Case summary
What happened
HTX's Simple Earn Agreement, published on 25 January 2021 and updated in March 2025, applies to flexible and fixed-term Earn products. The agreement states that flexible subscriptions are matched with borrowing demand arising from HTX services and that flexible rates fluctuate with market conditions. Current first-party promotions in 2026 continue to advertise Flexible and fixed-term HTX Earn products. The reviewed sources do not establish the original launch date of the product family, so CYA leaves launch_date unresolved rather than treating the agreement publication date as launch.
Customer result
Customer outcome
Not applicable
Not-applicable is not a safety or principal guarantee. HTX's Simple Earn Agreement contains broad investment-risk disclosures and flexible-product returns are market-dependent.
- Estimated recovery
- No platform-wide customer-loss, claims, or repayment process was identified for HTX Simple Earn in the reviewed sources; the reviewed flexible/fixed product line remains active.
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Varies by product
Flexible rates are explicitly non-fixed and market-dependent, and the agreement contains broad investment-risk disclosures. Product-specific redemption language is not converted into a platform-wide solvency guarantee.
- Affected product
- HTX Simple Earn
- Confidence
- High
HTX's Simple Earn Agreement governs purchases and redemptions of flexible and fixed-term Earn products and states that Flexible subscriptions are matched with borrowing demand generated by HTX services. The reviewed agreement does not establish that subscribed assets are segregated deposits or trust property, so CYA does not infer universal deposit-like ownership or principal protection.
Known unknowns
Uncertainty
The 2021-01-25 date is the verified publication date of the Simple Earn Agreement, not a verified original launch date. HTX Earn also contains product families outside flexible/fixed Simple Earn, which are excluded from this product identity.
Chronology
Historical record
HTX publishes Simple Earn Agreement
HTX published the Simple Earn Agreement governing purchases and redemptions of HTX Earn products, including flexible and fixed-term products.
This is a documented agreement-publication milestone, not an asserted original product launch date.
HTX Earn Flexible promotion confirms current operation
HTX announced a Flexible Earn promotion and documented hourly accrual, compounding and redemption mechanics, confirming continuing Simple Earn/Flexible operation in 2026.
Current-operation evidence, not a launch event.
Source record
Evidence dossier
Filter by claim, reliability, source type, and whether evidence is linked to a specific event.
Entity
2 sourcesBeginner's Guide to HTX Earn
HTX · 2023-03-09
First-party guide showing that HTX Earn includes flexible and fixed deposit products as well as other product families; the canonical record is intentionally limited to Simple Earn flexible/fixed products.
New Listings on HTX Earn: Flexible Products for TNSR, SAGA, and MASA
HTX · 2024-04-24
First-party announcement explicitly directs app users to Earn > Simple Earn and documents flexible product mechanics.
status
1 sourcesHTX Earn Offers Limited-Time APY Bonus on LIT Flexible Products
HTX · 2026-03-24
Current first-party evidence confirming Flexible Earn operation in 2026, including hourly accrual and redemption mechanics.
terms risk
1 sourcesSimple Earn Agreement
HTX · 2021-01-25
First-party agreement for HTX Earn flexible and fixed-term products. It contains broad investment-risk disclosures and documents borrowing-demand matching for flexible subscriptions.
No evidence records match the current filters.
Comparative records