Based on the Saving financial management project initiated by the platform, merchants are allowed to create experience fund activities. The financial management experience fund provides users with free trial funds for financial management. After users receive it, they can obtain the financial management income of the experience fund within the valid time.

Experience fund activities initiated by merchants:
1. Merchants can configure experience fund activities and configure the requirements for claiming experience fund profits according to their own requirements. Only users who meet the requirements can successfully receive the experience fund.
2. Cost of the experience fund: Merchants do not need to pay the corresponding amount of assets when initiating experience fund activities. They only need to pay the interest generated by the corresponding assets at this stage.
3. Interest distribution account: The interest distribution is defaulted to be paid from the financial management profit sharing account of the merchant.

The activity configuration includes basic configuration, claiming configuration, distribution configuration, and activity time.
The newly configured activity needs to be enabled in the activity list to take effect.
The default annualized yield rate of the added activity is consistent with the current demand deposit financial management yield rate of the currency.

Activity name: Back-end name, not displayed on the user side.
Single amount: The amount of a single experience fund.
Total number of shares: The maximum number of shares that users can receive.
Daily distribution limit: The limit for users to receive on a single day. After exceeding the share, subsequent users cannot receive.
Interest-bearing period: The number of days for the experience fund to generate interest.
Estimated cost: Cost calculation = Single amount * Total number of shares * Annualized yield rate ÷ 365 * Interest-bearing period.
For example: The single amount is 1000 USDT, and a total of 100 shares are distributed. The current annualized yield rate of USDT is 5%, and the interest-bearing period of the experience fund is 7 days. Then the cost is: 1000 * 100 * 5 / 356 * 7 = 98.31 USDT.

Claiming restrictions: No restrictions (anyone can claim); Never participated in financial management (users without any financial management participation records); Currently not participating in financial management (users with a current financial management position of 0); New users (users registered for less than 30 days)Asset restrictions: It is possible to restrict users of a certain asset within a certain range to be able to receive the experience fund.
If the user does not meet the claiming conditions, the activity will not be displayed on the front end.

Claiming validity period: This period provides users with the claiming time for earnings. If the interest-bearing period of the experience fund is 7 days and the claiming validity period is 10 days. If the claiming time is April 1st, then users enjoy financial management income from April 2nd to April 8th. However, if they do not meet the claiming conditions during this period, as long as the user meets the conditions on any day before April 18th, the income from April 2nd to April 8th will be issued to the user.
Claiming requirements: If the conditions are not met, users cannot claim the period income.