HTX said in a press release that crypto finance is moving away from a market structure dominated by short-term speculation and toward long-term asset allocation, with HTX Earn positioned as part of that shift. The company framed the past 15 months of product updates, yield adjustments, and asset structure changes around a single question: what a mature crypto yield business should look like as users become more focused on duration, liquidity, and risk control.
According to the release, that change has been visible since 2025, as stablecoin market capitalizations continued to climb and on-chain yield products kept expanding across market cycles. HTX argued that this has changed user expectations, pushing trading platforms beyond pure execution venues and toward broader asset management gateways.
Four operating priorities: certainty, liquidity, segmentation, and trading integration
HTX described four strategic pillars for its Earn business. The first is building what it calls greater certainty for users through flexible stablecoin products centered on USDT, USDD, USDC, USDE, and USAT. The company said these products are designed around low entry barriers, deep liquidity, transparent returns, and flexible deposits and withdrawals. The second pillar is managing liquidity risk. HTX said it has recorded zero risk-related incidents in the past 15 months, attributing that result to dynamic liquidity management, stress testing for subscriptions and redemptions, and risk isolation across yield pools.
The company also said it has published Merkle Tree proof-of-reserves data for 43 consecutive months. A third pillar focuses on user segmentation. HTX said it now offers three main product lines: Simple Earn, which covers more than 300 crypto assets; structured products including Shark Fin; and On-Chain Earn, an upgraded version of SmartEarn aimed at expanding user access to on-chain yield. The fourth pillar links earning products with active trading, under the idea that users can trade during active market conditions and earn during quieter periods, with tools such as Auto-Earn and integrated trade-to-earn features.
USDD Flexible and USDT VIP Flexible lead the product examples
Among its case studies, HTX highlighted USDD Flexible as a stablecoin cash management product. The release said that after the market entered a volatile pullback in Q1 2025, HTX worked with the TRON ecosystem to launch USDD Flexi Max. At launch, the platform used a limited-time 20% APY campaign to build awareness. Incentive yields later stabilized in the 8% to 12% range, while subscriptions supported direct 1:1 conversion from USDT into USDD with zero slippage. HTX said USDD Flexible now offers 4% to 6% APY, compared with 1% to 5% for many products elsewhere in the market.
HTX also pointed to USDT VIP Flexible, launched in 2026 and tied closely to its Prime membership system. The company said the product was built for high-net-worth users holding large idle balances and can offer up to 9% APY, while standard flexible earn products in the wider market were often below 2% during the same period. HTX said the product keeps the core structure of a flexible earn account, including anytime deposits and withdrawals, hourly compounding, and auto-subscription.
For higher-volatility PolitiFi assets, HTX cited $TRUMP Flexible. The company said the product uses boosted APYs to give users a hold-and-earn option while preserving flexible access, with the aim of reducing the opportunity cost of holding and lowering short-term sell pressure.
Subscriber count passed 600,000 and Shark Fin subscriptions neared $1 billion
HTX said several operating metrics improved over the past 15 months. Total subscribed users rose above 600,000, a 66.47% year-over-year increase. Total value subscribed grew 31.39% year over year, while cumulative user earnings increased 31.52%. The company added that assets under management across fixed and flexible products have reached multi-billion-dollar levels.
It also reported that core stablecoin balances posted double-digit growth for four consecutive quarters. Driven by Launchpool integrations and seasonal campaigns, stablecoin balances on the platform increased 64.15% between October 11, 2025 and the end of that year. In structured products, HTX said it launched 292 Shark Fin phases, with cumulative subscriptions approaching $1 billion. On the engagement side, the platform held 13 Earn Bonanza events and 8 Launchpool campaigns, attracting nearly 300,000 total participants and bringing in tens of millions of dollars in net capital inflows.
The original piece identified itself as a press release and said it was for informational purposes only, not financial advice. HTX said it was founded in 2013 as Huobi and has since expanded into digital asset trading, financial derivatives, research, investment, and incubation.