These terms describe the conditions for OTCSCM USDT staking products. Each subscription is also governed by the product name, term, amount, displayed return rate, and service notices shown at the time of application. The company may restrict or adjust product operations where required by law, regulation, security concerns, or operational necessity.
1. Product overview
This product allows a user to deposit USDT for a fixed term and receive principal plus the product-based return if the agreed term is completed.
The product term, minimum and maximum subscription amount, applicable rate, and estimated maturity proceeds shown on the application screen are the key guidance items for that subscription.
- Each product follows the term and amount limits displayed on the application page.
- Estimated maturity proceeds are a reference amount calculated from the entered principal and applicable conditions at the time of application.
- One-month and three-month products are not eligible for extension after maturity.
- Only the six-month product may be extended, and the monthly rate for an extension increases by 0.5 percentage points, capped at 2.5%.
- After submission, the applied conditions are displayed in the user history page for that subscription.
2. Eligibility and restrictions
Users may apply only through accounts registered in their own name and must complete KYC, AML, security verification, and any additional review requested by the company.
The company may reject an application or restrict maintenance and payout where it identifies unclear source of funds, sanctions exposure, third-party account use, abnormal activity, or policy violations.
- Users must confirm for themselves that local laws and regulations permit use of this product.
- Identity, source-of-funds, and transaction-purpose documents may be requested.
- False information or circumvention may result in service restrictions.
3. Reward calculation and payout
Accrued interest is accumulated on a daily basis, and the detailed accrual method and calculation standards are governed by the product screen and service notices shown at the time of application.
Estimated interest and maturity interest are calculated in accordance with the accrual standards and product conditions disclosed at the time of application.
Displayed rates and estimated amounts are reference values based on normal product operation. They may be adjusted or may differ from actual paid amounts due to the calculation timestamp, decimal handling, law changes, system issues, emergency maintenance, security events, or payout restrictions.
- Estimated maturity proceeds are the estimated total calculated from principal and accrued interest.
- Estimated interest and estimated maturity proceeds may vary depending on the calculation timestamp, applicable conditions, and decimal handling.
- Applicable product rates may change according to company policy, and any change will be announced through service notices or the product screen.
- Where an extension applies, the next-cycle return is recalculated using the rate and term announced for the extension.
- When a claim is completed, assets are reflected to the member balance according to service policy.
- Tax, reporting, and accounting responsibilities remain with the user.
4. Early termination and claims
If a user terminates before maturity, the early-termination rule for the relevant product applies. In particular, the six-month product uses a stepwise early-termination rate based on elapsed time under the 1-month, 3-month, or 6-month tier, and only 50% of the interest calculated under that tier becomes payable.
A termination request is irreversible, and the terminated assets become claimable only after the company finishes the required review and status change process.
- If the 3-month product is terminated within 1 month, 50% is deducted from the interest calculated under the 1-month tier.
- The following two rules apply only to early termination of the six-month product.
- Where termination occurs after at least 1 month but before 3 months, 50% of the interest calculated under the 3-month tier is deducted.
- Where termination occurs after at least 3 months but before 6 months, 50% of the interest calculated under the 6-month tier is deducted.
- From the end time, matured products become claimable immediately when the user clicks the claim button, without a separate 24-hour waiting period.
- Early-termination claims become available 24 hours after the user clicks the claim action.
- Claims may remain restricted until any hold reason is resolved.
5. Key risk disclosures
USDT is not legal tender and may be affected by issuer credit, reserves, redemption policy, market confidence, and potential depeg events.
Service interruptions or payout delays may arise from blockchain congestion, wallet failures, hacking, internal control failures, third-party infrastructure issues, force majeure, war, or government action beyond the company’s reasonable control.
- Principal or expected return is not guaranteed in all circumstances.
- The company may temporarily suspend claims, withdrawals, or product operations due to security or regulatory events.
- Users bear their own investment decision-making and risk of loss.
6. Operational changes, notices, and priority
The company may change product conditions, application limits, payout procedures, or risk disclosures, or suspend new subscriptions, where required for law, regulation, security, or service operations.
If there is any inconsistency among the product page, completed subscription details, service notices, and these terms, the applied subscription condition at the time of entry and the latest notice prevail to the extent consistent with user protection and regulatory compliance.
- Material changes are announced through service notices, page disclosures, or other electronic means.
- Users who do not agree with changed conditions should refrain from new subscriptions.
- Mandatory legal requirements and emergency security actions may still apply to existing subscriptions.