Recently, the overall liquidity in the crypto industry has continued to shrink, and the market has cooled down, making investing increasingly resemble a marathon where "you put in too much effort but get little return." Major platforms are launching more complex investment models and adding derivative products to attract participants with seemingly attractive high APRs. However, the reality is that behind the higher returns are higher investment requirements for users.
The daily trading volume threshold of thousands of dollars, cumbersome task paths, and frequent account rebalancing and transfer costs force ordinary investors to invest far more effort and capital than the actual returns. In this environment of severe imbalance between input and output, asset growth is becoming a game for professional players: top institutions can easily capture the vast majority of profits with their size and tools, while ordinary users often become "runners-up."
Faced with this situation, LBank chose a completely different path to break the deadlock.
LBank's five wealth engines are not about piling up complicated schemes or creating inflated returns, but rather about starting from users' real needs to form a low-barrier, stable-return, sustainable, and universally accessible growth system. Covering a full range of products including trading, wealth management, incentives, ecosystem participation, and social networking, it opens up a truly viable path to wealth growth for ordinary users, making "making money" no longer the privilege of a few, but a growth formula that everyone can easily join.
Industry's Old Model vs. LBank's Wealth Engine: Two Completely Different Growth Logics
In the past, the growth of most platforms was based on a "screening and differentiation" model. They used complex rules, high financial thresholds, and hidden costs to quietly divide users into two categories: a few "super players" who could cross the threshold and had the time and capital, and the majority of "ordinary users" who were forced to stay out and could only dabble in the market.
In this logic, the underlying formula is: "High investment → Only then can one be qualified to pursue high returns." For ordinary people, investing is no longer a journey of visible progress and growth, but rather a war of attrition that tests energy, capital, and information asymmetry. Very few people can persevere to the end; most are left with only anxiety and exhaustion.
In stark contrast, LBank's core logic for its wealth engine is "integration and empowerment." LBank doesn't view growth as a zero-sum game of winners and losers, but rather strives to create an inclusive wealth ecosystem characterized by "low barriers to entry → high participation → sustainable returns." Here, the five engines are not cold, impersonal functionalities, but rather an interconnected, organic growth matrix:
Wealth management products offer steady growth, the VIP wealth management system allows high-net-worth users to enjoy "quasi-institutional" return efficiency, BoostHub allows every participation to accumulate and amplify long-term value, Candyverse transforms social behavior into realizable asset value, and the spot trading zero-fee activity significantly reduces the basic transaction costs for all users, making trading itself an efficient and low-resistance growth method.
Next, we will break down these five engines one by one to reveal how users can leverage them to achieve true "passive growth".
Spot trading with zero transaction fees: The first step in lowering the investment threshold.
The cornerstone of investment growth begins with minimizing the cost of every transaction. Starting from midnight on November 29th, LBank officially announced the full implementation of zero transaction fees for spot trading. During the promotion period, all spot trading pairs on the platform will be free of charge, providing users with a truly "zero-cost" trading environment. However, LBank's approach goes beyond fee optimization: the transaction fees saved by users during the promotion period will be added to a daily rewards pool; if funds are transferred to a contract account, users can also receive a 100% enhanced bonus, achieving the double benefit of "zero transaction fees + deposit rewards." This makes every order a more than just a simple buy and sell, but rather an "upgrade" of their assets.
The market's enthusiastic response is the strongest affirmation of this inclusive model. As of December 4th, users had saved over $18.66 million in transaction fees. Meanwhile, CoinGecko data shows that LBank's spot trading volume surged 52.9% compared to before the event, with a dramatic increase in the frequency of small and medium-sized transactions. Ordinary investors flocked to the market with unprecedented enthusiasm, transforming from observers to active participants.
Transforming transactions from a "paid structure" to "zero-cost participation" represents an upgrade in business models; while "giving back cost savings to users and building a growth flywheel" signifies a complete victory for ecosystem thinking.
Earn Financial Management: Stable returns, making growth "not dependent on luck".
If zero transaction fees for spot trading remove the first cost barrier for users entering the market, then Earn provides a foundation for continuous and predictable asset growth. It allows asset growth to completely break free from dependence on bull markets, transforming uncertainty into a stable cash flow that can be planned, compounded, and calculated, achieving true "relying on strength, not luck."
LBank Earn offers a diverse range of products, including current accounts, fixed deposits, and dual-currency investments, providing stable income streams for users with varying risk appetites. Previous projects have seen annualized returns as high as 634% for current account investments and even reached 800% for fixed deposit investments. The new dual-currency investment further enriches strategy options: users lock in stable returns upon subscription, with automatic buying and selling at the target price upon settlement; if the target price is not met, the principal and returns are safely returned without additional operating costs.
