XT Contract Auto Earn: How to Enhance Capital Efficiency and Achieve Appreciation of Idle Funds?

In contract trading, risk management is often the first topic discussed, while capital efficiency is frequently underestimated. To cope with the uncertainty brought by extreme market conditions, traders typically proactively increase their margin levels, which is part of mature trading behavior.

However, during ranging markets or periods of unclear direction, this portion of margin often remains underutilized for extended periods. It safeguards the account's safety but rarely participates in the capital appreciation process. Over time, a hidden cost begins to emerge: the capital remains stable but fails to simultaneously release its potential value.

It is precisely within this trading reality that XT Futures Auto Earn was born. It does not seek returns by increasing risk but rather, through an automated mechanism, allows idle USDT-Margined contract margin to participate in daily interest accrual while remaining fully available for trading.

In other words, XT Futures Auto Earn does not alter trading pace nor interfere with strategic judgment. Instead, it enables capital to continuously work during the "waiting for opportunities" phase, bringing more efficient and perceptible capital performance to the futures account.

Quick Summary

• XT Futures Auto Earn allows eligible USDT-Margined contract margin to participate in daily interest accrual without locking funds or changing trading habits.
• Funds remain available for trading at all times. Earnings are calculated based on the actual account usage and automatically distributed on a UTC T+1 basis.
• This feature enhances the overall capital efficiency of the futures account without interfering with risk control or strategy.
• Simultaneously, users can participate in the XT Dual Rewards Blast campaign for additional contract rewards and a share of the 1,000,000 USDT prize pool.

The Hidden Efficiency Issue in Contract Trading

In contract trading, margin is always the core of risk management. Traders rely on margin to buffer short-term volatility, support positions, and retain sufficient operational space during sudden market shifts.

However, in practical use, margin often serves two roles simultaneously:

• Firstly, as a risk buffer to reduce liquidation risk;
• Secondly, as temporarily idle capital that is not fully utilized during trading gaps or strategy transitions.

During ranging or choppy price action, the latter situation becomes more pronounced. Margin is reserved for the long term but rarely directly contributes to account performance, leading to a decline in capital efficiency.

Traditional value-add methods often come with trade-offs that traders find difficult to accept, such as:

• Requiring locked funds, affecting liquidity
• Frequent asset transfers, disrupting account structure
• Relying on manual operations, increasing execution and timing risks

XT Futures Auto Earn attempts to answer a very simple core question:

While ensuring funds are always available for trading, can margin still operate more efficiently in the background?

What is XT Futures Auto Earn? And How to Understand It

XT Futures Auto Earn is a background interest-earning feature for USDT-Margined contract accounts. The interest accrual scope includes account equity, unrealized P&L, and eligible strategy position equity. After meeting the conditions and enabling the feature, the system will run automatically without requiring fund transfers, account structure adjustments, or changes to existing trading strategies.

XT Futures Auto Earn at a Glance

Item Description Product Type Background interest-earning feature Applicable Account USDT-Margined Contract Account Fund Locking No Earnings Distribution Daily interest accrual, UTC T+1 Fund Availability Always remains available for trading Risk Impact Does not alter existing trading risk

It is important to emphasize that the design goal of XT Futures Auto Earn is to improve capital usage efficiency, not to affect trading outcomes. It does not change the methods for opening, holding, or closing positions; the matching logic, margin rules, and risk parameters all remain unchanged.

How to Understand This Feature

Rather than viewing XT Futures Auto Earn as an independent financial product, it is better understood as a layer of "support mechanism" within the futures account.

XT Futures Auto Earn does not replace original trading and risk control decisions. Instead, while ensuring fund flexibility and availability, it allows temporarily idle margin to participate in interest accrual, bringing additional capital efficiency gains.

At XT.com, we always start from real trading behavior as the design basis, not idealized scenarios. XT Futures Auto Earn embodies this philosophy: it does not interrupt existing processes, does not increase operational complexity, but naturally integrates into the daily use of contract trading.

Why XT Launched Futures Auto Earn

As the derivatives market matures, traders' focus is also shifting. Matching efficiency and liquidity remain important, but more and more users are starting to pay attention to a question: What state are the funds in the account during trading gaps?

Through long-term observation, XT found that most platforms still treat margin as a single safety buffer tool, rarely discussing the opportunity cost brought by idle margin. For stability, contract traders often maintain sufficient margin, which is a rational choice in itself, but it may also lead to capital being in an inefficient state for extended periods.

