How to Use Binance Earn

Introduction to Binance Earn

Binance Earn is Binance's official comprehensive digital asset wealth management platform, designed to help users generate passive income from idle crypto assets. Whether you're a conservative investor seeking stable returns or an active investor willing to take on more risk for higher yields, Binance Earn offers a wide range of products. Log in to your Binance account and find the "Earn" entry in the homepage menu.

Detailed Product Types

Flexible Savings

Flexible Savings is the most basic and flexible earn product. Users can deposit and withdraw assets at any time with no lock-up period. Interest is automatically calculated and distributed daily, enabling auto-compounding.

Estimated APY:

USDT/USDC and other stablecoins: ~2%-6%
BTC: ~0.5%-3%
ETH: ~1%-4%
BNB: ~1%-5%

Rates adjust dynamically based on market supply and demand; actual rates are shown on the page in real time. The biggest advantage of Flexible Savings is its high liquidity — you can redeem at any time for trading or withdrawal, with nearly instant fund availability.

Locked Savings

Locked Savings requires users to lock their assets for a set period. Common lock-up periods include 7, 30, 60, 90, and 120 days. As compensation for giving up liquidity, Locked Savings typically offers higher rates than Flexible products.

Estimated APY Reference:

USDT 30-day locked: ~4%-8%
USDT 90-day locked: ~6%-12%
BTC 30-day locked: ~1%-4%

Assets cannot be withdrawn early during the lock-up period (some products allow early redemption but with forfeited interest). Upon maturity, principal and interest are automatically returned to your spot account. It's recommended to use idle funds that you won't need in the near term.

Dual Investment

Dual Investment is a structured yield product where users set a target price and settlement date. Regardless of whether the market price is above or below the target at expiry, users earn a fixed return. However, the settlement currency varies based on price movement.

For example: You hold 1 BTC and choose a "Sell High" product with a target price of 35,000 USDT. If BTC's price is above 35,000 at expiry, your BTC is sold at 35,000 and you receive USDT plus returns. If it's below 35,000, you keep your BTC and earn returns in BTC.

Dual Investment APY typically ranges from 10% to 80%, but note that it's essentially similar to selling options and carries opportunity cost risk. It's suitable for users who have some market outlook and can accept different settlement outcomes.

ETH Staking

By participating in Ethereum's POS staking through Binance, users deposit ETH and receive WBETH tokens as staking certificates. During the staking period, you continuously earn ETH network validation rewards, with APY typically ranging from 3% to 5%.

WBETH has liquidity and can be traded or used in other DeFi activities, so you don't need to worry about your ETH being completely locked up. This is an ideal choice for users who are long-term bullish on ETH and plan to hold.

Launchpool

Launchpool allows users to stake BNB, FDUSD, and other assets to "mine" new tokens about to be listed on Binance. Your principal remains safe during the mining period, and the rewards are airdropped new tokens. For detailed instructions on Launchpool, please refer to the dedicated Launchpool guide.

Subscription Steps

Mobile App

Open the Binance App and log in to your account
Find the "Earn" entry in the bottom navigation bar or homepage
Browse the product list; filter by token, yield, or product type
Select a product and tap to view details
Enter the subscription amount (note the minimum subscription limit)
Review the product rules and risk disclosure, then tap "Subscribe"
Enter your transaction password or verify via biometrics to complete

Web

Log in to the Binance website
Select "Earn" > "Binance Earn" in the top navigation menu
The remaining steps are similar to the app: select a product, enter amount, and confirm

Redemption

Redeeming Flexible products is very straightforward — tap the "Redeem" button on the corresponding product in your earn holdings page, select the redemption amount, and funds typically arrive instantly. Locked products are automatically redeemed upon maturity with no manual action required.

If you've enabled "Auto-Subscribe," funds redeemed to your spot account will automatically be re-deposited into Flexible Savings to continue earning. You can turn off this feature at any time in settings.

Risk Disclosure

Market volatility risk: While earn products have fixed rates, the crypto assets you hold may depreciate in value; stablecoin savings can mitigate this risk
Liquidity risk: Locked products cannot be withdrawn during the lock-up period, potentially causing you to miss market opportunities
Platform risk: Although Binance is one of the world's largest exchanges, inherent risks of centralized platforms still apply
Yield fluctuation: Flexible product rates adjust with market changes and are not guaranteed
Dual Investment risk: Unfavorable settlement prices may result in opportunity cost losses

Earn Strategy Recommendations

Beginners: Start with USDT Flexible Savings to learn the process before trying other products
Fund allocation: Invest no more than 50% of your idle funds in earn products; retain sufficient trading liquidity
Diversification: Spread funds across different products and terms to reduce single-point risk
Regular review: Check your holdings and yield changes weekly and adjust accordingly

If you don't have a Binance account yet, you can open one through the registration link, complete identity verification, and gain access to all earn features. Download the Binance App to manage your earn assets anytime, anywhere.