</noscript><div id="__next"><div class="sc-b5fd9937-0 jFQuJs"><div class="modal"><button class="close_button"><svg width="12" height="13" viewBox="0 0 12 13" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M5.98119 5.2L10.2242 0.957001C10.6147 0.566536 11.2477 0.566535 11.6382 0.957C12.0287 1.34747 12.0287 1.98053 11.6382 2.371L7.39519 6.614L11.6382 10.857C12.0287 11.2475 12.0287 11.8805 11.6382 12.271C11.2477 12.6615 10.6147 12.6615 10.2242 12.271L5.98119 8.028L1.73819 12.271C1.34772 12.6615 0.714653 12.6615 0.324188 12.271C-0.0662779 11.8805 -0.0662777 11.2475 0.324188 10.857L4.56719 6.614L0.324188 2.371C-0.066277 1.98054 -0.0662779 1.34747 0.324188 0.957C0.714653 0.566535 1.34772 0.566535 1.73819 0.957L5.98119 5.2Z"></path></svg></button><h2>conectar tu billetera</h2><p class="description">para acceder a tu perfil de NFT y Embajador</p><div class="list"><div class="list_item"><a target="_blank" class="button_item" rel="noreferrer nofollow" href="https://metamask.app.link/dapp/choise.com?null"><span class="icon"><img src="/pic/nft/connect-wallet-icons/metamask.svg" alt="MetaMask"/>MetaMask</span><span class="popular">Popular</span></a><p class="how_to_install">Cómo <a href="/es/news/tutorials/how-to-install-metamask">instalar Metamask?</a></p></div><div class="list_item"><button class="button_item"><span class="icon"><img src="/pic/nft/connect-wallet-icons/wallet-connect.svg" alt="WalletConnect"/>WalletConnect</span></button></div><div class="list_item"><button class="button_item"><span class="icon"><img src="/pic/nft/connect-wallet-icons/binance-smart-wallet.svg" alt="Binance Smart Wallet"/>Binance Smart Wallet</span></button></div><div class="list_item"><button class="button_item"><span class="icon"><img src="/pic/nft/connect-wallet-icons/coinbase-wallet.svg" alt="Coinbase Wallet"/>Coinbase Wallet</span></button></div></div></div></div><div id="mobile_nav" class="sc-537cabff-0 bVLon"><div class="sc-ccc4839b-0 loOiqo center_block " width="1200px"><ul class="mobile_nav"><li class="top_links"><span class="link_title "><p>Ganar</p><img class="drop_arrow" src="/pic/mobile-drop.svg" alt="Ganar"/></span><div class="sub_drop "><ul class="drop_block "><li class="drop_link "><a href="/es/bitdriven">🚀 Bitdriven<!-- --> <span class="label_heading yellow">hasta 1200%</span><p class="description">Gana en una cartera impulsada por BTC. ¡Exclusivamente en Choise.com!</p></a></li><li class="drop_link "><a href="/es/dual-currency-interest-account">🔥 Cuentas de intereses en dos divisas<!-- --> <span class="label_heading black">hasta 50% APY</span><p class="description">Las tasas de ingresos más altas</p></a></li><li class="drop_link "><a href="/es/earn">Cuentas de interés de Web 3.0<!-- --> <span class="label_heading black">hasta 10.7% APY</span><p class="description">Apuesta y gana en la plataforma DeFi interna</p></a></li><li class="drop_link "><a href="/es/interest-accounts">Cuentas de interés<!-- --> <span class="label_heading black">hasta 18% APY</span><p class="description">Obtén ingresos pasivos con tu criptomoneda, fácilmente</p></a></li><li class="drop_link "><a href="/es/nft/fend">Cuenta de interés de NFT<!-- --> <p class="description">Crea tus NFT y comienza a ganar</p></a></li><li class="drop_link "><a href="/es/predictions">Predicciones de precios de IA<!-- --> <p class="description">¿Prefieres el trading diario? Predice precios y gana grandes premios</p></a></li><li class="drop_link "><a href="/es/price-insurance">Seguro de precios<!-- --> <p class="description">Protección contra la caída del precio de BTC y ETH</p></a></li></ul></div></li><li class="top_links"><span class="link_title "><p>Explorar</p><img class="drop_arrow" src="/pic/mobile-drop.svg" alt="Explorar"/></span><div class="sub_drop "><ul class="drop_block "><li class="drop_link "><span class="link_title_sub ">Billetera<img class="drop_arrow sub" src="/pic/main-nav-drop-arrow.svg" alt="Billetera"/></span><p class="description">Billetera multi-moneda todo en uno</p></li><li class="drop_link "><a href="/es/cards">Tarjeta VISA<!-- --> <p class="description">Tarjeta de plástico y virtual</p></a></li><li class="drop_link "><a href="/es/charism">Plataforma Charism<!-- --> <p class="description">Gana con los mejores productos DeFi</p></a></li><li class="drop_link "><span class="link_title_sub ">NFT<img class="drop_arrow sub" src="/pic/main-nav-drop-arrow.svg" alt="NFT"/></span><p class="description">Colecciones Choise.com</p></li><li class="drop_link "><a href="/es/dao">DAO<!