# Earn FAQ 1. How is the profit calculated? 1. In order to ensure the safety of the fund pool, 15% of the total interest will be used as a risk reserve, and the remaining 85% will be fully distributed to users. 2. > Current financial management: Interest is calculated by the hour, and the income is automatically reinvested.Regular financial management: Interest starts to accrue on the day after subscription and will be distributed uniformly upon maturity. 2. Can regular financial management be redeemed in advance? 1. > It can be redeemed in advance, but all interest income will be lost. 3. What is the minimum subscription amount? 1. > The specific threshold depends on different currencies and products, please refer to the product details page. 4. Is there a handling fee for subscription? 1. > Generally, there is no subscription fee. Some specific products may charge management fees or early redemption fees, please refer to the product description for details. 5. Is the rate of return fixed? 1. > Current financial management: The yield adjusts in real-time with market fluctuations.Regular financial management: During the lock-up period, the yield is usually fixed. 6. How long after the subscription starts to calculate interest? 1. > Current financial management: Interest usually starts to accrue one hour after subscription.Regular financial management: Interest usually starts to accrue on T + 1 (UTC 00:00). 7. How long does it take for the redeemed funds to arrive? 1. > Current financial management: Redemption is credited immediately.Regular financial management: Automatically returned to the spot account within T + 1 days after maturity. 8. Which users cannot participate? 1. > Users from restricted countries or regions.Users with abnormal account status (such as cancelled or frozen). 9. Does YUBIT promise to break even? 1. > Please note that YUBIT does not promise permanent fixed fiat-based returns, and the yield may adjust with market conditions. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://yubit.gitbook.io/yubit/earn/earn-faq.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.