BiyaPay Announcement on the Release of App Version 2.9.010 and Feature Updates

Dear BiyaPay Users,

To further enhance your trading experience and capital efficiency, the BiyaPay App has been officially upgraded to version 2.9.010, with multiple core features optimized and enhanced. This is a mandatory update, and older versions may not be able to access certain functions properly. Please update in time. Details are as follows:

1. Version Information

• Version: BiyaPay App 2.9.010
• Update Type: Mandatory update
• Effective Time: November 21, 2025 (Hong Kong Time, UTC+8)

2. Key Updates in This Release

1. Fully revamped trading pages
   The trading interfaces for HK stocks, US stocks, crypto derivatives and spot have been completely redesigned.
   Key information is presented more clearly, the order placement flow is more intuitive, and the overall trading experience is smoother.
2. Launch of US fractional share trading
   Support for US fractional shares is now available, significantly lowering the entry barrier and allowing more flexible allocation into high-quality equity names.
3. Launch of commodity futures trading
   A dedicated entry for commodity futures trading has been added, offering more underlying assets and strategies to support diversified portfolio construction and risk management.
4. Upgraded crypto derivatives (contract) trading
   Crypto derivatives trading has been deeply optimized, with improved matching performance and system stability, as well as enhanced risk management and warning mechanisms, providing a safer and smoother derivatives trading experience.
5. New coupon feature
   Coupons are now supported and can be used to offset eligible trading fees or related costs.
   Proper use of coupons can effectively reduce your overall trading expenses.
6. Revamped invite & rebate program with richer rewards
   The invite and rebate mechanism has been redesigned with clearer reward rules and more transparent display of invite relationships and rebate records, making each invite more valuable and rewarding.
7. Fully upgraded Markets page with extensive new data sections
   The Markets center has been comprehensively revamped and now offers a much broader range of market data across multiple markets and asset classes, including stocks, ETFs, cryptocurrencies and commodity futures:
   • New sections such as Hot Sectors, Hot Themes, Hot Industries, US stock ETF categories, DCA rankings and more
   • A reorganized market data structure with richer dimensions and broader coverage, giving you a more systematic view of market opportunities
8. New UID feature
   Each user is now assigned a unique UID (User ID), making account identification, customer support and campaign participation more efficient and secure.

3. User Guidelines

1. How to update
   Please search for “BiyaPay” in major app stores or download the latest version from the official website, and follow the on-screen instructions to complete the installation and update.
2. Impact on accounts and trading
   • This update does not affect the security of your assets or your historical records.
   • You may be asked to log in again after the update; simply follow the prompts to complete verification.
   • We recommend updating during non-peak trading hours to minimize any impact on your trading activities.
3. Usage recommendations
   • After updating, we recommend that you first get familiar with the redesigned trading pages and the new modules in the Markets center.
   • When using leveraged products such as commodity futures and crypto derivatives, please manage your positions carefully and control risk prudently.
   • Keep an eye on the coupon center and invite campaigns to make full use of available discounts and rewards.

4. Risk Warning

Trading in crypto assets, commodity futures and derivatives involves high risk. Prices can be highly volatile and may result in partial or total loss of your principal. Please fully understand the product characteristics and related risks, allocate your capital reasonably, and trade with caution.
BiyaPay shall not be liable for any profit or loss arising from market volatility, network issues or third-party service failures. The final rules and details are subject to the latest announcements on the platform.

5. Customer Support

If you encounter any issues during the update or while using the app, please contact us via:

• Support Email: service@biyapay.com
• Official Telegram Group: https://t.me/biyapay_ch

Thank you for your continued trust and support in BiyaPay. We will keep working to provide you with better products and services.

BiyaPay Team
November 21, 2025