2025-12-17 01:15:41

A leading compliant platform is quietly adjusting its business model. An industry insider recently shared his observations — as a member of this platform and an international credit card holder, he discovered an interesting trend: exchanges are no longer just aiming for trade matching, but are building a more bank-like ecosystem to increase stickiness.

What exactly are they doing? A combination of annual fee + asset locking. When users lock approximately $200,000 in assets on the platform, they can unlock a 4% annualized return. This is not just simple trading rebates, but a product designed around users' long-term asset allocation.

From exchanges to "bank-like" entities, what does this shift reflect? It’s essentially a battle for user stickiness — whoever can keep users’ funds long-term wins. Annual fee memberships, asset locking, stable returns… these are old tricks from traditional finance, now being brought into the Web3 world. Interestingly, whether this model can truly retain users depends on actual market feedback.

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BlockDetective

· 2025-12-18 18:16

Hmm... a $200,000 threshold sounds pretty outrageous. Is this the new way to cut leeks? --- Annual fee + lock-up + 4%... Old wine in a new bottle, can you believe it? --- The traditional financial approach always feels off when played in Web3. Let's see how many people get trapped. --- Basically, it's about fearing user exit, trapping people with some returns. I find it hard to believe. --- Only 4% for $200,000? That yield is really "sweet." --- True stickiness should come from a product that is genuinely useful, not from lock-up schemes. --- Another "bank-like" entity, the death flag list for Web3 exchanges transforming into banks just got longer. --- Laugh out loud, exchanges have learned the fund pool strategies from TradFi.

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BankruptWorker

· 2025-12-17 08:17

Exchanges are adopting the same approach as traditional banks... Basically, they're afraid of users leaving. Locking in $200,000 with a 4% annualized rate sounds good, but it's really just for stability. The question is, do they really have that much idle money to pour in?

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zkProofGremlin

· 2025-12-17 01:43

This is a typical exchange internal competition; only 4% for $200,000... traditional banks offer higher returns.

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DeFiVeteran

· 2025-12-17 01:43

It's the same old trick again, locking in 200,000 yuan for only 4%? Might as well just do lending mining directly. --- Annual fee + asset lock-in, sounds like traditional banking tactics transplanted onto the blockchain. Let's see how long it can last. --- Sticking power sounds nice, but essentially it's just fear of users fleeing. Why make it so complicated? --- Wait, a 4% annual yield to lock in user assets? I find that hard to believe. Let's see in a bear market. --- Is the exchange learning from banks to build an ecosystem? Speechless, just another scheme to create platform tokens. --- The $200,000 threshold is really high; only big players can participate. The retail investors can only watch. --- After all this talk about decentralization, now they're doing centralized locking? How ironic. --- I think in the end, it all depends on whether this platform can hold up. One big crash and everything is pointless. --- At least the referral commissions can be withdrawn at any time. But locking assets feels like being trapped.

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notSatoshi1971

· 2025-12-17 01:25

Annual fee + asset locking, in simple terms, it's just a rebranded version of traditional banking. Interestingly, Web3 is really heading down the old path of traditional finance.

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