-- --> <p class="description">Tu voz importa</p></a></li></ul></div></li><li class="top_links"><a href="/es/card">Tarjeta</a></li><li class="top_links"><span class="link_title "><p>Tokens</p><img class="drop_arrow" src="/pic/mobile-drop.svg" alt="Tokens"/></span><div class="sub_drop "><ul class="drop_block "><li class="drop_link "><span class="link_title_sub ">CHO<img class="drop_arrow sub" src="/pic/main-nav-drop-arrow.svg" alt="CHO"/></span></li><li class="drop_link "><a href="/es/crpt">CRPT<!-- --> </a></li><li class="drop_link "><a href="/es/million4cho">🔥 Gana $1,000,000 por 1 tuit<!-- --> <p class="description">Literalmente, solo publica 1 tuit</p></a></li></ul></div></li><li class="top_links"><span class="link_title "><p>Negocios</p><img class="drop_arrow" src="/pic/mobile-drop.svg" alt="Negocios"/></span><div class="sub_drop "><ul class="drop_block "><li class="drop_link "><a href="/es/business">Cuentas de interés y préstamos<!-- --> <p class="description">Maximice los rendimientos de su negocio.</p></a></li><li class="drop_link "><a href="https://vault.ist" target="_blank" rel="noreferrer">Soluciones de etiqueta blanca<!-- --> <p class="description">Inicie su propio banco</p></a></li></ul></div></li><li class="top_links"><span class="link_title "><p>Acerca de</p><img class="drop_arrow" src="/pic/mobile-drop.svg" alt="Acerca de"/></span><div class="sub_drop "><ul class="drop_block "><li class="drop_link "><a href="/es/news">Blog<!-- --> <p class="description">Infórmate tanto como nuestro CEO</p></a></li><li class="drop_link "><a href="/es/rebranding">Rebranding<!-- --> <p class="description">6 años de éxito</p></a></li><li class="drop_link "><a href="/es/ambassador">Programa de embajadores<!-- --> <p class="description">Invierte esfuerzo y obtén recompensas</p></a></li><li class="drop_link "><a href="/es/security">Seguridad<!-- --> <p class="description">Manteniendo tus activos seguros</p></a></li></ul></div></li><li class="top_links"><a href="/es/help">Soporte</a></li></ul><div class="sc-d94579b9-0 eXAUw"><a href="https://crypterium.onelink.me/jtmZ/choisesiteheader" target="_blank" rel="noreferrer nofollow" class="app_link">Cartera gratuita</a><p class="copyright">2022 © Charism LLC, código de registro: 1999 LLC 2022, dirección: Beachmont Business Centre, Suite 336, Kingstown, San Vicente y las Granadinas</p></div></div></div><header id="header" class="sc-6519c579-0 iJSfMs "><div class="sc-ccc4839b-0 loOiqo center_block " width="1200px"><div class="left_block"><div class="logo"><a href="/es"><img alt="Choise.com" loading="lazy" width="140" height="31" decoding="async" data-nimg="1" style="color:transparent" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Flogo-ny-black.eaec77d5.png&w=256&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Flogo-ny-black.eaec77d5.png&w=384&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Flogo-ny-black.eaec77d5.png&w=384&q=75"/></a></div><ul class="sc-ad73c3fe-0 fTiehM main_nav"><li class="nav_item"><p class="nav_item_title">Ganar<!-- --> </p><div class="drop_menu"><ul class="main_drop_list"><li class="drop_item "><a href="/es/bitdriven"><p class="drop_title drop_title_sub">🚀 Bitdriven<!-- --> <span class="label yellow">hasta 1200%</span></p><span class="drop_description">Gana en una cartera impulsada por BTC. ¡Exclusivamente en Choise.com!</span></a></li><li class="drop_item "><a href="/es/dual-currency-interest-account"><p class="drop_title drop_title_sub">🔥 Cuentas de intereses en dos divisas<!-- --> <span class="label black">hasta 50% APY</span></p><span class="drop_description">Las tasas de ingresos más altas</span></a></li><li class="drop_item "><a href="/es/earn"><p class="drop_title drop_title_sub">Cuentas de interés de Web 3.0<!-- --> <span class="label black">hasta 10.7% APY</span></p><span class="drop_description">Apuesta y gana en la plataforma DeFi interna</span></a></li><li class="drop_item "><a href="/es/interest-accounts"><p class="drop_title drop_title_sub">Cuentas de interés<!-- --> <span class="label black">hasta 18% APY</span></p><span class="drop_description">Obtén ingresos pasivos con tu criptomoneda, fácilmente</span></a></li><li class="drop_item "><a href="/es/nft/fend"><p class="drop_title drop_title_sub">Cuenta de interés de NFT<!