In the research of the wealth management market in Hong Kong, a noteworthy phenomenon has emerged. A survey by HSBC shows that 52% of middle-class families allocate their liquid assets as cash, and 60% of respondents admit that due to concerns about market volatility, the cash proportion in their investment portfolios has significantly increased. Even though the interest rates on bank demand deposits are generally below 0.25%, many investors still have to keep more than half of their liquid assets in cash.
This is not due to a preference for returns, but rather a struggle to find high-quality targets that balance safety, flexibility, and returns.
The Hong Kong Monetary Authority's 2024 report indicates that the average annualized return of local money market funds is 1.8%, which is below the 4.2% inflation rate. During the same period, the 30-day volatility of the cryptocurrency market reached 29%, causing 92% of household investors to shy away from on-chain assets.
This contradiction of "safe assets not appreciating, appreciating assets not being safe" essentially reflects the overlap of two major industry challenges: traditional finance has efficiency bottlenecks. From subscription to redemption, traditional funds must go through a T+2 settlement cycle, and funds from the Hong Kong Stock Connect may even take T+3 to arrive, causing investors to often miss market opportunities due to slow capital recovery.
On the other hand, there is a trust gap in the blockchain world. Although DeFi protocols claim "decentralized finance," risks such as smart contract vulnerabilities and project exits are frequent, with on-chain asset theft cases amounting to $1.7 billion in the first half of 2024. More critically, the lack of a compliance framework makes it difficult for institutional funds to enter the market. The Hong Kong Securities and Futures Commission stipulates that crypto assets aimed at retail investors must meet the requirement of "12-month volatility ≤ 15%", which excludes 95% of native tokens.
The demands of ordinary investors are simple and direct: is there a product that combines the safety of bank deposits, the flexibility of Yu'ebao, and yields that exceed demand deposits?
HashKey's Wealth Management Channel provides a definitive answer with its six carefully designed core advantages, offering a breakthrough for the market.
HashKey Wealth Management Channel's Six Core Advantages: Reshaping the Gold Standard of Stable Investment
First Advantage: Stable Income, 4%-5% Annualized Returns Build a Solid Safety Net
The first product launched by HashKey's Wealth Management Channel is the Bo Era Tokenized Money Market Fund, which primarily invests in U.S. short-term government bonds, Hong Kong interbank deposits, high-credit commercial paper, or investment-grade bonds rated by international rating agencies. This "overweighting of safe assets" strategy achieves annualized returns of 4%-4.5% in HKD and 4.5%-5% in USD (after fees), significantly higher than the returns on Hong Kong bank demand deposits, with returns reflected in the fund's net asset value (NAV) daily.
These returns have "counter-cyclical characteristics." During the global stock market correction in Q4 2024, the fund's monthly return reached 0.38% (USD share), while the Hang Seng Index fell by 5.2%, becoming a "return stabilizer" for investors. With a holding of $100,000, the annual return approaches $5,000, providing reliable protection for asset appreciation.
Second Advantage: Interest Enhancement, Holding for Over 3 Months Adds Yield Benefits
Based on the ecological incentive mechanism of HashKey Chain, users holding the fund for more than 3 months can receive annualized HSK token rewards of 0.3%-0.5% based on their holding market value. HSK can be used to offset on-chain transaction fees and other applications, effectively enhancing investors' overall returns.
For example, with a holding of 100,000 HKD, holding for a full year can yield a base return of 4,000 HKD, plus HSK incentives of 300-500 HKD, resulting in a total return of 4.3%-4.5%, approximately 0.5 percentage points higher than similar products, injecting additional growth momentum into stable investments.
Third Advantage: Extremely Low Risk, Triple Risk Control Safeguards Principal Safety
The product design maximizes risk control: its underlying assets primarily invest in high liquidity instruments with maturities not exceeding one year, including government and quasi-government bonds, deposits issued by financial institutions and corporations, and high-quality money market instruments; any fixed-income securities must receive investment-grade ratings from international rating agencies to ensure asset quality and credit safety.
The fund manager, Bosera Asset Management (Hong Kong), holds an SFC Type 9 license, and asset custody is managed by HashKey Exchange, a licensed entity by the Hong Kong Securities and Futures Commission, through its subsidiary HCSL, achieving independent compliance management of "manager - custodian - exchange"; users must complete a 7-dimensional risk assessment covering investment experience, asset scale, and risk preference before subscription, ensuring the product matches the investor's risk tolerance.
Fourth Advantage: High Liquidity, Near Real-Time Subscription and Redemption to Seize Market Opportunities
To address the pain points of traditional fund settlement, the Wealth Management Channel achieves "near real-time" circulation: subscription/redemption applications submitted before 9:00 AM on Hong Kong working days can complete share registration or fund arrival by 4:00-6:00 PM on the same day; applications submitted after 9:00 AM will be processed on the next working day, improving efficiency by 60% compared to traditional funds' T+2 settlement, giving investors more initiative amid market fluctuations.
In practice, this liquidity advantage is significant. The high liquidity provided by the Wealth Management Channel can significantly shorten the capital allocation cycle. When investors encounter sudden market fluctuations, they can complete the redemption of wealth management products and fund arrival operations on the same working day, greatly enhancing the flexibility and responsiveness of funds compared to the T+2 or even longer cycles of traditional funds. Whether adjusting positions in response to market fluctuations or capturing investment opportunities across asset classes, it helps investors grasp the rhythm more efficiently and improve capital utilization.
