New Token Offering Announcement: Tokenized Notes STBL Now Available on EX.IO’s Wealth Channel, Offering Up to 4.34% APR* 

Dear EX.IO Customers, 

We are pleased to announce that Short-Term Asset-Backed Liquidity Note Token (STBL), a tokenized repackaging note backed by a portfolio of AAA-rated USD-denominated money market funds (MMFs), is now available on our wealth channel starting from 11:00 (UTC+8) on 27 March 2026. The product is arranged and managed by licensed asset manager Cinda International Asset Management Limited (CIAM). Qualified clients (Professional Investors in Hong Kong) can buy and sell STBL in USD, and will now earn up to 4.34% APR* on their holdings. 

Product Details: 

• Product Name: Short-Term Asset-Backed Liquidity Note Token (STBL) 

• Supported User Type: Professional Investors Only 

• Subscription & Redemption Currency: USD 

• Issue Price: 1 STBL = 1 USD 

• Minimum Subscription & Redemption Amount: 1 USD 

• Order Settlement Time: T+1 

• Yield Accrual: Yield accrues daily and is credited monthly to clients in the form of STBL. The yield is a floating APR indexed to Secured Overnight Financing Rate. 

• Fees: 0 subscription and redemption fees 

Please note: 

• STBL is not a stablecoin. It is a tokenized repackaging note for professional investors, with floating, Secured Overnight Financing Rate-referenced returns and capital at risk. 

• APR (up to 4.34%, *data collected from March 24th, 2025, to March 23rd, 2026) is floating and may change at any time. Refer to the STBL website for the latest information. 

• Bank transfer fee may be incurred during the payment process for subscription. The subscription amount will be based on the actual funds received by the Bank of New York Mellon. According to past experiences, no bank transfer fee would be incurred during the payment process for redemption. While any bank transfer fee is incurred during the payment process for redemption, the investor may need to bear the bank transfer fee accordingly. 

• Subscription and redemption requests placed before 5:00 PM (Hong Kong time) on a trading day are generally processed on the next trading day (T+1). Requests placed after 5:00 PM (Hong Kong time) on a trading day are generally processed on the second trading day (T+2). The trading day is defined as business day which both Hong Kong and U.S. Markets are open for business, excluding public holidays in Hong Kong and the U.S. Please note that subscriptions are subject to the product issuer’s actual receipt of funds, and redemptions require confirmation by the issuer and processing through the banking system. As such, the actual completion time may exceed the aforementioned timelines. The final subscription confirmation or receipt of redemption proceeds should be taken as the definitive completion time. 

• Please refer to STBL Indicative Termsheet and Risk Factors for more information prior to using the STBL services. 

• STBL cannot be traded, transferred to another user’s account, or withdrawn on-chain to a DeFi wallet. 

About STBL: 

Short-Term Asset-Backed Liquidity Note Token (“STBL”) is a tokenized structured product arranged and managed by licensed asset manager Cinda International Asset Management Limited (CIAM), designed for professional investors. STBL maintains a stable value of US$1 per note represented by a token. Issuance and transfers are recorded entirely on the blockchain and do not rely on traditional clearing infrastructure, enhancing transparency and efficiency. All holdings are recorded under a registered structure, with real-time verifiability and auditability of investor positions. Interest is derived from the underlying MMFs and is automatically distributed monthly in the form of newly issued tokens. CIAM rebalances the portfolio on a weekly basis to maintain structural integrity and return stability. The product supports daily subscription and redemption and includes an additional issuance mechanism, allowing for future expansion in line with market demand to accommodate institutional allocation needs. 

If you’d like to learn more about this product, please feel free to visit STBL Website & contact our team. 

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About EXIO Limited   

EX.IO is a regulated virtual asset trading platform (VATP) licensed by the Hong Kong Securities and Futures Commission (SFC) since Dec. 2024, making it one of the first full licensed VATPs under the deem-to-be-licensed regime in Hong Kong. It is also the only VATP accepted by the OASES program in Hong Kong. EX.IO aims to bridge traditional finance (Web2) and Web3 ecosystems by offering compliant trading, payment, and variant financial services.  

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