-- --> </p><span class="drop_description">Crea tus NFT y comienza a ganar</span></a></li><li class="drop_item "><a href="/es/predictions"><p class="drop_title drop_title_sub">Predicciones de precios de IA<!-- --> </p><span class="drop_description">¿Prefieres el trading diario? Predice precios y gana grandes premios</span></a></li><li class="drop_item "><a href="/es/price-insurance"><p class="drop_title drop_title_sub">Seguro de precios<!-- --> </p><span class="drop_description">Protección contra la caída del precio de BTC y ETH</span></a></li></ul></div></li><li class="nav_item"><p class="nav_item_title">Explorar<!-- --> </p><div class="drop_menu"><ul class="main_drop_list"><li class="drop_item "><p class="drop_title drop_title_item">Billetera<!-- --> </p><span class="drop_description">Billetera multi-moneda todo en uno</span><div class="sub_drop_menu"><ul class="sub_drop_list"><li class="drop_item "><a href="/es/wallet"><p class="drop_title drop_title_sub">Acerca de la billetera<!-- --> </p><span class="drop_description">La billetera criptográfica definitiva</span></a></li><li class="drop_item "><a href="/es/wallet/buy"><p class="drop_title drop_title_sub">Comprar criptomoneda<!-- --> </p><span class="drop_description">Visa, Mastercard</span></a></li><li class="drop_item "><a href="/es/wallet/exchange"><p class="drop_title drop_title_sub">Intercambio<!-- --> </p><span class="drop_description">Disfruta de las mejores tasas</span></a></li><li class="drop_item "><a href="/es/wallet/cashout"><p class="drop_title drop_title_sub">Retirar efectivo<!-- --> </p><span class="drop_description">Retira fondos a tarjetas bancarias</span></a></li><li class="drop_item "><a href="/es/wallet/send"><p class="drop_title drop_title_sub">Enviar<!-- --> </p><span class="drop_description">Utiliza transferencias internacionales de dinero gratuitas</span></a></li><li class="drop_item "><a href="/es/wallet/spend"><p class="drop_title drop_title_sub">Gastar<!-- --> </p><span class="drop_description">Paga con tarjetas VISA, tanto de plástico como virtuales</span></a></li></ul></div><div class="drop_arrow"><img src="/pic/main-nav-arrow.svg" alt="Billetera"/></div></li><li class="drop_item "><a href="/es/cards"><p class="drop_title drop_title_sub">Tarjeta VISA<!-- --> </p><span class="drop_description">Tarjeta de plástico y virtual</span></a></li><li class="drop_item "><a href="/es/charism"><p class="drop_title drop_title_sub">Plataforma Charism<!-- --> </p><span class="drop_description">Gana con los mejores productos DeFi</span></a></li><li class="drop_item "><p class="drop_title drop_title_item">NFT<!-- --> </p><span class="drop_description">Colecciones Choise.com</span><div class="sub_drop_menu"><ul class="sub_drop_list"><li class="drop_item "><a href="/es/nft/fend"><p class="drop_title drop_title_sub">🔥 Cuenta de interés de NFT<!-- --> <span class="label yellow">Hasta 25%</span></p><span class="drop_description">CHO, DAI, USDC y USDT</span></a></li><li class="drop_item "><a href="/es/charism/beta"><p class="drop_title drop_title_sub">NFT para probadores beta<!-- --> </p><span class="drop_description">Oferta exclusiva para probadores de Charism</span></a></li><li class="drop_item "><a href="/es/nft"><p class="drop_title drop_title_sub">Colección de NFT CHO<!-- --> </p><span class="drop_description">La primera venta de tokens NFT en el espacio</span></a></li></ul></div><div class="drop_arrow"><img src="/pic/main-nav-arrow.svg" alt="NFT"/></div></li><li class="drop_item "><a href="/es/dao"><p class="drop_title drop_title_sub">DAO<!-- --> </p><span class="drop_description">Tu voz importa</span></a></li></ul></div></li><li class="nav_item"><a class="nav_item_title" href="/es/card">Tarjeta<!-- --> </a></li><li class="nav_item"><p class="nav_item_title">Tokens<!-- --> </p><div class="drop_menu"><ul class="main_drop_list"><li class="drop_item "><p class="drop_title drop_title_item">CHO<!-- --> </p><span class="drop_description"></span><div class="sub_drop_menu"><ul class="sub_drop_list"><li class="drop_item "><a href="/es/cho"><p class="drop_title drop_title_sub">Acerca de CHO<!-- --> </p><span class="drop_description">Token de Choise.com</span></a></li><li class="drop_item "><a href="/es/cho/exchanges"><p class="drop_title drop_title_sub">Mercados de CHO<!-- --> </p><span class="drop_description">Listado en los mejores exchanges</span></a></li></ul></div><div class="drop_arrow"><img src="/pic/main-nav-arrow.svg" alt="CHO"/></div></li><li class="drop_item "><a href="/es/crpt"><p class="drop_title drop_title_sub">CRPT<!