About the Predictor Campaign
Q1. What is the "Predictor Campaign"?
The "Predictor Campaign" is a limited-time campaign offered in connection with designated MaiCoin Lending products. Users subscribe to the designated Lending product and may participate in the campaign by selecting one campaign option.
- Base yield: As long as you complete your Lending subscription and hold to maturity, you earn the base yield at the annualized rate announced for that Lending product, regardless of whether your selected campaign option meets the final settlement conditions.
- Campaign reward: If the campaign settlement result meets the conditions of your selected campaign option, you may additionally receive the reward announced for that campaign.
The campaign theme, options, campaign rewards, and campaign period may differ for each campaign. Please refer to the current campaign page.
Q2. How is the Predictor Campaign different from regular Lending?
Regular MaiCoin Lending calculates returns mainly from the product's announced annualized yield rate. The Predictor Campaign is a limited-time campaign offered alongside designated Lending products. To participate, users subscribe to the designated Lending product and separately select a campaign option. If the selected option meets the final settlement conditions, the user may receive a campaign reward.
In short:
- Lending: Subscribe to a Lending product → Earn base yield
- Predictor Campaign: Select a campaign option → Subscribe to the designated Lending product → Earn base yield → Receive a campaign reward if the selected option meets the settlement conditions
Q3. If my selected campaign option does not meet the settlement conditions, will it affect my principal or base yield?
No. The campaign settlement result only affects the additional campaign reward. Even if your selected option does not meet the settlement conditions, as long as you meet the holding and settlement conditions of the Lending product, you still earn the base yield stated in the product announcement.
Subscribing to Lending and Participating in the Campaign
Q4. How do I participate in the Predictor Campaign?
After entering the Predictor Campaign page under MaiCoin Lending:
- Review the base annualized yield rate and duration of the designated Lending product, as well as the campaign rules.
- Select the Predictor Campaign option you wish to participate in.
- Enter the Lending product subscription amount.
- Review the estimated base yield and campaign reward.
- Confirm the Lending product details, campaign rules, and related terms, then complete the Lending subscription and campaign participation.
Q5. Is there a minimum subscription amount for participating in the Predictor Campaign?
Yes. Each campaign sets a minimum subscription amount for the designated Lending product, and the actual amount is shown on the current campaign page. In addition, each campaign option has its own independent participation quota.
Q6. Can I select multiple campaign options or subscribe more than once?
You may subscribe to the Lending product multiple times, but each campaign option may only be participated in once. You may not participate repeatedly through the same option.
Q7. Why do some campaign options show "Sold Out"?
Each campaign option has its own independent campaign participation quota. When an option's quota is full, the page shows "Sold Out," and users can no longer participate in the campaign through that option. Other options with remaining quota are still available for selection and Lending subscription.
Base Yield, Campaign Results, and Rewards
Q8. How is the base yield calculated?
The base yield is calculated based on your Lending subscription amount, the annualized yield rate, and the actual number of days held. The formula is:
Subscription amount × Annualized yield rate × Days held ÷ 365
At subscription, the page also shows an estimated base yield based on the amount you enter. The actual return is determined by the settlement result of the Lending product at maturity.
Q9. How is the campaign reward determined?
If the final campaign settlement result meets the conditions of your selected campaign option, you may receive the corresponding campaign reward announced for that campaign. The actual reward content, amount, and eligibility are subject to the current campaign page. The base yield and campaign reward are calculated and distributed separately.
Q10. What is the "Highest Subscription Reward"?
Among users whose selected campaign option meets the final settlement conditions, the user with the highest single Lending subscription amount receives this additional reward. If multiple eligible users tie for the highest subscription amount, the reward will be shared equally among them.
Q11. What price source is used for the campaign settlement result?
Each event specifies a settlement time and a third-party data source, and the settlement result is determined accordingly. The settlement price is based on the CoinMarketCap quote at the settlement time, rounded to the nearest whole number.
Q12. What happens if the campaign settlement result falls exactly on the boundary between two ranges?
There will be no ambiguity in determining the applicable range because the campaign settlement price will be rounded to the nearest whole number.
Q13. What happens if no campaign option meets the settlement conditions?
Some campaigns may result in no campaign option meeting the settlement conditions. For example, if the campaign's lowest BTC price range starts at US$85,000, but the BTC price is below US$85,000 at settlement, no range may meet the conditions. In this case, no campaign reward will be distributed, but users who meet the conditions of the Lending product will still earn the original base yield.
Q14. When will I receive the campaign reward?
After the Lending product matures:
- Base yield: Settled and distributed through the existing MaiCoin Lending mechanism.
- Campaign reward: Distributed to your MaiCoin account after the campaign result is confirmed and reward eligibility is verified, expected within 1–3 business days after settlement is completed.
Q15. Do I need to pay tax on the campaign reward?
Campaign rewards may be subject to income reporting or tax withholding requirements. Participants shall comply with applicable laws and regulations and provide such documents or information as the Company may require. The actual tax treatment depends on applicable regulations, the reward amount, and each user's individual circumstances.
Campaign Period and Lending Product Redemption
Q16. What stages does a Predictor Campaign go through?
A Predictor Campaign mainly includes:
- Campaign participation and Lending subscription period: Select a campaign option and complete the subscription to the designated Lending product.
- Lending product term: After the subscription period closes, the designated Lending product begins accruing base yield.
- Settlement period: After the Lending product matures, the campaign settlement result is confirmed, and the base yield and campaign reward are settled and distributed.
The campaign participation and Lending subscription deadline, interest start date, and maturity date may differ for each campaign. Please refer to the current campaign page.
Q17. Can I redeem early?
The Lending product associated with the Predictor Campaign is a fixed-term product and does not support early redemption online. If special circumstances require manual handling, the related returns and fees will be processed according to the terms of the applicable Lending product contract.