When asset allocation breaks through, how can HashKey Financial Channel reconstruct a stable investment paradigm with six core advantages?

In the survey of Hong Kong 's wealth management market, a phenomenon worthy of attention has emerged. According to a HSBC survey, 52% of middle-class households allocated current assets to cash, and 60% of respondents admitted that the proportion of cash in their portfolios increased significantly due to concerns about market volatility. Even if the interest rates of bank demand deposits are generally below 0.25%, a large number of investors still have to deposit more than half of the current assets.

This is not due to profit preference, but the difficulty of finding high-quality targets that take into account safety, flexibility and profitability.

The 2024 report of the Hong Kong Monetary Authority shows that local money market funds have an average annualized return of 1.8%, which is lower than the inflation rate of 4.2%. The 30-day volatility of the cryptocurrency market reached 29% during the same period, resulting in 92% of household investors being discouraged by on-chain assets.

This contradiction of "safe assets do not increase in value, value-added assets are not safe" is essentially a superposition of two major industry problems: traditional finance has efficiency bottlenecks. From subscription to redemption, traditional funds need to go through a T+2 settlement cycle, and Hong Kong Stock Connect funds even need to be T+3 to arrive. Investors often miss market opportunities due to slow capital recovery.

There is a trust gap in the blockchain world. Although the DeFi agreement claims "decentralized financial management", risk events such as smart contract vulnerabilities and project parties run away frequently occur, and the amount involved in on-chain asset theft cases reached US$1.7 billion in the first half of 2024. More importantly, the lack of compliance framework makes it difficult for institutional funds to enter. The Hong Kong Securities and Exchange Commission stipulates that crypto assets for retail investors must meet "12-month volatility ≤15%", which excludes 95% of native tokens.

The demands of ordinary investors are simple and direct: Can you have a product that combines the security of bank deposits and the flexibility of Yu'ebao, and also has returns that exceed current conditions?

HashKey Financial Channel provides a positive answer with six carefully designed core advantages, providing a way to break the situation for the market.

HashKey **Financial Channel’s six core advantages: Reshaping the gold

standard for stable investment**

The first advantage: stable income, 4%-5% **annualized income

builds a solid safety cushion**

The first phase of the HashKey Financial Management Channel has launched the Boshi monetization money market fund, with the underlying allocation of US short-term treasury bonds, Hong Kong interbank deposits, high-credit commercial paper or internationally rated institutional investment-grade bonds, etc. This "over-allocated safe assets" strategy achieves annualized returns (after fees) of 4%-4.5% and 4.5%-5% of the US dollar, which is significantly higher than the current deposit income of Hong Kong banks, and the income is reflected in real time through the fund net value (NAV).

This income has a "counter-cyclical characteristic". During the Q4 2024 global stock market correction period, the fund's monthly return reached 0.38% (USD share), while the Hang Seng Index fell 5.2% during the same period, becoming a "return stabilizer" for investors. Calculated from a holding of US$100,000, the annual income is close to US$5,000, providing reliable guarantees for asset appreciation.

**The second biggest advantage: interest enhancement, holding for more

than** 3 months plus profit gain

Based on the ecological incentive mechanism of HashKey Chain, users who have held the fund for more than 3 months can receive an annualized HSK token reward of 0.3%-0.5% based on the market value of their holdings. HSK can be used to deduct on-chain transaction fees and other application scenarios to effectively improve investors' comprehensive returns.

Taking the holding of HK$100,000 as an example, if you hold it for one year, you can get a basic income of HK$4,000. With the HSK incentive of HK$300-500, the comprehensive income reaches 4.3%-4.5%, about 0.5 percentage points higher than similar products, injecting additional growth momentum into stable investment.

**The third advantage: extremely low risk, triple risk control protects

the safety of the principal**

Product design maximizes risk control: its underlying assets are mainly invested in high-liquidity tools with a maturity of no more than one year, including government-type government bonds, deposits issued by financial institutions and enterprises and high-quality money market tools; for fixed-income securities, they must obtain investment-grade ratings from international rating agencies to ensure asset quality and credit security.

Fund manager Bose Asset Management (Hong Kong) holds a Class 9 SFC license, and asset custody is under the responsibility of HashKey Exchange, a licensed institution of the Hong Kong Securities Regulatory Commission, through its subsidiary HCSL, to achieve independent compliance management of "manager-custodian-exchange". Users must complete 7-dimensional risk assessment before subscribing, covering investment experience, asset scale, and risk preferences to ensure that the product matches the risk tolerance of investors.

Fourth advantage: High liquidity, **accurate real-time

redemption, seize market opportunities**

In response to the pain points of traditional fund settlement, the financial management channel achieves "quasi-real-time" circulation: Submit subscription/redemption applications before 9:00 on working days in Hong Kong, and share registration or funds can be completed from 16:00 to 18:00 on the same day; submission after 9:00 will be postponed to the next working day, which will increase the efficiency of T+2 settlement of traditional funds by 60%, allowing investors to have more initiative in market fluctuations.

In practical applications, this liquidity advantage has achieved remarkable results. The high liquidity provided by the financial management channel can significantly shorten the capital allocation cycle. When investors encounter sudden market fluctuations, they can complete the redemption of financial products and fund arrival operations on the working day. Compared with traditional funds T+2 or even longer periods of fund arrival, it greatly improves the flexibility and resilience of funds. Whether adjusting positions to deal with market fluctuations or capturing investment opportunities across asset classes, it can help investors grasp the rhythm more efficiently and improve the efficiency of capital use.