-- --> </p><span class="drop_description"></span></a></li><li class="drop_item "><a href="/es/million4cho"><p class="drop_title drop_title_sub">🔥 Gana $1,000,000 por 1 tuit<!-- --> </p><span class="drop_description">Literalmente, solo publica 1 tuit</span></a></li></ul></div></li><li class="nav_item"><p class="nav_item_title">Negocios<!-- --> </p><div class="drop_menu"><ul class="main_drop_list"><li class="drop_item "><a href="/es/business"><p class="drop_title drop_title_sub">Cuentas de interés y préstamos<!-- --> </p><span class="drop_description">Maximice los rendimientos de su negocio.</span></a></li><li class="drop_item "><a href="https://vault.ist" target="_blank" rel="noreferrer"><p class="drop_title drop_title_sub">Soluciones de etiqueta blanca<!-- --> </p><span class="drop_description">Inicie su propio banco</span></a></li></ul></div></li><li class="nav_item"><p class="nav_item_title">Acerca de<!-- --> </p><div class="drop_menu"><ul class="main_drop_list"><li class="drop_item "><a href="/es/news"><p class="drop_title drop_title_sub">Blog<!-- --> </p><span class="drop_description">Infórmate tanto como nuestro CEO</span></a></li><li class="drop_item "><a href="/es/rebranding"><p class="drop_title drop_title_sub">Rebranding<!-- --> </p><span class="drop_description">6 años de éxito</span></a></li><li class="drop_item "><a href="/es/ambassador"><p class="drop_title drop_title_sub">Programa de embajadores<!-- --> </p><span class="drop_description">Invierte esfuerzo y obtén recompensas</span></a></li><li class="drop_item "><a href="/es/security"><p class="drop_title drop_title_sub">Seguridad<!-- --> </p><span class="drop_description">Manteniendo tus activos seguros</span></a></li></ul></div></li><li class="nav_item"><a class="nav_item_title" href="/es/help">Soporte<!-- --> </a></li></ul></div><div class="right_block"><div class="buttons"></div><div class="sc-2e1bab11-0 iEdLbT language_switcher"><a href="/news/earn/dual-currency-interest-account"><img src="/pic/locale/en.svg" alt="en"/></a></div><div class="sc-8a9aa52d-0 kroxlK connect_metamask"><button class="connect_wallet_button"><svg width="18" height="16" viewBox="0 0 18 16" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M14.8333 3.83333H14V3C14 2.33696 13.7366 1.70107 13.2677 1.23223C12.7989 0.763392 12.163 0.5 11.5 0.5H3.16663C2.50358 0.5 1.8677 0.763392 1.39886 1.23223C0.930018 1.70107 0.666626 2.33696 0.666626 3V3V13C0.666626 13.663 0.930018 14.2989 1.39886 14.7678C1.8677 15.2366 2.50358 15.5 3.16663 15.5H14.8333C15.4963 15.5 16.1322 15.2366 16.6011 14.7678C17.0699 14.2989 17.3333 13.663 17.3333 13V6.33333C17.3333 5.67029 17.0699 5.03441 16.6011 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13V5.35833C2.60102 5.45251 2.88282 5.50042 3.16663 5.5H14.8333C15.0543 5.5 15.2663 5.5878 15.4225 5.74408C15.5788 5.90036 15.6666 6.11232 15.6666 6.33333V7.16667Z"></path></svg></button></div><button class="sc-eca9cdfb-0 fa-DXlE nav"><span></span><span></span></button></div></div></header><main><section class="sc-9df503db-0 gNxmIN full_post"><div class="sc-ccc4839b-0 loOiqo center_block " width="1200px"><div class="sc-5afa642d-0 kZwJD categories"><div class="label">Categorías del blog</div><select class="mobile_select"><option value="/news">#all</option><option value="/news/cho-token">#CHO</option><option value="/news/crpt-token">#crpt</option><option value="/news/updates">#choise.com</option><option value="/news/events">#events</option><option value="/news/blockchain">#blockchain</option><option value="/news/buy-crypto">#buycrypto</option><option value="/news/cash-out-crypto">#cashoutcrypto</option><option value="/news/crypto-lifestyle">#cryptolifestyle</option><option value="/news/crypto-wallets">#cryptowallets</option><option value="/news/crypto-world">#cryptoworld</option><option value="/news/dailyanalysis">#dailyanalysis</option><option value="/news/earn">#earn</option><option value="/news/featured">#featured</option><option value="/news/insights">#insights</option><option value="/news/latest">#latest</option><option value="/news/market-prices">#marketprices</option><option value="/news/opinions">#opinions</option><option value="/news/tutorials">#tutorials</option><option value="/news/uncategorised">#uncategorised</option><option value="/news/urgent-updates">#urgentupdates</option></select><ul