During a seven-day stablecoin investment extravaganza that kicked off on November 6th, we witnessed the immense appeal of certainty: over 93,000 users invested during the event, driving the platform's total value locked (TVL) to a peak of $67.4 million. In the volatile crypto world, "value anchors" that offer stable, calculable compound growth are becoming the most steadfast choice for smart money.
VIP Wealth Management System: For high-net-worth individuals, it amplifies the entire return curve.
Beyond regular wealth management, LBank's VIP wealth management system offers high-net-worth individuals higher return caps and greater financial flexibility. Through VIP wealth management, users can enjoy higher annualized returns than regular products, as well as higher investment limits and exclusive wealth management product quotas, providing "quasi-institutional" efficiency and convenience for asset growth.
The current VIP wealth management mainly includes two core activities: fixed-term wealth management and contract-based coin earning, which respectively play the different roles of "stability" and "flexibility":
- Regular investment: Give large sums of money a safe period to grow. VIP users can lock USDT or BTC for 7 days to enjoy stable returns of up to 6% APY for USDT and up to 3% APY for BTC.
- Earn Coins Through Contracts: A "dual-use" strategy where you trade and earn interest simultaneously. VIP users can transfer their USDT assets to their futures accounts and receive daily interest while conducting normal futures trading, with a maximum annualized return of 25% APY.
For high-net-worth individuals, LBank's VIP wealth management system is far more than just a label that offers "higher returns." It's a comprehensive control panel that keeps large sums of money actively managed. It transforms assets from cold, hard numbers in an account into a "funds team" that can be deployed according to the user's pace, generating returns 24/7, allowing them to truly control the direction and rhythm of their wealth.
BoostHub: From "Staking Participant" to "Ecosystem Builder"
On many platforms, staking is merely a mechanical action of "locking up tokens to receive them"; but on BoostHub, staking and participation mean truly entering the inner circle of a project's growth. It's not just a tool to obtain new project token rewards through staking or providing liquidity, but also a "stepping stone" for value amplification: users receive token rewards on one hand, and share in the potential benefits of the project's growth on the other.
Currently, BoostHub has launched two highly anticipated events: BVTBERABTC and KO. BVTBERABTC, as a next-generation BTC-Fi asset, saw its token price increase by up to 103.61%, with a total prize pool of 153,846 tokens. KO, on the other hand, is an AI-driven social game token developed by the KeyOrigin platform, which saw its price increase by up to 32.95%, with a total prize pool of 1,250,000 tokens.
BoostHub selects projects to ensure users don't just "come and collect some profits," but have the opportunity to start a new chapter. Regarding participation thresholds, LBank has designed two parallel participation pools to cover different risk appetites and fund usage habits: the Smart Pool requires users to complete at least one spot or contract trade during the registration period and hold ≥ 1,000 USDT at the time of the snapshot; the Contract Pool calculates the user's average net contract position (including leverage) for that hour, and as long as the minimum threshold of 1,000 USDT is reached, it will be counted towards the valid quota.
CandyVerse: Turning Social Interaction into a "Sweet Asset Game"
In CandyVerse, a simple like or share can step into an easy and rewarding wealth game. This is LBank's long-term branded user incentive program, cleverly linking social media tasks and airdrop rewards into a closed loop:
"Complete tasks → Win prizes → Share the prize pool." Every interaction is like opening a blind box in the digital world, where you might "open a surprise" at any time.
Starting with Halloween, CandyVerse has launched its long-term series: the first airdrop of 26,000 BRETT tokens attracted 19,512 users to join the festivities; the second airdrop of 78,000 SLERF tokens drew 11,084 enthusiastic participants. For users, this is not a battlefield of financial resources, but a growth paradise focused solely on participation.
The secret map to wealth growth: turning every investment into value.
In the long and cyclical world of crypto, prices always rise and fall, and narratives are constantly being renewed. What is truly scarce is never the story of the next surge, but a sufficiently stable and clear growth mechanism.
What LBank aims to do is precisely this seemingly unassuming yet enduring endeavor: to fuse complex financial instruments, previously reserved for a select few professional players, fragmented opportunities scattered across various sectors, and an ever-evolving ecosystem, into a comprehensive, accessible, and sustainable growth system through five major asset growth engines.
This system not only prevents ordinary users from becoming "bystanders" in the market, but also ensures that every investment and every operation can be transformed into sustainable asset growth. It's more like a growth map that everyone can use, guiding users to move steadily forward in a volatile market, allowing everyone to control the direction of their asset curve at their own pace.
Once the rules are clearly defined, the tools are packaged, and the pathways are illuminated, your asset story unfolds in a completely new way.
This article, "From Runner-Up to Leader: LBank is Rewriting the Rules of the Crypto Investment Game," first appeared on ABMedia .
