On June 19, Matrixport launched its Daily Dual Currency product — an innovative structured investment solution designed for users who closely monitor the market and seek to capitalize on short-term volatility. As one of the first platforms in the industry to offer Dual Currency Investment (DCI) products, Matrixport is committed to providing personalized structured products tailored to different investor profiles — from miners and traditional financial institutions to VIP and high-net-worth users — meeting their unique return targets and risk preferences.

This article explains how Matrixport transforms complex structured derivatives into accessible wealth management tools for everyday investors, utilizing common financial use cases.

For Crypto Whales & Miners: Monetization and Capital Efficiency

Gradual Token Liquidation Without Moving the Market: The Case for Decumulator. One of the significant challenges faced by miners and crypto whales is how to gradually monetize extensive crypto holdings without triggering adverse market impact. This is where Decumulator products come into play, enabling users to sell their tokens at a premium price over time systematically.

With Decumulator, users pre-set a target price above the spot rate and sell a fixed amount of tokens at regular intervals. If the market price exceeds the preset target, the sale is executed at a premium, leading to a higher average selling price over the duration. This helps miners implement a gradual exit strategy without causing market shocks while locking in attractive execution prices and maximizing yield.

Cash Flow Planning in Volatile Markets: Daily Dual Currency Payout Plans

The Bearish Daily Dual Currency is designed to match daily cash flow needs by leveraging the mechanics of DCI products. Each day, if the market price reaches the strike, the asset will be sold and settled in stablecoins; otherwise, users will retain their cryptocurrency and earn attractive yields. This "sell-high-or-earn-yield" approach is ideal for range-bound markets, helping crypto holders gradually reduce exposure while benefiting from passive income.

Need Short-Term Liquidity? Zero-Interest Loan as a Flexible Solution

What if you need liquidity without selling your crypto? Matrixport’s Zero-Interest Loans allow users to post BTC or other assets as collateral to borrow stablecoins, with no additional margin required. At maturity, the product settles based on predefined price ranges:

• If the token falls below a “protection price,” users can choose not to repay, and the platform assumes the downside risk.
  
  
• If the token rises above a “take-profit price,” the asset is sold at the agreed price to repay the loan, with any surplus returned in stablecoins.

This mechanism enables miners to access capital without triggering token sales, while locking in an acceptable future sell range, thereby balancing liquidity needs and downside protection.

Institutional Investors: Classic Structured Products, Crypto Edition

For traditional financial institutions, the balance between return and risk is paramount. Fixed Coupon Notes (FCNs) and Snowball products are well-established tools in TradFi, now adapted for use in crypto markets by Matrixport.

• FCNs deliver fixed interest at regular intervals over a predefined term. In a crypto context, these notes can be linked to BTC or ETH. If the underlying asset ends above the strike at maturity, the user receives interest while retaining the principal in its original denomination. If the asset falls below the strike, the principal is settled in the asset at the agreed price — a strategic way to “buy the dip” while earning coupon income.
• Snowball products feature knock-in and knock-out mechanics. Investors can take bullish or bearish positions, and the product auto-terminates with a payout if a knock-out is triggered. If the knock-in is breached, the capital is converted into the underlying asset. Snowball is ideal for individuals with strong market views and a high risk tolerance.

Matrixport supports the flexible structuring of key product parameters — including strike prices, linked assets, duration, and knock-in/out thresholds — to suit the specific strategies and mandates of institutional investors.

Personalized Product Design and High-Touch Service are Core to Crypto Wealth Management

For high-net-worth individuals, personalized portfolio design and one-on-one advisory are essential. With a dedicated structured product team, Matrixport offers VIP customization using options, futures, and derivatives strategies. Users can tailor the underlying asset (BTC, ETH, stablecoins), tenor (from a few days to several months), return structure (fixed or variable), and protection terms (e.g., knock-in/out triggers) — all aligned to their investment objectives and risk appetite.

Strong Risk Management and Robust Product Design Power Matrixport

In October 2019, Matrixport was the first to introduce Dual Currency to the crypto industry, pioneering the use of structured finance models in digital assets. These products quickly gained traction across bull, bear, and sideways markets — helping investors capture yield in any cycle. Competitors soon followed.

What sets Matrixport apart is its deep product expertise and industry-leading risk management framework. Structured products are inherently complex and require rigorous financial modeling and scenario testing.

Cactus Custody, Asia's leading compliant and licensed digital asset custodian under Matrixport Group, maintains a zero-incident track record and secures billions in user assets. Internally, Matrixport enforces strict risk governance, including a dedicated risk committee, product stress testing, and multi-layer reviews, ensuring each offering stays within risk-tolerance thresholds. The platform is widely recognized for having one of the most comprehensive and mature risk management systems in the crypto industry.

Matrixport continues to innovate under a safety-first philosophy, with a range of new structured products (e.g., Sharkfin, Smart Trend) expanding users’ toolkit for yield generation.