class="desktop_nav"><li class=""><a href="/es/news">#all</a></li><li class=""><a href="/es/news/cho-token"><svg width="16" height="15" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M8 0L10.6803 4.31088L15.6085 5.52786L12.3368 9.40912L12.7023 14.4721L8 12.56L3.29772 14.4721L3.66318 9.40912L0.391548 5.52786L5.3197 4.31088L8 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min de lectura</li></ul><div class="author_block"><div class="author_image"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2720%27%20height=%2720%27/%3e"/></span><img alt="Choise.com team" srcSet="/_next/image?url=%2Fpic%2Fauthors%2Fchoise-team.png&w=32&q=75 1x, /_next/image?url=%2Fpic%2Fauthors%2Fchoise-team.png&w=48&q=75 2x" src="/_next/image?url=%2Fpic%2Fauthors%2Fchoise-team.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/></span></div><div class="author_name"><span class="dynamic_author"></span>Equipo de Choise.com</div></div></div><div class="content"><div class="main_image"><img title="Dual currency interest account: what is it and does it make sense to open a DCIA?" alt="Dual currency interest account: what is it and does it make sense to open a DCIA?" fetchpriority="high" width="750" height="422" decoding="async" data-nimg="1" class="directus_image " style="color:transparent" srcSet="/_next/image?url=https%3A%2F%2Fcms.choise.com%2Fassets%2Fd06acada-95de-4045-90eb-5f43b3543cb4.webp&w=750&q=75 1x, /_next/image?url=https%3A%2F%2Fcms.choise.com%2Fassets%2Fd06acada-95de-4045-90eb-5f43b3543cb4.webp&w=1920&q=75 2x" src="/_next/image?url=https%3A%2F%2Fcms.choise.com%2Fassets%2Fd06acada-95de-4045-90eb-5f43b3543cb4.webp&w=1920&q=75"/></div><div class="content_block"><p><a href="https://clck.ru/32cWHv"><span style="font-weight:400">Dual currency interest account (DCIA)</span></a><span style="font-weight:400"> is a short-term non-principal protected product with floating and potentially very high return. The yield of the product is secured at the time of purchase, while the currency in which the DCIA will be settled, changes according to the following mechanics.</span></p><hr/><h3><b>DCIA mechanics</b></h3><p><span style="font-weight:400">You purchase the product with BTC or ETH and then see how the price of BTC or ETH at the moment of settlement compares with the Linked Price at expiry. If the Settlement Price is higher than the Linked Price, you will receive the return in the investment currency.</span></p><ul><li aria-level="1"><b>What is the Investment Currency?</b></li></ul><p style="padding-left:40px"><span style="font-weight:400">The Investment Currency is the currency in which the investment is made into the product.</span></p><ul><li aria-level="1"><b>What is the Settlement Currency?</b></li></ul><p style="padding-left:40px"><span style="font-weight:400">The Settlement Currency is the currency that you will receive when the product expires.</span></p><ul><li aria-level="1"><b>What is the Settlement Price?</b></li></ul><p style="padding-left:40px"><span style="font-weight:400">The Settlement Price is the average of the Current Price in the last 30 minutes before 08:00 (UTC) on the settlement date. The Settlement Price and the Linked Price determine whether a product is exercised or not.</span></p><ul><li aria-level="1"><b>What is the Linked Price?</b></li></ul><p style="padding-left:40px"><span style="font-weight:400">The Linked Price is a benchmark price. On Expiry Day, the Settlement Price will be compared against this benchmark price. If the Settlement Price is below the Linked Price, the product will be settled in Investment Currency; otherwise, it will be settled in USDC.</span></p><p><span style="font-weight:400">Currently DCIAs are available in BTC and ETH.</span></p><hr/><p><b>The main advantages</b><span style="font-weight:400"> of Dual currency interest accounts are higher yield that is secured at the purchase moment, opportunity to select the investment period and exposure to an alternate currency. </span>The only uncertainty<span style="font-weight:400"> is the currency in which the product will be settled, that сomes from the volatility of the market: the higher the volatility, the harder it is to predict the Settlement Price and its comparison to the Linked Price on the Expiry Date.</span></p><hr/><h3><b>How to open a Dual currency interest account with Choise.com?