> For the complete documentation index, see [llms.txt](https://newcoin-doc.gitbook.io/newcoin/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://newcoin-doc.gitbook.io/newcoin/english/newcoin-earn-faq.md).

# NewCoin Earn FAQ

#### 1. How are earnings calculated?

To enhance the stability of the liquidity pool, the platform applies a unified profit distribution mechanism: 15% of total returns is allocated to a risk reserve, and the remaining 85% is distributed to users.

* **Flexible Earn:** Interest is calculated hourly and automatically reinvested, enabling compounding growth
* **Fixed Earn:** Earnings accrue from the interest start date and are distributed in full upon maturity

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#### 2. Can Fixed Earn products be redeemed early?

Yes, early redemption is supported. However, no interest will be paid, and only the principal will be returned.

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#### 3. What is the minimum subscription amount?

The minimum subscription amount varies by asset and product. Please refer to the specific product details page for accurate information.

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#### 4. Are there any subscription fees?

In general, no fees are charged for subscription.

However, certain products may involve management fees or early redemption fees. Please refer to the specific product terms for details.

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#### 5. Are yield rates fixed?

* **Flexible Earn:** Rates are dynamically adjusted based on market supply and demand
* **Fixed Earn:** Rates are typically fixed for the duration of the lock-up period

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#### 6. When does interest start accruing after subscription?

* **Flexible Earn:** Typically starts from the next hour after successful subscription
* **Fixed Earn:** Typically starts on T+1 (UTC 00:00)

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#### 7. How long does it take to receive redeemed funds?

* **Flexible Earn:** Funds are credited instantly to the spot account upon redemption
* **Fixed Earn:** Principal and interest are automatically distributed within T+1 after maturity

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#### 8. Who is not eligible to participate?

The following users are not eligible:

* Users from restricted countries or regions
* Users with abnormal account status (e.g., frozen or closed accounts)

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#### 9. Is principal or return guaranteed?

NewCoin “Earn on Crypto” products are digital asset yield products and do not guarantee principal or fixed fiat returns.

Actual returns may be affected by market fluctuations and other factors. Users should participate prudently and assess risks independently.