Based on this reality, XT established several core goals when designing Futures Auto Earn:

• Improve margin usage efficiency without adding extra risk
• Avoid fund locking or forced transfers, maintaining stable account structure
• Reduce reliance on manual operations or additional strategies
• Fully respect traders' autonomous decision-making and fund control rights

Internally, Futures Auto Earn underwent multiple rounds of evaluation by risk control, compliance, and settlement teams before launch to ensure it can seamlessly integrate with the existing contract trading process. This also reflects XT's consistent philosophy for derivatives innovation: reduce friction, maintain flexibility, allowing capital to work quietly in the background without disturbing trading.

This thinking is also reflected in the XT Dual Rewards Blast campaign. This campaign combines Futures Auto Earn with a time-limited incentive mechanism, rewarding real trading behavior while allowing eligible users to earn daily returns from contract assets and participate in sharing additional contract rewards and the 1,000,000 USDT prize pool.

XT Dual Rewards Blast lets contract margin appreciate naturally. Based on Futures Auto Earn, eligible contract assets can earn USDT daily without locking or extra operations; without affecting trading pace, combined with the time-limited incentive mechanism, it allows funds to continuously work efficiently in the background.

How XT Futures Auto Earn Works

Futures account equity itself is highly dynamic. Changes in unrealized P&L, position adjustments, and strategy execution constantly affect account equity throughout the trading day. Therefore, any interest-earning mechanism based on contract margin must accurately reflect these changes, not calculate based on static balances.

Equity Snapshot Mechanism

XT.com records the real-time state of contract accounts at different points through hourly equity snapshots. The system records 24 snapshots per day, covering equity fluctuations during the trading process, not just focusing on a single instantaneous value. These snapshots include unrealized P&L and eligible strategy position equity, providing a more complete reflection of the actual usage of margin throughout the day.

Simply put, equity snapshots reflect the operating state of margin in a real trading environment.

Minimum Value Interest Accrual Principle

The interest accrual basis for daily earnings is taken from the lowest account equity value among the 24 snapshots of that day. This design primarily considers the following:

• Prevent short-term artificial balance adjustments
• Align earnings with sustained margin usage
• Guide more stable and rational margin management practices

Compared to pursuing short-term optimization, this mechanism emphasizes long-term consistency and fairness.

Earnings Calculation and Distribution

Earnings adopt a tiered annualized interest rate structure, set in tiers based on account asset size, combined with minimum participation thresholds and single-account caps to balance the participation experience for users of different asset sizes and overall fairness.

The daily earnings calculation formula is:

• Daily Earnings = Interest Accrual Principal × Annualized Interest Rate ÷ 365

Earnings will be distributed to the main contract account balance after UTC 0:00 on a T+1 basis. Distributed earnings are directly credited to the contract account balance, can be used for trading or normal withdrawals, and, when conditions are met, participate in subsequent interest accrual calculations, thereby achieving daily compounding.

Participation Rules, Account Structure, and Risk Control Mechanism

XT Futures Auto Earn can be directly enabled on the USDT-Margined Contract Assets page. After activation, the system will run automatically based on the account's eligibility and rules, requiring no additional user operations.

On the USDT-Margined Contract Assets page, users can directly enable XT Futures Auto Earn. After enabling, the system will run automatically based on account conditions, requiring no extra operations.

Participation Rules

Whether to participate in interest accrual is primarily based on the following two conditions:

• Minimum Asset Requirement: Ensures the interest accrual calculation has practical significance.
• Trading Activity Requirement: Judged based on recent contract trading volume.

These conditions are part of the system design, aiming to ensure fairness and consistency between different accounts, not to set usage barriers. Specific asset and trading activity thresholds are configured by the system and may be adjusted based on campaign cycles or phases.

Account Structure Explanation

• Both master and sub-accounts can participate
• Relevant account assets are combined for interest accrual calculation
• Earnings are uniformly distributed to the master contract account

Trading volume eligibility is counted at the user level, aggregating master and sub-account data, which aligns more closely with the actual risk management practices of contract traders. It is important to note that Futures Auto Earn must first be enabled in the master account before sub-accounts can participate; if the master account disables this feature, all associated sub-accounts will be disabled simultaneously.

After enabling the feature, the system will automatically distribute earnings daily after UTC 0:00. Users can enter the fund flow page via "Cumulative Earnings" and filter by "Interest" type to view detailed records.

Relevant risk control measures and blacklist management are handled by XT's operations and compliance teams. Participation parameters may be dynamically adjusted based on market conditions and regulatory requirements to ensure the overall robustness and compliance of the operation.

Who is XT Futures Auto Earn Suitable For?

XT Futures Auto Earn does not require traders to change their operating methods but actively adapts to different trading behaviors. It focuses on the usage state of margin within the contract account, not the trading strategy itself, thus covering various common contract trading scenarios.

User Type Common Margin Usage Pattern Role of XT Futures Auto Earn Long-term Position Holders