</b></h3><p><b>Step #1</b><span style="font-weight:400"> – Sign in to your Choise.com wallet.</span></p><p><span style="font-weight:400">Go to the “Earn” section and find the Dual currency interest account.</span></p><p><img loading="lazy" class="alignnone wp-image-14945 size-large" src="https://webinar.choise.com/wp/2022/11/DCIA01-1024x499.png" alt="" width="1024" height="499"/></p><p><b>Step #2</b><span style="font-weight:400"> – Select the investment currency.</span></p><p><span style="font-weight:400">Choose between BTC and ETH.</span></p><p><img loading="lazy" class="alignnone wp-image-14946 size-large" src="https://webinar.choise.com/wp/2022/11/DCIA02-1024x505.png" alt="" width="1024" height="505"/></p><p><b>Step #3</b><span style="font-weight:400"> – Enter the amount of the BaseAsset.</span></p><p><span style="font-weight:400">The interest account calculator will display the Yield and APY.</span></p><p><img loading="lazy" class="alignnone wp-image-14947 size-large" src="https://webinar.choise.com/wp/2022/11/DCIA03-1024x502.png" alt="" width="1024" height="502"/></p><p><b>Interest account conditions</b></p><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Interest Account Amount – 2 BTC</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Other Currency – USD</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Term – 30 days</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Linked Price – $ 20 000</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">DCIA Enhanced Yield – 3.0%</span></li></ul><p><b>What happens at the Expiry Date</b></p><ul><li aria-level="1"><b>Expiry Date Scenario 1</b></li></ul><p style="padding-left:40px"><span style="font-weight:400">If the BTC rate is below $20 000, the investment and interest earned will be returned to you (2 BTC + 5% Yield)</span></p><ul><li aria-level="1"><b>Expiry Date Scenario 2</b></li></ul><p style="padding-left:40px"><span style="font-weight:400">If the BTC rate is above $20 000, the investment will be converted and returned in USD with and interest earned (2 * 25 000 USD + 5% Yield)</span></p><p> </p><p><b>Step #4</b><span style="font-weight:400"> – Confirm your interest account opening and terms.</span></p><p><img loading="lazy" class="alignnone wp-image-14948 size-large" src="https://webinar.choise.com/wp/2022/11/DCIA04-1024x502.png" alt="" width="1024" height="502"/></p><p><span style="font-weight:400">At the moment the yield is fixed. Further Dual currency interest accounts reporting will be available in the Active interest account section.</span></p><hr/><p><span style="font-weight:400">Please, note that you cannot redeem your investment before the expiry date – the return is credited to your wallet automatically once the Dual currency interest account is closed. You will get your principal and return settled by 8:00 UTC on the Expiry Date.</span></p><hr/><h3><a href="https://crypterium.onelink.me/jtmZ/deposits?app_screen=deposits"><span style="font-weight:400">Open a Dual currency interest account</span></a></h3></div></div><ul class="sc-a1b0f443-0 ceiNTE news_breadcrumbs"><li><a href="/es/news">News</a></li><li><a href="/es/news/earn">Earn</a></li><li><span>Dual currency interest account: what is it and does it make sense to open a DCIA?</span></li></ul><div class="sc-ebb48054-0 jXcYXB"><button aria-label="twitter" class="react-share__ShareButton" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><img src="/pic/share/twitter.svg" alt="Dual currency interest account: what is it and does it make sense to open a DCIA?"/></button><button aria-label="telegram" class="react-share__ShareButton" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><img src="/pic/share/telegram.svg" alt="Dual currency interest account: what is it and does it make sense to open a DCIA? - Telegram"/></button><button aria-label="facebook" class="react-share__ShareButton" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><img src="/pic/share/facebook.svg" alt="Dual currency interest account: what is it and does it make sense to open a DCIA? - Facebook"/></button></div></section></div></section></main><footer id="footer" class="sc-a2886f3a-0 bAnuwX"><div class="sc-ccc4839b-0 loOiqo center_block " width="1200px"><div class="top_block"><div class="content"><div class="description"><p>El sitio web y las aplicaciones móviles son propiedad de la empresa Crypterium AS. 