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    Gate.io > Help Center > HODL & Earn > Structured Products
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    All About Structured Products
    Gate.io
    Updated at:45 days 23 hours ago
    Structured products are prepackaged investments that include assets linked to interest and derivatives. Compared with traditional current and term products, structured products feature the risks and returns of derivatives on the basis of the originally fixed income. Therefore, the yield to maturity of structured products is not fixed but generally varies with the price of the underlying assets. Structured products can be divided into principal guaranteed and aggressive types as per the risk level.

    Currently, what is listed on Gate.io are SharkFin products. All are capital-guaranteed and low-risk ones. Users can participate and earn guaranteed returns.

    What's SharkFin?

    Gate.io SharkFin products are a type of capital-guaranteed structured product. It is called SharkFin because the yield curve resembles that of a shark's fin sticking out of the water. It is essentially an option derivative, also known as knock-out options. When SharkFin is listed, product parameters such as the target currency, subscription limit, and lock-up period will be determined according to the market. What is fixed is only the final interest. The interest earned depends on whether the price of the target currency goes beyond (falls below/rises above) the price range during the investment period. If it does, investors can get a higher annualized income, and if it does not, investors can still obtain a guaranteed return.

    Gate.io currently has listed Daily SharkFin, Bullish SharkFin, and Bearish SharkFin products.

    What's Daily SharkFin?

    Gate.io Daily SharkFin product is a type of capital-protected product. As a product offering more flexible and richer options, it supports a wider range of mainstream currencies and provides more options for the lock-up period and annualization than other types of SharkFin products. Moreover, it is launched more regularly.

    Daily SharkFin product's yield mode: within a certain period of time, if the price stays within (not break/fall out) the per-specified price range, users can earn a higher annualized yield rate. If the price exceeds the price range, users can still obtain a guaranteed return.

    What's Bullish SharkFin?

    Gate.io's Bullish SharkFin is also a type of capital-protected product. Investors can subscribe to the product based on the supported underlying currencies. The APR at maturity is determined based on the comparison between the observed price of the target currency and the price range. Interest is calculated, and the principal and interest will be settled and redeemed at maturity. Early redemption is not supported.

    Bullish SharkFin return mode: Within a certain period of time, if the price always stays within the price range, investors will obtain a high yield rate; once a knockout happens to the product, investors still have a chance to get a medium yield and can at least obtain a guaranteed rate of return. Opposite to the profit mode of Bearish SharkFin, Bullish SharkFin is suitable for a bull market.

    What's Bearish SharkFin?

    Gate.io's Bearish SharkFin is a type of capital-protected product. Investors can subscribe to the product based on the supported underlying currencies. The APR at maturity is determined based on the comparison between the observed price of the target currency and the price range. Interest is calculated, and the principal and interest will be settled and redeemed at maturity. Early redemption is not supported.

    Gate.io's Bearish SharkFin product has 3 return models. Investors are very likely to obtain high returns. Bearish SharkFin product return mode: Within a certain period of time, if the price always stays within the lower and upper price limits, investors can obtain a high yield rate; if a knockout happens during the period, investors will have a chance to earn a medium rate of return and will at least get a guaranteed yield. Its profit mode, opposite to that of the Bullish SharkFin product, is suitable for a bearish market.

    What is Gate.io's price observation mechanism?

    Gate.io's price observation mechanism is used to observe whether the price has knocked out the price range within a specified time period, not during the whole holding period. According to this mechanism, it is only regarded as a knockout when the price is not in the price range during the observation period; otherwise, it is not treated as a knockout. This price observation mechanism makes it more likely for investors to obtain high returns.
    *Knockout means the price doesn't fall in (rises above or falls below) the price range.
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