Announcement on the Optimization and Upgrade of the Interest Rate Structure for the $U Flexible Product

Dear HTX Users,

Thank you for your continuous support and trust in HTX.

Since its launch in early December, the $U Flexible product has been well-received by users and has generated positive feedback, helping traders secure stable returns in the current market environment.

To ensure the product's long-term sustainability while enabling more users to continue benefiting from high yields, HTX will implement a tiered optimization of the interest rate structure for the $U Flexible product starting at 02:00 (UTC) on January 1, 2026. This adjustment is announced in advance so that you can have sufficient time to make necessary arrangements.

I. Details of Adjustments to the $U Flexible Product (Effective from 02:00 (UTC) on January 1, 2026)

Example:

If you hold 150,000 $U:

                     The first 100,000 $U will earn an APY of 20%.

                     The remaining 50,000 $U will earn an APY of 8%.

II. HTX Convert to Launch 1:1 Conversion Between $U and USDT

To meet the needs of high-volume users for greater capital efficiency and operational convenience, HTX Convert will launch a 1:1 conversion service between $U and USDT, with the following details:

● HTX Convert supports fast conversions for large amounts.

● $U obtained via HTX Convert can be used to subscribe to high-yield products.

● No order placement or matching required, improving capital turnover efficiency.

This service unlocks more flexible yield allocation options for high-volume users, generating sustained returns while ensuring operational efficiency.

How to Participate?

APP: Log in to the HTX App, go to the Earn section on the homepage, and select “$U Flexible“ on the Earn page. Quick access>>>

Web: Visit the official HTX website, click “Earn” in the top navigation bar, choose “Fixed, Flexible” in the dropdown menu, and click “Flexible” to find $U. Click here to enter>>>

About the project:

United Stables ($U) is a next‑generation stablecoin — a unified liquidity layer. It is not only a settlement asset but also the first operational‑grade stablecoin, designed to aggregate capital from institutions, DeFi, and global payments, and is fully backed 1:1 by cash and audited reserves. Learn more about HTX listing $U (United Coin) in the official announcement >>>

Terms and Conditions:

1. Interest Payment Rules

Flexible Products: Once you subscribe to a Flexible product, interest will begin to accrue from the next full hour following your subscription time. Earnings will compound hourly and be credited to your account instantly.

2. Redemption Rules

Flexible Products: They allow for redemption at any time. Upon successful redemption, the principal will be returned to subscribers' spot accounts immediately.

3. HTX reserves the right to modify, change or cancel this event for any reason without further notice.

4. HTX reserves the right for final interpretation of this event.

HTX

December 26, 2025

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HTX reserves the right in its sole discretion to amend or change or cancel this announcement at any time and for any reasons without prior notice. The above is for information purposes only and HTX makes no recommendations or guarantees in respect of any virtual asset, product, or promotion on HTX. Prices of virtual assets are highly volatile and trading virtual assets involves risk. Please read our Risk Reminder text here.