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type="application/json">{"props":{"pageProps":{"data":{"id":"14943","slug":"dual-currency-interest-account","title":"Dual currency interest account: what is it and does it make sense to open a DCIA?","date_created":"2022-11-08T12:59:19.000Z","image":{"filename_disk":"d06acada-95de-4045-90eb-5f43b3543cb4.webp","width":750,"height":422},"old_image":null,"seo_image":null,"category":{"id":"117","title":"Earn","slug":"earn","translations":[{"title":"Earn","seo_title":null,"seo_description":null,"seo_keywords":null}]},"translations":[{"title":"Dual currency interest account: what is it and does it make sense to open a DCIA?","content":"\u003cp\u003e\u003ca href=\"https://clck.ru/32cWHv\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDual currency interest account (DCIA)\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e is a short-term non-principal protected product with floating and potentially very high return. The yield of the product is secured at the time of purchase, while the currency in which the DCIA will be settled, changes according to the following mechanics.\u003c/span\u003e\u003c/p\u003e\u003chr /\u003e\u003ch3\u003e\u003cb\u003eDCIA mechanics\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou purchase the product with BTC or ETH and then see how the price of BTC or ETH at the moment of settlement compares with the Linked Price at expiry. If the Settlement Price is higher than the Linked Price, you will receive the return in the investment currency.\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\u003cli aria-level=\"1\"\u003e\u003cb\u003eWhat is the Investment Currency?\u003c/b\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"padding-left: 40px;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe Investment Currency is the currency in which the investment is made into the product.\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\u003cli aria-level=\"1\"\u003e\u003cb\u003eWhat is the Settlement Currency?\u003c/b\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"padding-left: 40px;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe Settlement Currency is the currency that you will receive when the product expires.\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\u003cli aria-level=\"1\"\u003e\u003cb\u003eWhat is the Settlement Price?\u003c/b\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"padding-left: 40px;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe Settlement Price is the average of the Current Price in the last 30 minutes before 08:00 (UTC) on the settlement date. The Settlement Price and the Linked Price determine whether a product is exercised or not.\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\u003cli aria-level=\"1\"\u003e\u003cb\u003eWhat is the Linked Price?\u003c/b\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"padding-left: 40px;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe Linked Price is a benchmark price. On Expiry Day, the Settlement Price will be compared against this benchmark price. If the Settlement Price is below the Linked Price, the product will be settled in Investment Currency; otherwise, it will be settled in USDC.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eCurrently DCIAs are available in BTC and ETH.\u003c/span\u003e\u003c/p\u003e\u003chr /\u003e\u003cp\u003e\u003cb\u003eThe main advantages\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e of Dual currency interest accounts are higher yield that is secured at the purchase moment, opportunity to select the investment period and exposure to an alternate currency. \u003c/span\u003eThe only uncertainty\u003cspan style=\"font-weight: 400;\"\u003e is the currency in which the product will be settled, that сomes from the volatility of the market: the higher the volatility, the harder it is to predict the Settlement Price and its comparison to the Linked Price on the Expiry Date.\u003c/span\u003e\u003c/p\u003e\u003chr /\u003e\u003ch3\u003e\u003cb\u003eHow to open a Dual currency interest account with Choise.com?\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cb\u003eStep #1\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e – Sign in to your Choise.com wallet.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eGo to the “Earn” section and find the Dual currency interest account.