Fifth Advantage: 0 Exchange Fees, Transparent Charges Reduce Investment Costs
HashKey does not charge any subscription or redemption fees for this product. In the Hong Kong market, similar money market funds typically require investors to bear certain fees. For example, the Phillip HKD Money Market Fund does not charge subscription and redemption fees, but management fees can be as high as 0.5% annually, plus custody and accounting fees. The management fee for the E Fund (HK) Hong Kong Dollar Money Market Fund ranges from 0.20% to 0.60%, with subscription fees reaching up to 3%.
In contrast, HashKey's Wealth Management Channel has a significant advantage in its fee structure. HashKey does not charge any subscription or redemption fees, only charging a 0.2% annual management fee and 0.4% in other fees, which have already been deducted from the published yield. With a holding of $100,000, investors can save about $800 in transaction costs annually, equivalent to an additional 0.8% "implicit return" at the same yield level.
HashKey's "0 fees" strategy allows investors to truly achieve "all returns belong to themselves," redefining industry charging standards.
Sixth Advantage: Low Investment Threshold, Start Wealth Management with 1 USD
With a minimum subscription amount of 1 HKD / 1 USD, the traditional wealth management "high threshold" barrier is completely broken. Students can use pocket money to participate in global quality asset allocation, housewives can convert daily savings into stable returns, and scattered foreign exchange income from cross-border e-commerce can also be efficiently managed.
This "inclusive design" leads to a younger user structure, with data showing that users under 30 account for 45% of the Wealth Management Channel, significantly higher than the 18% in traditional funds.
Attention to Detail Achieves a Smooth Investment Journey
The realization of product advantages is attributed to meticulous design in the details. Upon first logging into the Wealth Management Channel, users must complete a 10-minute risk assessment covering education background, investment experience, annual income, and other 7 dimensions. The system recommends suitable products based on the results, ensuring that conservative investors can only see money market funds, while aggressive users can unlock structured and high-yield products in the future, making investment decisions more scientific.
The subscription process for HashKey Wealth Management is extremely simple and efficient, with deductions completed within 10 minutes after confirming the order. The platform provides an "Account Overview" feature, allowing users to view real-time valuations of wealth management assets, yesterday's returns, cumulative returns, and historical orders down to each transaction's order ID, creation time, and fund flow, improving transparency by 30% compared to traditional wealth management and completely eliminating concerns about "black box operations."
Compliance Technology Empowers Traditional Financial Upgrades
Supporting these advantages is HashKey Group's strength in "compliance technology." The self-developed HashKey Chain Layer 2 network reduces blockchain transaction costs from $3 on Ethereum to $0.0001, shortening confirmation times from 2-3 seconds to 0.01 seconds, achieving "seamless on-chain." Tokenization technology allows fund shares to be split down to 0.1 units, breaking the minimum subscription limits of traditional funds and creating conditions for small investments.
Building a compliance framework is crucial: all assets are subjected to KYC (Know Your Customer) and KYT (Know Your Transaction) before going on-chain, with anti-money laundering rules embedded in smart contracts to ensure each transaction complies with international standards such as FATCA and CRS. This "technology + compliance" dual guarantee attracts local banks, family offices, and other institutional investors in Hong Kong, with three licensed banks already including this product in their employee benefits plans.
From Product Innovation to Ecological Construction: The Logic of Breakthrough
The value of HashKey's Wealth Management Channel goes far beyond a single product, revealing three major evolutionary directions in asset management.
Return Visualization Innovation. Traditional funds rely on monthly net value reports, causing a lag in investors' perception of returns. The Wealth Management Channel updates NAV in real-time and pushes daily returns, making "asset appreciation" tangible. Data shows that this visualization design extends the holding period of clients by 23%, and the clear presentation of the compound interest effect enhances investor confidence.
Risk Assessment Precision. The 7-dimensional risk assessment system quantifies investors' risk tolerance into 5 levels, avoiding the issue of "conservative clients buying high-risk products," enhancing compliance and professionalism, and making risk matching more scientific.
Ecological Collaborative Development. The HSK incentive mechanism transforms investors from "product users" to "ecological co-builders," allowing tokens obtained from holding funds to be exchanged for on-chain services, forming a sustainable financial ecosystem. Currently, 12 overseas fund projects have applied to connect with HashKey Chain, promoting the healthy expansion of the product matrix.
Conclusion: Responding to True Needs with Hard Power
At the roundtable forum of Hong Kong FinTech Week, Terence Pu, General Manager of HashKey Exchange, pointed out: "What investors need is visible safety, calculable returns, and tangible convenience." The six core advantages of the Wealth Management Channel are a precise response to this demand.
As global asset allocation enters the "post-turbulence era," HashKey's Wealth Management Channel proves that true financial innovation empowers tradition, achieving a unity of safety and efficiency, and a combination of professionalism and inclusiveness. For investors, this marks the beginning of a new era where there is no need to compromise between risk and return; for the industry, it represents a paradigm revolution that returns to the essence, allowing every penny to operate efficiently within a compliance framework, making stable investment an accessible choice.
In the fog of asset allocation, HashKey's Wealth Management Channel, with its solid product strength, becomes a value anchor that transcends cycles, and opens the door to the interconnection between traditional finance and the blockchain world, heralding the arrival of a new financial era that balances safety, efficiency, and inclusiveness.
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