In the survey of Hong Kong's wealth management market, a phenomenon worthy of attention emerged. According to a survey by HSBC, 52% of middle-class families allocate their liquid assets to cash, and 60% of the respondents admitted that the proportion of cash in their investment portfolios has increased significantly due to concerns about market fluctuations. Even though the interest rate of bank current deposits is generally lower than 0.25%, a large number of investors still have to deposit more than half of their liquid assets in it.
This is not due to a preference for returns, but rather the difficulty in finding high-quality targets that combine safety, flexibility and returns.
The Hong Kong Monetary Authority's 2024 report shows that the average annualized return of local money market funds is 1.8%, lower than the inflation rate of 4.2%. During the same period, the 30-day volatility of the cryptocurrency market reached 29%, causing 92% of household investors to stay away from on-chain assets.
This contradiction of "safe assets do not appreciate, and value-added assets are not safe" is essentially the superposition of two major industry problems: traditional finance has efficiency bottlenecks. From subscription to redemption, traditional funds need to go through a T+2 settlement cycle, and Hong Kong Stock Connect funds even need T+3 to arrive. Investors often miss market opportunities due to slow fund recovery.
However, there is a trust gap in the blockchain world. Although the DeFi protocol claims to be "decentralized financial management", risk events such as smart contract loopholes and project owners running away frequently occur. In the first half of 2024, the amount involved in the theft of on-chain assets reached US$1.7 billion. More importantly, 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 for retail investors must meet the "12-month volatility ≤ 15%", which excludes 95% of native tokens.
The demands of ordinary investors are simple and direct: Is it possible to have a product that combines the security of bank deposits, the flexibility of Yu'e Bao, and at the same time has returns that exceed those of current accounts?
HashKey Financial Management Channel has given a positive answer with its six carefully designed core advantages, providing a breakthrough for the market.
HashKey Financial Management Channel's six core advantages: Reshaping the gold standard for stable investment
The first advantage: Stable interest, 4%-5% annualized return builds a solid safety cushion
The first phase of the Boshi Tokenized Money Market Fund launched by HashKey Financial Management Channel has underlying configurations of short-term U.S. Treasury bonds, Hong Kong interbank deposits, high-credit commercial paper or investment-grade bonds of international rating agencies, etc. This "overweight safe assets" strategy achieves an annualized return of 4%-4.5% in Hong Kong dollars and 4.5%-5% in US dollars (after fees), which is significantly higher than the return on Hong Kong bank demand deposits. The return is reflected in real time through the fund's net value (NAV) every day.
This return has "counter-cyclical characteristics". During the global stock market correction in Q4 2024, the fund's monthly return reached 0.38% (US dollar share), while the Hang Seng Index fell 5.2% during the same period, becoming an "income stabilizer" for investors. Based on a holding of US$100,000, the annual return is close to US$5,000, providing reliable protection for asset appreciation.
The second advantage: increased interest, holding for more than 3 months adds to the income gain
Based on the ecological incentive mechanism of HashKey Chain, users who hold the fund for more than 3 months can receive an annualized HSK token reward of 0.3%-0.5% based on the market value of their holdings. HSK can be used to offset on-chain transaction fees and realize multiple application scenarios, effectively improving the comprehensive benefits of investors.
Taking a holding of HK$100,000 as an example, a basic income of HK$4,000 can be obtained after holding for one year, plus an HSK incentive of HK$300-500, for a comprehensive income of 4.3%-4.5%, which is about 0.5 percentage points higher than similar products, injecting additional growth momentum into stable investment.
The third advantage: extremely low risk, triple risk control to protect the principal
The product design takes risk control to the extreme: its underlying assets are mainly invested in high-liquidity instruments with a term of no more than one year, including government and quasi-government bonds, deposits issued by financial institutions and enterprises, and high-quality money market instruments; all fixed-income securities involved must obtain 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 Category 9 license, and asset custody is handled by HashKey Exchange, a licensed institution of the Hong Kong Securities and Futures Commission, through its subsidiary HCSL, to achieve independent compliance management of "manager-custodian-exchange". Users must complete a 7-dimensional risk assessment before subscribing, covering investment experience, asset size, and risk preference, to ensure that the product matches the investor's risk tolerance.
The fourth advantage: high liquidity and near- real-time subscription and redemption to seize market opportunities
In response to the pain points of traditional fund settlement, the wealth management channel realizes "quasi-real-time" circulation: if the subscription/redemption application is submitted before 9:00 on Hong Kong working days, the share registration or fund arrival can be completed between 16:00-18:00 on the same day; if the application is submitted after 9:00, it will be postponed to the next working day for processing, which is 60% higher than the T+2 settlement efficiency of traditional funds, allowing investors to have more initiative in market fluctuations.
In actual applications, this liquidity advantage has achieved remarkable results. The high liquidity provided by the financial management channel can significantly shorten the fund allocation cycle. When investors encounter sudden market fluctuations, they can complete the redemption of financial products and the arrival of funds on the same working day. Compared with the traditional fund T+2 or even longer period of fund arrival, it greatly improves the flexibility and adaptability of funds. Whether it is adjusting positions to cope with market fluctuations or capturing investment opportunities across asset classes, it can help investors grasp the rhythm more efficiently and improve the efficiency of fund use.
