VIII — SUBSCRIPTIONS
A subscription is your personal allocation into a specific yield program.
This section explains everything related to subscriptions:
how to prepare your balance
how to subscribe
how yield accrues
how maturity works
how to re-subscribe
how to change settings
how to add funds to a running subscription
1. How Subscriptions Work
Every subscription has three core characteristics:
A fixed duration Your funds remain locked until the program reaches maturity.
A predefined Target APY Yield accrues daily using a 365-day calculation model (when applicable).
A maturity action You choose what happens automatically when the program ends.
Your active subscriptions appear in your Portfolio Dashboard with full details and progress tracking.
2. Before You Subscribe
Subscriptions always draw from your Available Balance, not the Entry Level Program (ELP).
If your funds are currently in the ELP:
Open the ELP section
Enter the amount you want to release
Click Withdraw
That amount moves into Available Balance
You can then use it to subscribe.
If you skip this step, the subscription cannot be completed.
3. Creating a Subscription
Once you have sufficient Available Balance and meet program requirements, you can subscribe.
Step 1 — Ensure KYC Requirements Are Met
Some programs require a specific KYC level. You will only be allowed to proceed once the requirement is satisfied.
Step 2 — Enter Subcribed Amount
Enter an amount ≤ Available Balance
The system checks the program’s minimum and maximum rules
If your balance is insufficient, withdraw from the ELP first
Step 3 — Choose a Maturity Action
At the end of the program, the system applies your selected option automatically:
Option 1 — Rollover principal + earnings
Program is re-subscribed, funds are automatically allocated into a new term of the same program.
Option 2 — Rollover principal only + withdraw earnings
Principal only is allocated into a new term of the same program.
Earnings are returned to Available Balance.
Option 3 — Full exit
Both principal and earnings are returned to Available Balance.
Step 4 — Review Fees
Only programs with withdrawal behavior at maturity may apply exit fees:
Option 1 → no exit fee
Option 2 → exit fee applies only to withdrawn earnings
Option 3 → exit fee applies to withdrawn principal + withdrawn earnings
Entry fees, if applicable, are clearly stated at the time of subscription.
Step 5 — Accept Terms
You must approve:
risk disclosures
legal terms
program documentation
Step 6 — Confirm Subscription
Click Subscribe.
The subscription amount is deducted from Available Balance.
Your new subscription appears in the Portfolio Dashboard.
4. Understanding Your Subscription
Each active subscription includes:
subscribed amount
Target APY
yield accrued so far
subscription date
maturity date
lock-in period duration
exit rules
maturity action selected
any available documents
You can view all details by opening the product in your portfolio.
5. Lock-in Period & Countdown
Each subscription has a fixed lock-in duration. During the lock-in period:
you cannot withdraw from the subscription early
yield continues to accrue daily
the dashboard shows a live countdown (“Lock-in period will end in…”)
Once the lock-in period ends, the program transitions to maturity processing.
6. Yield Accumulation
Yield is calculated daily using a 365-day APY model:
Daily rate = APY ÷ 365
Example: 10% APY → 10% ÷ 365 ≈ 0.0274% per day.
Earnings accrue inside the subscription until:
maturity, or
a maturity option that transfers earnings to Available Balance
Earnings do not appear in Available Balance until a maturity action causes a transfer.
7. Changing Your Maturity Action
You can update your maturity behavior at any time before the program ends.
Steps:
Open the subscription
Select a different maturity option
Click Confirm
The new setting will apply automatically at maturity.
8. Re-Subscribing at Maturity
When a program reaches maturity:
funds are processed according to your maturity action
if you choose Re-Subscribe, the system guides you into a new term of the program
Re-Subscribe Flow:
Open the matured subscription
Click Re-Subscribe
Review amount and terms
Complete the subscription steps again
This creates a new subscription with a fresh lock-in duration.
9. Adding Funds to a Running Subscription
If the program allows top-ups during the lock period, you can increase your allocation.
Step 1 — Ensure Sufficient Available Balance
If your funds are in the ELP:
withdraw into Available Balance first
Step 2 — Enter Top-Up Amount
The system displays:
Expected total yield at maturity, consisting of: • yield accrued so far • remaining yield recalculated based on the new total balance
Additional entry fee (if applicable)
Step 3 — Confirm
Click Confirm to increase the allocated funds into the Program.
Your subscription balance updates immediately.
10. What Happens at Maturity
At maturity, the system automatically performs your chosen action:
Option 1
Rollover principal + earnings → nothing moves to Available Balance
Total funds remain allocated in the Program for the Lock-in period of the Program and subject to the terms of the Program
Option 2
Rollover principal → earnings appear in Available Balance
Principal remains allocated in the Program for the Lock-in period of the Program and subject to the terms of the Program
Option 3
Full program exit → principal + earnings appear in Available Balance
Exit fees apply only to funds removed from the Program
After processing is complete, the subscription moves to the history section of the dashboard.
11. Viewing Past Subscriptions
Completed subscriptions remain available in your portfolio history, with:
total yield earned
duration
maturity action applied
re-subscribe or withdrawal outcome
fees applied
This provides a full record of your performance over time.
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