"Fixed Coupon Notes are perfect for users looking to buy U.S. stocks at a lower target price—earn interest while waiting to buy the dip. If the target price isn’t triggered, you get your principal + agreed interest back; if triggered, you buy the stock at the agreed execution price + earn the agreed interest. The difference between Fixed Coupon Notes and Dual Currency Investments: 1. Dual Currency has shorter terms, while FCNs are more medium to long-term (e.g., over 1 month). Essentially, FCNs are structured financial products based on selling put options. 2. FCNs have a larger capacity compared to Dual Currency, making them suitable for users with larger funds. Longer terms mean higher discounts, typically 20%-30% off (depending on the execution level, 20% or 30% off).