The fifth advantage: 0 exchange fees, transparent fees, lower investment costs
HashKey does not charge any subscription or redemption fees for this product. In similar money market funds in the Hong Kong market, investors usually need to bear certain fees.
In contrast, HashKey's financial management channel has a significant advantage in fee structure. HashKey does not charge any subscription and redemption fees. The fund manager only charges an annualized management fee of 0.2% and other fees of 0.4%, and these fees have been deducted from the published rate of return. Based on a holding of $100,000, investors can save about $800 in transaction costs each year, which is equivalent to an additional 0.8% "hidden income" at the same level of income.
HashKey's "0 fee" strategy allows investors to truly realize "all profits belong to themselves" and redefines the industry's charging standards.
The sixth advantage: Low investment threshold of $ 1 to start universal financial management
The minimum subscription amount of HKD 1/USD 1 completely breaks the "high threshold" barrier of traditional financial management. Students can use their pocket money to participate in global high-quality asset allocation, housewives can convert their daily surplus into stable income, and scattered foreign exchange income of cross-border e-commerce can also be managed efficiently.
This "inclusive design" has resulted in a younger user structure. Data shows that users under the age of 30 account for 45% of the wealth management channel, significantly higher than the 18% of traditional funds.
Polishing the details makes the investment journey smooth
The implementation of product advantages is due to the careful design of details. When logging into the financial management channel for the first time, users need to complete a 10-minute risk assessment, covering seven dimensions such as educational background, investment experience, and annual income. The system recommends suitable products based on the results. Conservative investors can only see money market funds, while aggressive users can unlock structured and high-yield products in the future to achieve scientific investment decisions.
The subscription process of HashKey financial management is extremely simple and efficient. After confirming the order, the deduction will be completed within 10 minutes at the fastest. The platform provides an "account overview" function, where users can view the valuation of financial assets, yesterday's income, and cumulative income in real time. Historical orders can be accurate to the order ID, creation time and capital flow of each transaction. The transparency is 30% higher than that of traditional financial management, completely eliminating the concern of "black box operation".
Compliance technology empowers traditional financial upgrades
Supporting these advantages is the "compliance technology" strength of HashKey Group. The independently developed HashKey Chain second-layer network reduces the blockchain transaction cost from $3 of Ethereum to $0.0001, and shortens the confirmation time from 2-3 seconds to 0.01 seconds, achieving "unconscious on-chain". Tokenization technology allows fund shares to be divided into 0.1 units, breaking the minimum subscription limit of traditional funds and creating conditions for small investments.
The establishment of a compliance framework is crucial: all assets must pass KYC (customer identification) and KYT (transaction monitoring) before being put on the chain, and the smart contract has built-in anti-money laundering rules to ensure that each transaction complies with international standards such as FATCA and CRS. This "technology + compliance" dual guarantee has attracted institutional investors such as local banks and family offices in Hong Kong to enter the market. Three licensed banks have included this product in their employee welfare plans.
The logic of breaking through from product innovation to ecosystem construction
The value of HashKey's financial management channel goes far beyond the scope of a single product and reveals the three major evolutionary directions of asset management.
Income visualization innovation. Traditional funds rely on monthly net asset value reports, and investors’ perception of income lags behind. The financial management channel makes “asset appreciation” within reach through real-time NAV updates and daily income push notifications. Data shows that this visualization design extends the customer’s holding period by 23%, and the clear presentation of the compound interest effect enhances investor confidence.
Precise risk assessment. The 7-dimensional risk assessment system quantifies investors’ risk tolerance into 5 levels, avoiding the problem of “conservative customers buying high-risk products”, improving 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". The tokens obtained by holding funds can be exchanged for on-chain services to form a sustainable financial ecology. Currently, 12 overseas fund projects have applied to access HashKey Chain, promoting the healthy expansion of the product matrix.
Conclusion: Responding to real needs with hard power
At the roundtable forum of Hong Kong Fintech Week, Terence Pu, Managing Director of HashKey Exchange, pointed out: "What investors need is visible security, calculable returns, and tangible convenience." The six core advantages of the financial management channel are a precise response to this demand.
As global asset allocation enters the "post-turbulence era", HashKey Financial Management Channel proves that true financial innovation is to empower tradition with technology, achieve the unity of security and efficiency, and the combination of professionalism and inclusiveness. For investors, this is the beginning of a new era without the need to compromise between risk and return; for the industry, this is a paradigm revolution that returns to its essence, allowing every penny to operate efficiently under a compliance framework, making stable investment an accessible option.
In the fog of asset allocation, HashKey Financial Management Channel has become a value anchor for crossing cycles with its solid product strength. It has also opened the door to interconnection between traditional finance and the blockchain world, heralding the arrival of a new financial era that balances security, efficiency and inclusiveness.
