Binance Launches Discount Buy: 10% Promo on Crypto Purchases Below Market Price with APR Rewards

Binance has launched a structured product called “Discount Buy,” allowing users to purchase major cryptocurrencies such as Bitcoin (BTC) and Ethereum (ETH) below market prices or earn annual percentage rate (APR) rewards if predefined price targets are unmet. The feature, introduced on July 29, 2025, enables users to lock stablecoins like USDC or USDT into fixed-term products with customizable parameters, including a target buy price, knockout price, and settlement date. Settlement outcomes depend on how the average market price over a 30-minute window on the settlement date compares to these thresholds. If the price meets or falls below the target, users purchase crypto at the discounted rate. If it remains between the target and knockout price, half the funds are converted to crypto, and the remainder is returned in stablecoins. If the price exceeds the knockout threshold, users receive their principal back plus APR rewards [2].

The product’s first month includes a promotional offer: eligible users who subscribe between July 29 and August 11, 2025, receive an additional 10% discount on successful purchases. Terms are fixed at the time of subscription, with funds locked until settlement and no early redemption allowed. No trading fees are charged when purchases are executed [2]. APR rewards, funded by Binance, are determined based on market conditions and product parameters [3]. This offering aligns with Binance’s strategy to expand its crypto derivatives portfolio, following initiatives like tokenized treasury yields and stablecoin products [4].

Discount Buy aims to provide investors with a risk-managed approach to market entry, enabling participation without constant price monitoring. Jeff Li, Binance’s Vice President of Product, emphasized the product’s flexibility, stating it allows users to “participate in the market with reduced time commitment” [2]. By setting target and knockout prices, investors can attempt to secure discounted assets while earning passive income if market conditions prevent the purchase. This dual outcome mitigates downside risk and enhances portfolio flexibility [2].

Analysts suggest structured products like Discount Buy may appeal to retail investors seeking passive income or discounted entry points in a moderately volatile market [5]. However, the feature’s effectiveness depends on strategic parameter selection. Users must carefully align target and knockout prices with their investment goals, as outcomes are contingent on market movements. APR rewards vary and are subject to market conditions, requiring users to assess potential returns against risks [2].

The product’s settlement mechanism introduces multiple scenarios, offering tailored outcomes based on price performance. For instance, if the settlement price is at or below the target, 100% of the investment is allocated to crypto. If the price is between the target and knockout levels, 50% is converted to crypto, and 50% is returned. If the price meets or exceeds the knockout threshold, users receive their principal plus APR rewards without purchasing crypto [2]. This structure provides a balance between capital preservation and growth opportunities, appealing to both conservative and aggressive investors.

Binance’s Discount Buy reflects the growing demand for innovative financial tools in the crypto space. By offering a structured approach to market participation, the platform addresses common challenges such as timing and volatility. The feature’s emphasis on user control—through customizable price thresholds and fixed terms—aligns with broader trends toward personalized investment strategies. As the crypto market evolves, products like Discount Buy may play a pivotal role in democratizing access to sophisticated financial instruments [2].

Sources:

[1] Binance. "Binance Earn Introduces Discount Buy." https://www.binance.com/en/support/announcement/b94f177219bc4087b3d3ea9b7de1237f

[2] Finbold. "Binance Introduces 'Discount Buy' for Below-Market Crypto Purchases or Earn Rewards." https://finbold.com/binance-introduces-discount-buy-for-below-market-crypto-purchases-or-earn-rewards/

[3] Binance. "Binance Announcement's Profile." https://www.binance.com/en/square/profile/binance_announcement

[4] Economic Times. "Coinbase's Asset Roadmap: BIO and EUL Insights." https://m.economictimes.com/crypto-news-today-live-29-jul-2025/liveblog/122959972.cms

[5] CoinCodex. "Binance Coin (BNB) Price Prediction 2025, 2026-2030." https://coincodex.com/crypto/binance-coin/price-prediction/