To enhance users’ investment returns, LBank has introduced the Spot Earn Interest Boost Coupon. When you subscribe to a Spot Earn product using a boost coupon, you can enjoy an additional annualized yield on top of the product’s base interest rate. This allows your assets to grow more efficiently.

How Earnings Are Calculated

The coupon’s extra yield applies only during the period when the Spot Earn product is held and overlaps with the coupon’s validity period.

Base Earnings Formula

Base Earnings = Subscription Amount × Product Annualized Rate ÷ 365 × Actual Holding Days

Interest Boost Earnings Formula

Boost Earnings = Amount Eligible for Boost × Coupon Annualized Rate ÷ 365 × Valid Boost Days

🪧Example: Suppose you subscribe to a 3-day Spot Earn product with a 6.1829% annualized rate using 2,000 USDT, and apply a 100% annualized boost coupon (valid for the same 3 days):

  1. Base Earnings ≈ 2,000 × 6.1829% ÷ 365 × 3 ≈ 1.02 USDT

  2. Boost Earnings ≈ 2,000 × 100% ÷ 365 × 3 ≈ 16.44 USDT

  3. Total Earnings for 3 Days ≈ 17.46 USDT

📌After the coupon expires, funds will continue to accrue interest at the original product rate. The base yield is not affected.

Usage Rules

Eligible Amount Range 

Each coupon specifies a minimum and maximum eligible amount:

  1. Below the minimum amount: the coupon cannot be applied.

  2. Above the maximum amount: only the amount within the cap will enjoy the boost rate; the excess will accrue base interest.

📌For the same Spot Earn product, only one boost coupon can be active at a time (boost rates cannot be stacked).  The system will automatically apply the earliest activated eligible coupon. Any newly activated coupon will take effect only after the current coupon expires.

🪧Example (eligible range: 100–1,000 USDT):

  1. Invest 80 USDT → below minimum, coupon not applicable.

  2. Invest 500 USDT → full 500 USDT qualifies for boost.

  3. Invest 1,500 USDT → only 1,000 USDT eligible for boost; remaining 500 USDT earns base interest.

Time Limits

The coupon includes three key time dimensions:

  1. Claim Validity: Must be manually activated within the claim period shown on the coupon page; unclaimed coupons will expire.

  2. Usage Validity: After activation, the coupon must be used within its validity period. Unused coupons during this time will expire automatically.

  3. Boost Duration: The number of overlapping days between the coupon’s validity and the product’s holding period. Boost interest applies only during these overlapping days.

Activation and Usage

  1. Once the coupon is distributed to your account, go to「My > Coupon Center」to view and manually activate it.

  2. After activation, subscribe to an eligible Spot Earn product within the coupon’s valid period.

  3. The system will automatically apply the coupon to the qualifying amount — no manual operation is required.

Reminder

You can receive Spot Earn Interest Boost Coupons by following official LBank announcements, participating in events or promotions, or completing designated tasks on the platform.

Using interest boost coupons helps you increase your returns without changing the original Spot Earn product’s risk level or mechanism.

By planning your subscription amount and timing and combining them with coupons, you can make each holding period more efficient and steadily improve your overall asset yield.