The fifth advantage: 0 Exchange fees **transparently

charge reduces investment costs**

HashKey does not charge any subscription or redemption fees for this product. In similar money market funds in the Hong Kong market, investors usually have to bear certain fees. For example, Phillip HKD Money Market Fund does not charge subscription and redemption fees, but the management fee can be annualized as much as 0.5%, and there are also custody and accounting fees. E Fund (HK) Hong Kong Dollar Money Market Fund has an administrative fee of 0.20% to 0.60%, and the subscription fee can be up to 3%.

By contrast, the HashKey financial channel has significant advantages in fee structure. HashKey does not charge any subscription and redemption fees, and only the annualized management fee of 0.2% and other fees of 0.4% are charged by the fund manager, and these fees have been deducted from the published yield. Based on a $100,000 position, investors can save about $800 in transaction costs each year, which is equivalent to an additional 0.8% "implicit returns" at the same level of return.

HashKey's "0 fee" strategy allows investors to truly realize that "all returns are their own" and redefine the industry charging standards.

Sixth advantage: Starting from low investment threshold of 1

USD

The subscription amount of HKD 1/USD is completely broken through the "high threshold" barrier of traditional financial management. Students can use pocket money to participate in global high-quality asset allocation, housewives can convert daily surpluses into stable returns, and the fragmented foreign exchange income of cross-border e-commerce can also be efficiently managed.

This "inclusive design" has brought about a younger user structure. Data shows that the proportion of users under the age of 30 in the financial management channel accounts for 45%, which is significantly higher than 18% of traditional funds.

Detail polishing achieves a smooth investment journey

The implementation of product advantages is due to the careful design of details. When logging into the financial management channel for the first time, users need to complete a 10-minute risk assessment, covering seven dimensions including educational background, investment experience, annual income, etc. The system recommends adaptive products based on the results. Conservative investors can only see money market funds. Radical users can unlock structured and high-yield products in the future to achieve scientific investment decisions.

HashKey's financial management subscription process is extremely simple and efficient, and the deduction is completed within 10 minutes after confirming the order. The platform provides the "Account Overview" function, where users can view financial asset valuation, yesterday's income, and cumulative income in real time. Historical orders can be accurate to the order ID, creation time and capital flow of each transaction. The transparency is 30% higher than traditional financial management, completely eliminating the concerns of "black box operations".

Compliance technology empowers traditional finance upgrades

What supports these advantages is the "compliance technology" strength of HashKey Group. The independently developed HashKey Chain Layer 2 network has reduced the blockchain transaction cost from US$3 in Ethereum to US$0.0001, and the confirmation time is shortened from 2-3 seconds to 0.01 seconds, realizing "invisible-winding". Tokenization technology allows fund shares to be divided into 0.1 units, breaking the minimum subscription limit for traditional funds and creating conditions for small investment.

The construction of a compliance framework is crucial: All assets are passed through KYC (customer identity identification) and KYT (transaction monitoring) before being launched. The smart contract has built-in anti-money laundering rules to ensure that each transaction complies with international standards such as FATCA and CRS. This dual guarantee of "technology + compliance" has attracted institutional investors such as Hong Kong local banks and family offices to enter the market. Three licensed banks have included this product in the employee welfare plan.

Breakthrough logic from product innovation to ecological construction

The value of HashKey financial management channel is far beyond the scope of a single product, revealing the three major evolutionary directions of asset management.

Revenue visualization innovation. Traditional funds rely on monthly net worth reports, and investors' perception of returns lags. The financial management channel uses real-time updates and daily income pushes to make "asset appreciation" within reach. Data shows that this visual design extends the customer's holding cycle by 23%, and the clear presentation of the compound interest effect enhances investor confidence.

Accurate risk assessment. The 7-dimensional risk assessment system quantifies investors' risk tolerance into 5 levels, avoiding the problem of "conservative customers buying high-risk products", improving compliance and professionalism, and making risk matching more scientific.

Ecological coordinated development. The HSK incentive mechanism enables investors to transform from "product user" to "ecological co-builders", holding the tokens obtained by the funds can be converted on-chain services, forming a sustainable financial ecosystem. At present, 12 overseas fund projects have applied to access HashKey Chain to promote the healthy expansion of the product matrix.

Conclusion: Respond to real needs with hard power

At the roundtable forum for Hong Kong FinTech Week, Terence Pu, managing director of HashKey Exchange, pointed out: "What investors need is visible security, clear returns, and tangible convenience." The six core advantages of the financial channel are precisely the precise response to this demand.

When global asset allocation enters the "post-turbulent era", HashKey Financial Channel proves that true financial innovation is to empower tradition with technology to achieve the unity of security and efficiency, and the combination of professionalism and inclusiveness. For investors, this is the beginning of a new era without compromising between risks and returns; for the industry, this is a paradigm revolution that returns to its essence, allowing every penny to operate efficiently under the compliance framework, and making steady investment an accessible choice.

In the fog of asset allocation, HashKey Financial Management Channel has become the value anchor for the time-travel cycle with its solid product strength, and has opened the door to the interoperability of traditional finance and the blockchain world, indicating the arrival of a new financial era that takes into account security, efficiency and inclusiveness.