We understand that some investors prefer a more conservative approach to asset allocation — placing a portion of their holdings in steadier instruments with more predictable yields, while retaining sufficient flexibility to act on future opportunities.
To address this need, BIT has introduced an enhanced liquidity feature on top of traditional fixed-income products: Fixed-Income with Early Interest Withdrawal.
Fixed-Income with Early Interest Withdrawal: Your principal remains locked, while interest is credited periodically.
When subscribing to a fixed-income product, users may choose to withdraw interest on a monthly or quarterly basis, with accrued interest automatically credited to their account.
As shown below, you can select fixed-income products marked with the “Monthly Payouts"
For example, suppose you select a fixed-income plan with a 180-day tenor and a 5.31% annualized yield offering early interest withdrawal, and you subscribe with 10,000 USDT on May 1. After enabling "Monthly Interest Withdrawal," on June 1, 2026, you will be eligible to receive and withdraw:
100,000 × (5.31% / 365 × 30) = 436.44 USDT
Please note: Using this feature does not affect the interest accrued under the fixed‑income product.