What Is the Taikang Kaitai USD Money Market Fund?

In an environment where investors increasingly seek stability, transparency, and liquidity for their USD holdings, money market funds (MMFs) have re-emerged as an attractive solution. Among the options available in the Hong Kong market, the Taikang Kaitai USD Money Market Fund stands out for its strong regulatory footing, institutional-grade custody, and efficient on-chain delivery.

Designed for both retail and professional investors, this fund provides a simple yet robust way to manage short- and medium-term USD liquidity without the complexity or volatility often associated with other investment products.

Know The Fund: A Regulated and Transparent Structure

The Taikang Kaitai USD Money Market Fund is established under a unit trust structure approved by the Hong Kong Securities and Futures Commission (SFC). As a public fund authorized for distribution to the Hong Kong market, it adheres to stringent regulatory requirements, ensuring a high level of investor protection. This structure brings confidence to investors who prioritize safety and compliance—particularly important in the broader digital asset and fintech space, where regulations can still be evolving.

Unlike many traditional MMFs that blend various short-term debt instruments, the Taikang Kaita USD fund takes a conservative yet straightforward approach.

It allocates its assets exclusively to bank deposits, with no bond exposure. This design mitigates interest rate risk and reduces the potential for drawdowns resulting from bond price volatility. For investors seeking reliable capital preservation, this conservative allocation aligns strongly with the principle of maintaining stability while delivering steady returns.

Stable Returns With No Drawdowns

Since its inception, the Taikang Kaitai USD Money Market Fund has achieved consistent positive performance with zero drawdowns. By focusing solely on bank deposits, the fund ensures that its value remains stable, even during periods of heightened market volatility or interest rate fluctuations.

This performance profile makes the fund particularly suitable for investors who want:

• To try investing in a fund to diversify their portfolio without any high commitment

• A low-risk way to earn interest on idle USD

• A secure place to park capital during uncertain market environments

• A diversified liquidity solution that complements other investments

Whether the market is experiencing a bull cycle, a bear phase, or broader macroeconomic uncertainties, the fund's stability helps investors maintain predictable returns without sacrificing safety.

Market-Leading Scale and Performance

Taikang Asset Management, the fund issuer, is recognized for managing some of the most competitive MMFs in Hong Kong. The USD Money Market Fund is no exception — its scale, consistency, and performance have placed it among Hong Kong's leading money market funds.

The combination of professional management, risk-controlled strategies, and disciplined oversight supports its reputation as a reliable liquidity vehicle for both individual and institutional investors.

Secure Custody and On-Chain Tokenization Through OSL

One of the fund's most distinctive features is its seamless integration with OSL's regulated digital asset infrastructure. Through OSL Tokenworks, the fund is made available to investors via tokenization, enabling faster settlement, improved transparency, and enhanced operational efficiency.

In practice, this means:

• Investors benefit from institutional-grade custody backed by a regulated Hong Kong trust structure

• Tokenized fund units offer real-time proof of ownership

• Transactions and redemptions become more efficient and secure through blockchain technology

This combination of traditional fund structure and digital asset innovation makes the Taikang Kaitai USD Money Market Fund a forward-looking solution for investors who want the best of both worlds: regulated market access and modern financial technology.

Easy Access, Low Barrier of Entry — A Solution for All Investor Types

The fund is deliberately designed to be accessible. With low minimum investment requirements, as low as $1 USD and no subscription or redemption fees, investors can start deploying idle USD quickly and cost-effectively. These features also make the fund attractive for:

• Individuals seeking stable returns

• Professional investors managing diversified portfolios

• Corporations looking for efficient short-term liquidity solutions

• Crypto-native investors who prefer regulated yield options over volatile markets

The combination of low barriers to entry and high liquidity ensures that investors can deploy and withdraw capital flexibly as their financial needs evolve.

A Simple, Reliable Way to Optimize USD Liquidity

The demand for safe, flexible, and regulated liquidity products continues to grow. The Taikang Kaitai USD Money Market Fund addresses this need with a compelling value proposition rooted in safety, transparency, and performance.

With its SFC-approved structure, stable return profile, regulated custody, and on-chain tokenization, the fund provides a modern liquidity solution for both traditional and digital asset investors.