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg loading=\"lazy\" class=\"alignnone wp-image-14945 size-large\" src=\"https://webinar.choise.com/wp/2022/11/DCIA01-1024x499.png\" alt=\"\" width=\"1024\" height=\"499\" /\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eStep #2\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e – Select the investment currency.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eChoose between BTC and ETH.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg loading=\"lazy\" class=\"alignnone wp-image-14946 size-large\" src=\"https://webinar.choise.com/wp/2022/11/DCIA02-1024x505.png\" alt=\"\" width=\"1024\" height=\"505\" /\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eStep #3\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e – Enter the amount of the BaseAsset.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe interest account calculator will display the Yield and APY.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg loading=\"lazy\" class=\"alignnone wp-image-14947 size-large\" src=\"https://webinar.choise.com/wp/2022/11/DCIA03-1024x502.png\" alt=\"\" width=\"1024\" height=\"502\" /\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eInterest account conditions\u003c/b\u003e\u003c/p\u003e\u003cul\u003e\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eInterest Account Amount – 2 BTC\u003c/span\u003e\u003c/li\u003e\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOther Currency – USD\u003c/span\u003e\u003c/li\u003e\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eTerm – 30 days\u003c/span\u003e\u003c/li\u003e\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eLinked Price – $ 20 000\u003c/span\u003e\u003c/li\u003e\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDCIA Enhanced Yield – 3.0%\u003c/span\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cb\u003eWhat happens at the Expiry Date\u003c/b\u003e\u003c/p\u003e\u003cul\u003e\u003cli aria-level=\"1\"\u003e\u003cb\u003eExpiry Date Scenario 1\u003c/b\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"padding-left: 40px;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf the BTC rate is below $20 000, the investment and interest earned will be returned to you (2 BTC + 5% Yield)\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\u003cli aria-level=\"1\"\u003e\u003cb\u003eExpiry Date Scenario 2\u003c/b\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\"padding-left: 40px;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf the BTC rate is above $20 000, the investment will be converted and returned in USD with and interest earned (2 * 25 000 USD + 5% Yield)\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cb\u003eStep #4\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e – Confirm your interest account opening and terms.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg loading=\"lazy\" class=\"alignnone wp-image-14948 size-large\" src=\"https://webinar.choise.com/wp/2022/11/DCIA04-1024x502.png\" alt=\"\" width=\"1024\" height=\"502\" /\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eAt the moment the yield is fixed. Further Dual currency interest accounts reporting will be available in the Active interest account section.\u003c/span\u003e\u003c/p\u003e\u003chr /\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003ePlease, note that you cannot redeem your investment before the expiry date – the return is credited to your wallet automatically once the Dual currency interest account is closed. You will get your principal and return settled by 8:00 UTC on the Expiry Date.\u003c/span\u003e\u003c/p\u003e\u003chr /\u003e\u003ch3\u003e\u003ca href=\"https://crypterium.onelink.me/jtmZ/deposits?app_screen=deposits\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOpen a Dual currency interest account\u003c/span\u003e\u003c/a\u003e\u003c/h3\u003e","short_content":"Learn more about Dual currency interest accounts. Enjoy all benefits of DCIA for BTC/ETH or choose CHO and add 15% to your earnings.","seo_title":null,"seo_description":"Dual Currency Interest Account: Learn about the benefits of Choise.com's dual currency interest account and start earning today.","seo_keywords":null}]}},"__N_SSP":true},"page":"/news/[category]/[slug]","query":{"category":"earn","slug":"dual-currency-interest-account"},"buildId":"pHeohfhnkHqWjlSD2pj5F","isFallback":false,"gssp":true,"locale":"es","locales":["en","es"],"defaultLocale":"en","scriptLoader":[]}</script></body></html>