<p><strong>尊敬的 BiyaPay 用户：</strong></p>
<p>平台全新上线 HKD 理财 产品，支持阶梯收益，具体规则如下：</p>
<p><strong>一、阶梯收益规则</strong></p>
<table>
<thead>
<tr>
<th>持仓区间</th>
<th>年化收益率</th>
</tr>
</thead>
<tbody>
<tr>
<td>前 10,000 HKD</td>
<td>5%</td>
</tr>
<tr>
<td>10,000 HKD 以上部分</td>
<td>3%</td>
</tr>
</tbody>
</table>
<p><strong>二、计息说明</strong></p>
<ul>
<li>
<p>按您在理财账户中的 HKD 持仓 分段计息。</p>
</li>
<li>
<p>前 10,000 HKD 享受 5% 年化；超出 10,000 HKD 的部分享受 3% 年化。</p>
</li>
<li>
<p>示例：持仓 30,000 HKD 时，前 10,000 HKD 按 5% 计息，后 20,000 HKD 按 3% 计息。</p>
</li>
</ul>
<p><strong>三、参与方式</strong></p>
<p>即日起，您可在 App 内 首页—理财 页面申购 HKD 理财，随存随取，收益按日结算。</p>
<p><strong>感谢您对BiyaPay的信任和支持，若有任何疑问，欢迎随时联系我们的客户服务团队：</strong></p>
<p><strong>客服邮箱：</strong> service@biyapay.com</p>
<p><strong>客服Telegram：</strong> <a href="https://t.me/biyapay001" target="_blank">@biyapay001</a></p>
<p><strong>Telegram中文群：</strong> <a href="https://t.me/biyapay_ch" target="_blank">https://t.me/biyapay_ch</a></p>
<p><strong>Discord社区：</strong> <a href="https://https//discord.com/invite/9svgGQpsQ4" target="_blank">https://discord.com/invite/9svgGQpsQ4</a></p>
<h3><a id="BiyaPay_36"></a>关于BiyaPay</h3>
<p>BiyaPay是一家全球多资产交易钱包，以USDT为介质，支持30余种法定货币和200余种数字货币的相互兑换，为用户提供更加安全、快速的国际汇款；同时支持USDT交易美股港股，用户无需申请离岸账户，实时参与股票交易，实时出入金。一个账户、一笔资金即可投资全球和美港股市场。</p>
<p><strong>BiyaPay团队</strong></p>
<p>2026 年 3 月 9 日</p>


<p><strong>Dear BiyaPay Users,</strong></p>
<p>We are pleased to announce the launch of HKD Wealth Management. It supports tiered interest rates as follows:</p>
<h4><a id="I_Tiered_Interest_Rates_4"></a><strong>I. Tiered Interest Rates</strong></h4>
<table>
<thead>
<tr>
<th>Balance Tier</th>
<th>Annual Interest Rate</th>
</tr>
</thead>
<tbody>
<tr>
<td>First 10,000 HKD</td>
<td>5%</td>
</tr>
<tr>
<td>Above 10,000 HKD</td>
<td>3%</td>
</tr>
</tbody>
</table>
<h4><a id="II_How_Interest_Is_Calculated_11"></a>II. How Interest Is Calculated</h4>
<ul>
<li>
<p>Interest is calculated in tiers based on your HKD balance in the wealth account.</p>
</li>
<li>
<p>The first 10,000 HKD earns 5% per annum; the portion above 10,000 HKD earns 3% per annum.</p>
</li>
<li>
<p>Example: For a balance of 30,000 HKD, the first 10,000 HKD earns 5% and the remaining 20,000 HKD earns 3%.</p>
</li>
</ul>
<h4><a id="III_How_to_Participate_20"></a>III. How to Participate</h4>
<p>From now on, you can subscribe to HKD Wealth Management in the app under Home — Wealth. Deposits and withdrawals are flexible, and interest is settled daily.</p>
<p><strong>Thank you for your trust and support of BiyaPay. If you have any questions, please feel free to contact our customer service team:</strong></p>
<p>Customer Email: service@biyapay.com</p>
<p>Customer Telegram: <a href="https://t.me/biyapay001" target="_blank">@biyapay001</a></p>
<p>Telegram Group: <a href="https://t.me/Biyapayinternational" target="_blank">https://t.me/Biyapayinternational</a></p>
<p>Community: <a href="https://discord.com/invite/9svgGQpsQ4" target="_blank">https://discord.com/invite/9svgGQpsQ4</a></p>
<p>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.</p>
<p><strong>BiyaPay Team</strong></p>
<p>March 9, 2026</p>


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持仓区间	年化收益率
前 10,000 HKD	5%
10,000 HKD 以上部分	3%