Earn Interest on Your Crypto: EARN Products Offer Attractive Stable Returns

Nowadays, everyone hopes to earn extra income through wealth management. Compared to depositing money in a bank to earn interest, earning passive income by holding digital assets is more convenient and offers higher returns. For users holding cryptocurrency with moderate risk tolerance, using cryptocurrency to generate passive income is also a good investment method. Not everyone can master the wisdom of profiting from long-term holding, so why not fully utilize idle assets to maximize returns?

Currently, OKX has launched financial services such as "EARN", providing users with various services including fixed-term earning and flexible savings, allowing users to freely select products and earn stable returns through simple three-step operations using idle digital assets.

I. Introduction to EARN Products

1. EARN Product: Flexible Savings

Flexible Savings is a crypto value-added product created by OKX that supports instant deposits and withdrawals, hourly interest calculation, and customizable interest rates. After users transfer assets to Flexible Savings, the system determines at each hour whether the lending is successful based on the lending rate set by the user. If lending is successful, users can earn interest for that hour; otherwise, no interest is earned, and they must wait for the next hour's matching result. Flexible Savings relies on OKX's strict risk control system to fully safeguard user assets, allowing you to enjoy returns with peace of mind.

2. EARN Product: Fixed-Term Earning

Fixed-term earning refers to staking digital assets in a blockchain network and receiving rewards generated based on the PoS (Proof of Stake) mechanism. In this mechanism, users delegate their coins to nodes, which exercise rights such as block production and transaction packaging on the blockchain and receive rewards. Users share in the rewards earned by nodes proportionally based on their staked amount.

For more product introductions, click to view inside EARN products——EARN

II. EARN Product Operation Guide - Taking Flexible Savings as an Example

1. Subscribe

Open the OKX App Homepage—【EARN】. After entering the EARN page, you can first select the coin you want to subscribe to and then subscribe based on that coin's EARN products, or you can first select the EARN product type and then proceed with subscription. Here we use selecting the subscription coin first as an example.

Through search or browsing, select the coin you want to subscribe to. Taking **【USDT】as an example** —Flexible Savings【Subscribe】.

Enter**【Subscription Amount】, set【Minimum Lending APY】, and then click【Subscribe】**, then view subscription information on the new page and confirm to complete the subscription operation.

Note:

1. Flexible Savings subscription coins also include BTC, ETH, LON, and other coins that support margin trading. Users can select relevant coins for subscription.

2. During subscription, the asset source is the unified Trading Account. If these funds are used as margin for Futures/Margin trading, please be aware of the risk.

3. Interest is distributed hourly, but only users whose rate auction is successful can earn interest. After returns are credited, they are automatically transferred to Flexible Savings to start earning interest.

4. Users can request redemption at any time. Assets requested for redemption, regardless of whether they are currently being lent, are expected to be credited at the next whole hour, and assets requested for redemption will not participate in the next hour's rate matching and interest calculation.

2. Redeem

For financial products after subscription, whether lending is successful or not, you can open OKX【Assets】page, click【Financial Account】—【Select subscribed coin】—【Order Management】—**【Redeem】**to complete the redemption operation.

You can view fund dynamics in **Assets【Overview】**, or view whether principal and returns are credited in a timely manner and whether the credited amount is accurate in the corresponding account within Assets.

Friendly Reminder:

1. Flexible Savings supports subscription at any time and redemption requests can be made at any time. Assets requested for redemption, regardless of whether they are currently being lent, are expected to be credited at the next whole hour.

2. Flexible Savings guarantees principal. There will be no loss in the number of coins, and principal is safe (excluding coin price fluctuations).

3. After funds are transferred to Flexible Savings, users whose lending is successful each hour can earn interest.

In addition to stable return products, OKX offers Margin, Futures, and other services. Click to learn more

Disclaimer

This article may contain content related to products that are not available in your region. This article is intended to provide general information only and does not assume responsibility for any factual errors or omissions therein. This article represents only the author's personal views and does not represent the views of OKX. This article is not intended to provide any of the following advice, including but not limited to: (i) investment advice or investment recommendations; (ii) offers or solicitations to buy, sell, or hold digital assets; or (iii) financial, accounting, legal, or tax advice. Holding digital assets (including stablecoins) involves high risk, may fluctuate significantly, and may even become worthless. You should carefully consider whether trading or holding digital assets is suitable for you based on your financial situation. For questions regarding your specific situation, please consult your legal/tax/investment professional. The information appearing in this article (including market data and statistics, if any) is for general reference only. Although we have taken all reasonable precautions in preparing these data and charts, we assume no responsibility for any factual errors or omissions expressed herein. © 2025 OKX. This article may be reproduced or distributed in its entirety, or excerpts of 100 words or less from this article may be used, provided that such use is non-commercial. Any reproduction or distribution of the entire article must also prominently state: "Copyright © 2025 OKX. Used with permission." Permitted excerpts must cite the article name and include the source, such as "Article Name, [Author Name (if applicable)], © 2025 OKX". Some content may be generated or assisted by artificial intelligence (AI) tools. Derivative works or other uses of this article are not permitted.

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