Crypto investors are increasingly seeking low-risk, high-reward opportunities to grow their idle assets. One standout option in today’s market is OKX Earn, a flexible savings solution offered by the OKX exchange that allows users to earn competitive interest on their digital holdings. With potential annual percentage yields (APYs) reaching up to 10%, OKX Earn—commonly referred to as “Yu Bibao” or “Remaining Currency Treasure”—offers a compelling alternative to traditional banking products while maintaining full liquidity.
This guide explores how OKX Earn works, how interest and platform rewards are calculated, step-by-step enrollment instructions, and key risk considerations—helping both beginners and experienced users make informed decisions.
What Is OKX Earn (Yu Bibao)?
OKX Earn is a flexible crypto savings product designed for users who want to earn passive income on idle digital assets. Unlike fixed-term deposits, OKX Earn allows you to subscribe and redeem at any time, with interest accrued hourly—making it ideal for those seeking liquidity without sacrificing returns.
When you deposit funds into OKX Earn, the platform lends your assets to leveraged traders on its margin and futures markets. In return, these traders pay interest, which is then distributed back to you—85% of the lending rate goes directly to users, while 15% is allocated as risk reserve to protect against potential defaults.
👉 Discover how easy it is to start earning high APY on your crypto—no experience needed.
How OKX Earn Interest Is Calculated
Understanding the mechanics behind interest distribution helps maximize your returns. Here's how it works:
- User subscribes to OKX Earn
- OKX pools the funds and puts them up for lending
- Leveraged traders borrow the assets
- Interest from loans is split: 85% to users, 15% to risk reserve
Hourly Interest Formula
Interest is calculated every hour, allowing for near real-time compounding. The formula is:
Hourly Interest = (Subscription Amount × Annual Lending Rate) / 365 / 24 × 85%For example, if you subscribe $1,000 worth of USDT at an annual rate of 8%, your first hour’s interest would be approximately:
(1000 × 0.08) / 365 / 24 × 0.85 ≈ $0.0078This amount compounds hourly, meaning your balance grows incrementally throughout the day.
Exclusive Platform Rewards: Boost Your APY Up to 10%
In a recent upgrade, OKX introduced limited-time platform rewards that significantly boost effective APYs for select cryptocurrencies. These incentives are designed to encourage participation and enhance user returns during promotional periods.
Eligible Assets & Reward Tiers
Currently, the following assets qualify for bonus rewards when subscribed to OKX Earn:
- USDT: Up to 10% APY (capped at 2,000 USDT)
- USDC: Up to 10% APY (capped at 2,000 USDC)
- BTC: Up to 5% APY (capped at 0.01 BTC)
- ETH: Up to 5% APY (capped at 0.2 ETH)
These rewards are in addition to standard lending interest, making them especially attractive for stablecoin holders. Since stablecoins like USDT and USDC are pegged 1:1 to the U.S. dollar, they offer relatively lower volatility compared to other cryptocurrencies.
💡 Pro Tip: To maximize rewards, keep your subscription within the cap limits. Any amount above the threshold will not earn the bonus yield.
Note: Reward rates and eligibility may change based on market conditions and platform announcements. Always check the official OKX website for the latest updates.
Step-by-Step Guide: How to Subscribe to OKX Earn
Getting started with OKX Earn is simple and takes just a few minutes. Follow this guide using the web version of OKX:
Step 1: Access the OKX Earn Page
Log in to your OKX account and navigate to the top menu. Click on "Earn", then select "Flexible Savings" (formerly Yu Bibao).
Step 2: Choose Your Asset
Browse the list of available cryptocurrencies. Look for those marked with “Bonus Reward” indicators—these offer enhanced APYs.
For this example, we’ll choose USDT, which currently offers up to 10% total APY including platform incentives.
Step 3: Enter Subscription Amount
Input the amount you’d like to subscribe. Remember:
- Maximum bonus reward for USDT is capped at 2,000 USDT
- Amounts exceeding the cap will still earn base interest but no additional bonus
Review the terms, agree to the service agreement by checking the box, and click “Subscribe”.
Once confirmed, your funds will begin earning interest within one hour.
👉 See how quickly your crypto can start working for you—start earning in minutes.
Frequently Asked Questions (FAQ)
Q: Is OKX Earn safe?
A: While no investment is entirely risk-free, OKX Earn is considered a low-risk option within the crypto space. Funds are used for lending on a regulated exchange, and 15% of interest income goes into a risk reserve fund. However, risks such as exchange insolvency or smart contract vulnerabilities still exist.
Q: Can I withdraw my funds anytime?
A: Yes. One of the biggest advantages of OKX Earn is its flexibility—you can redeem your assets at any time without penalties or lock-up periods.
Q: How often is interest paid?
A: Interest is calculated and credited hourly, providing continuous compounding growth.
Q: Why is there a cap on bonus rewards?
A: The caps ensure fair distribution of promotional incentives across a large user base and help manage systemic risk exposure.
Q: Do I need prior crypto experience to use OKX Earn?
A: Not at all. The interface is user-friendly and ideal for beginners looking to enter crypto investing with minimal risk.
Q: Are taxes applicable on earnings from OKX Earn?
A: Tax treatment varies by jurisdiction. In many countries, crypto interest income is taxable as ordinary income. Consult a tax professional for guidance based on your location.
Risk Considerations
While OKX Earn is one of the safer ways to earn yield in crypto, it’s important to understand potential risks:
- Stablecoin Depeg Risk: Although USDT and USDC aim to maintain a 1:1 value with USD, historical events have shown temporary deviations under extreme market stress.
- Exchange Risk: If OKX were to face operational failure or hacking incidents, there could be impacts on fund availability.
- Regulatory Uncertainty: Cryptocurrency regulations are evolving globally and could affect service availability or taxation.
Despite these factors, for users holding stablecoins or major cryptos like BTC and ETH, OKX Earn remains a low-volatility, high-liquidity savings tool suitable for conservative investors or those new to digital assets.
Final Thoughts: A Smart Way to Fight Inflation
With inflation eroding purchasing power worldwide, traditional savings accounts offering near-zero interest struggle to keep up. In contrast, OKX Earn delivers real growth potential, with effective yields reaching up to 10% APY when promotions are active.
It’s particularly well-suited for:
- Users with idle stablecoins
- Beginners exploring crypto investing
- Anyone seeking passive income with full access to capital
While promotional rewards may not last forever, the underlying product structure ensures ongoing value even after incentives expire.
👉 Start growing your crypto today—flexible, secure, and built for real results.
Remember: Always do your own research and assess your risk tolerance before investing. There’s no such thing as a guaranteed return in finance—but with tools like OKX Earn, you can get closer than ever to safe, sustainable growth in the digital asset ecosystem.