Flexible and fixed-term products use different rate sources. Interest is rounded only when it is distributed.
Core Concepts
Two different sources of interest rates
| Authoritative source | Effect of a rate change | |
|---|---|---|
| Flexible | Interest-rate history table | A rate change inserts a new row; interest then accrues at the new rate |
| Fixed-term | Snapshot stored on the order | Existing orders are unaffected |
Applying flexible-product rate logic to fixed-term orders, or vice versa, makes displayed returns differ from actual credits.
Interest accrual and rounding
Flexible products accrue interest in hourly segments. Calculation precision is 6 decimal places higher than ledger precision. Rounding down occurs only on distribution, with the remainder carried forward.
⚠ Daily interest multiplied by 30 does not necessarily equal a month's interest.
Use the annualized rate we provide when displaying estimated returns. Do not compound it daily yourself:
that can overstate the actual return and create a discrepancy for the user.
The seventh balance bucket
Member balances are divided into buckets, including wealth. A subscription reclassifies funds belonging to the same member:
可用余额 ──► 理财余额
The two legs balance without a third party. There is no “refund after failure” state for this workflow, because it involves no external system.
New products do not require a client release
Products and term options are configured in the backend. Render the product list dynamically; do not hardcode term options such as 30/90/180.