XAUT, ETH & SOL Earn Is Live — Earn Up to 10% APY to Navigate the Bear Market with Confidence

Dear Users,

To expand our suite of steady-yield options and help you put idle assets to work with greater peace of mind, XAUT, ETH, and SOL Earn is now available. All three assets are supported, with up to 10% APY (available under XAUT’s tiered rate structure). The rules are straightforward and the tiers are transparent—please visit the product page for full details.

I. APY Rules (Please refer to the in-app product page and on-screen disclosures)

1) XAUT — Tiered APY

XAUT uses a two-tier structure (“higher rate on the first slice, steady rate beyond”): the first portion of your balance earns a higher APY, while the remainder earns a stable, competitive rate.

How tiering works

• Interest accrues by principal segment: the first 0.5 XAUT (inclusive) earns 10% APY, and any principal above 0.5 XAUT earns 5% APY.

• This is not “your entire balance earns the top rate.” Each segment accrues according to its applicable APY (exact accrual cadence, interest start time, and payout mechanics are subject to the product terms).

Examples (for illustration only; not a guarantee of actual payout)

• If you subscribe 0.4 XAUT: the full 0.4 falls in Tier 1 and accrues at 10% APY under the applicable rules.

• If you subscribe 1.0 XAUT: 0.5 accrues at 10% APY, and 0.5 accrues at 5% APY.

• If you subscribe 2.0 XAUT: 0.5 accrues at 10% APY, and 1.5 accrues at 5% APY.

2) ETH — Flat rate across the full balance

• Eligible principal: ETH Earn principal (based on your actual subscription/holding).

• APY: 2% across the full amount.

• Note: No amount-based tiers; subject to product rules, the entire ETH principal accrues at the same APY (interest start time, accrual cycle, payout, and redemption rules are shown on the product page).

3) SOL — Flat rate across the full balance

• Eligible principal: SOL Earn principal (based on your actual subscription/holding).

• APY: 3% across the full amount.

• Note: No amount-based tiers; subject to product rules, the entire SOL principal accrues at the same APY (interest start time, accrual cycle, payout, and redemption rules are shown on the product page).

II. Important Information (Please read before participating)

1. About “APY”

2. Annual Percentage Yield (APY) is provided to help you understand the indicative return level and does not represent a guaranteed fixed return. Actual earnings may differ from estimates due to factors such as accrual days, subscription/redemption timing, product rules, and processing times. Actual amounts credited shall prevail.

3. Risk & suitability

4. This product is positioned as steady-yield savings, but you may still be exposed to risks including liquidity/terms changes, rule updates, and market conditions. Please assess your financial situation and risk tolerance carefully before participating.

5. Which terms apply

6. Details such as minimum amounts, interest calculation method, payout frequency, redemption restrictions, fees, and promotional terms are subject to the in-app/web product page and latest announcements. If anything differs from this notice, the most up-to-date product page shall govern.

How to get started

Open the BiyaPay app and go to Wealth / Earn (or the equivalent section in your app) to review disclosures and subscribe.

Thank you for your trust and support of BiyaPay. We look forward to your active participation! If you have any questions, please feel free to contact our customer service team:

Customer Email: service@biyapay.com

Customer Telegram: @biyapay001

Telegram Group: https://t.me/Biyapayinternational

Community: https://discord.com/invite/9svgGQpsQ4

About BiyaPay

BiyaPay is a global multi-asset trading wallet that uses USDT as the medium. It supports currency exchange between 30+ fiat currencies and 200+ digital assets, providing safer and faster international remittances. It also supports trading US and HK stocks with USDT, without the need to open an offshore account—enabling real-time participation in stock trading and real-time deposits and withdrawals. One account and one pool of funds allow you to invest in global US and HK stock markets.

BiyaPay Team

April 8, 2026