XT Earn is committed to providing users with a top-tier digital currency investment experience. Safety of user funds is our top priority, which is why we employ industry-leading risk control technology and round-the-clock monitoring systems to ensure comprehensive protection of our assets. Our product design is centered around users, aiming to deliver industry-leading returns while ensuring a streamlined and convenient product experience.
The Wealth Management team was established in 2018 and has become one of the largest digital asset management teams in the industry. Team members graduated from prestigious institutions such as Stanford University, the National University of Singapore, Tsinghua University, and Carnegie Mellon University. Members have rich work experience in Web3 exchanges, traditional private equity firms, and the internet industry.
Whether you're a novice at cryptocurrency or a seasoned investor, XT Earn makes your investment journey easy and enjoyable.
XT On-chain Elite (XRWU)
In an era where digital assets are increasingly converging with traditional finance, XT is introducing the innovative On-chain Elite (XRWU) yield product — a stable investment option linked to Real World Asset (RWA) returns.
XRWU is a yield certificate token backed by real-world assets such as tokenized U.S. Treasury bonds. By subscribing with stablecoins (USDT/USDC), users receive XRWU tokens pegged 1:1 with USDC. Holders earn daily interest derived from real-world asset yields, distributed in XRWU and compounded daily.
Designed with security, flexibility, and stable returns in mind, XRWU helps users achieve steady portfolio growth even amid volatile crypto market conditions.
Product Advantages
- Principal Protection: Exchange stablecoins for XRWU and earn yields simply by holding, unaffected by market volatility.
- Stable Returns: Returns reference U.S. Treasury yields (around 4%–5%), distributed daily with compound growth.
- High Liquidity: Supports both Fast Redemption (immediate settlement) and Standard Redemption (T+3 settlement) to meet different liquidity needs.
- On-chain Backing: XRWU yields come from XT’s portfolio of real-world assets (RWA), including tokenized U.S. Treasuries.
Product rules
You can subscribe to XRWU anytime with USDT/USDC. Upon successful subscription, you receive the corresponding amount of XRWU at the exchange rate. Interest starts accruing on the next day (Day T+1, UTC). Beginning Day T+2 (UTC), the previous day’s interest is distributed daily. The interest mode is "Compounded Daily", with daily interest paid in XRWU to your Spot account, enabling compound growth. XRWU is a flexible product with no fixed term; you may redeem at any time. Redemptions are returned in USDC with fees of 0.1% (Fast Redeem) and 0.05% (Standard Redeem). Fast Redemption credits funds to your Spot account immediately; Standard Redemption credits on Day T+3 (UTC). No yield accrues during the redemption process.
Elements | Description |
Product Name | On-chain Elite - XRWU |
Product Type | Flexible Earn (Yield Certificate Token) |
Subscription Currency | USDT / USDC |
Exchange Rate | 1 XRWU = 1 USDC |
Yield Type | Floating Yield (Daily Compounding) |
Interest Accrual Time | Day T+1 00:00 (UTC) |
Payout Time | Daily from Day T+2 00:00 (UTC), distributing the previous day’s yield |
Interest Currency | XRWU (credited directly to your Spot account) |
Redemption Methods | Fast Redemption (instant settlement, 0.1% fee) Standard Redemption (T+3 settlement, 0.05% fee) |
Redemption Currency | USDC |
Risk Warning | Returns are variable. The annualized yield may fluctuate with market conditions. The platform reserves the right to adjust rates and fees. |
Interest Calculation
Interest starts accruing from Day T+1, and daily rewards are distributed from Day T+2 for the previous day’s earnings. Formula: Daily Earnings = XRWU Holdings × Floating APR / 365
FAQs
Q1: What is the source of XRWU’s yield? XRWU yields come from XT’s investments in Real World Assets (RWA), including tokenized U.S. Treasury bonds and money market funds. Returns are distributed based on platform operations.
Q2: Can I redeem XRWU anytime? Yes. XRWU supports Standard Redemption (T+3 settlement) and Fast Redemption (instant settlement). Redemption proceeds are returned in USDC to your Spot account.
Q3: How is the yield distributed? XRWU rewards are distributed in XTWU daily to your Spot account and are automatically compounded.
Q4: Can I withdraw XRWU on-chain? XRWU is an internal yield certificate token within XT and is not transferable on-chain. It can only be used within the platform.
Operation Guide
Web Steps:
- Please log in to your XT account. New users please register first. On the navigation bar, go to "Finance" - "Simple Earn" - "On-Chain Elite".
- In the "On-Chain Elite" section, locate the "XRWU" product and click "Subscribe". In the "Subscription Pop-up Window", select your subscription currency (USDT/USDC), enter the amount to subscribe, and review details such as exchange rate, limit, estimated daily yield, interest start and distribution time, and risk notice. Then click "Confirm".
- After a successful subscription, you can click "View Holdings", or go to "Assets" - "Earn Account" - "On-Chain Elite" - "XRWU" from the upper right corner to check your holdings and earnings, or proceed with "Redeem". You can also view your XRWU token balance in your Spot Account.
- Click "Redeem" to choose between "Standard Redemption" or "Fast Redemption". Enter the redemption amount and review details such as redemption fee, USDC amount to receive, arrival time, and risk notice, then click "Confirm". After submitting, funds redeemed via Fast Redemption will be instantly returned to your Spot Account, while Standard Redemption funds will be returned on Day T+3.
App Steps:
- Tap "Earn Overview" on the homepage to find "On-Chain Elite", or directly access "On-Chain Elite" from the quick access area.
- In the "On-Chain Elite" section, locate the "XRWU" product and click "Subscribe". On the "Subscription Page", select your subscription currency (USDT/USDC), enter the amount to subscribe, and review details such as exchange rate, limit, estimated daily yield, interest start and distribution time, and risk notice. Then click "Confirm".
- After a successful subscription, you can click "View Holdings", or go to "Assets" - "Earn" from the bottom navigation bar to view your holdings and earnings. Tap your XRWU holdings to enter the "Holding Details" page, where you can perform "Redeem". You can also view your XRWU token balance in your Spot Account.
- Click "Redeem" to choose between "Standard Redemption" or "Fast Redemption". Enter the redemption amount and review details such as redemption fee, USDC amount to receive, arrival time, and risk notice, then click "Confirm". After submitting, funds redeemed via Fast Redemption will be instantly returned to your Spot Account, while Standard Redemption funds will be returned on Day T+3.