform ONFA, allowing you to:

✅ Receive daily interest in VNDT. ✅ No asset lock-up required - Withdraw at any time. ✅ Supports a diverse range of coins (USDT, BTC, ETH, OFT,...). ✅ Optimize returns from idle capital.

Differences compared to Savings:

• No requirement to lock funds for a fixed term.

• Lower interest rates than Savings but more flexible.

• Interest is calculated daily and automatically credited to the wallet.

A. Gintroduction to the Earning feature

1. Earning interface overview

When accessing the Earningsection, the system will display:

• Flexible savings interest rate table.

  • List of supported assets (12 coins).

  • Detailed information:

    • Annual percentage yield (APY).

    • Additional interest rate (Add %).

    • Type of reward (Reward).

  • Helps users compare and select suitable assets.

• Profit chart

  • Track profits by day/month/year.

  • Scale from 0–60% to assess investment performance.

  • Visually displays profitability levels.

2. Details of supported assets

When selecting a specific coin:

• Basic information:

  • Total balance (Total Balance).

  • Minimum balance (Minimum Balance).

  • Daily interest (Daily Interest).

  • Annual percentage yield (APY).

  • Total interest received (Total Interest).

• Earning history:

  • View on the same page (scroll down).

  • Record details of interest received.

  • Monitor profit fluctuations over time.

Note:

• Supports 12 popular coins.

• Interest rates may change according to the market.

• No asset lock-up required.

B. Main activities

1. Key notes:

• How to participate: Simply hold 12 supported coins in the Earning wallet.

• Returns:

  • Are paid in VNDT (stablecoin).

  • Automatically received daily (every 24 hours).

• Flexible:

  • No term, no asset lock-up – similar to flexible, termless savings.

  • Coins can be deposited/withdrawn at any time.

• VIP benefits:

  • Additional 0.1% APY for each VIP level increase.

2. Effects of user actions:

• Deposit/withdraw coins:

  • Increase/decrease the balance in Earning wallet will change returns calculated based on the new asset value.

  • No limit on the number of deposits/withdrawals.

• VIP level:

  • Each time VIP is upgraded, receive immediately +0.1% APY on total returns.

  • Returns are calculated according to the VNDT exchange rate of each coin at the time the reward is received.

Points to remember

• Easy to use: Simply hold coins in the wallet to earn interest.

• Flexible: Withdraw at any time without fees or penalties.

• Additional returns: VIP increases APY, suitable for long-term users.