OKX Earn Guide 2026: Staking, Savings & DeFi
Discover all OKX Earn products to generate passive income from your crypto. From simple savings to advanced structured products, learn how to maximize your yields safely.
Start Earning with 20% Fee Discount
Use TRADEOFF20 when registering to save on all trading fees when entering or exiting earn products
What is OKX Earn?
OKX Earn is a comprehensive suite of passive income products built into the OKX exchange. It allows you to put your idle crypto assets to work by earning interest, staking rewards, or yield farming returns - all from within the OKX app.
Whether you prefer low-risk savings accounts with stablecoins or higher-yield DeFi strategies, OKX Earn offers products for every risk tolerance and investment horizon. All products are accessible directly from the OKX platform with no additional setup required.
OKX Earn Products Overview
Simple Earn - Flexible
Low Risk1-5% APYDeposit crypto and earn daily interest with no lock-up period. Withdraw anytime. Ideal for idle assets you may need access to. Supports BTC, ETH, USDT, USDC, and many other tokens.
Simple Earn - Fixed
Low Risk3-10% APYLock your crypto for a fixed period (7, 14, 30, 60, or 90 days) in exchange for higher interest rates. The longer the lock period, the higher the APY. Principal is returned at maturity.
On-Chain Staking
Medium Risk4-15% APYStake proof-of-stake tokens directly through OKX to earn validator rewards. Supports ETH, SOL, DOT, ATOM, ADA, and more. Unstaking periods vary by network.
DeFi Earn
Medium Risk5-20% APYAccess DeFi yield farming protocols directly through OKX. Earn yields from lending, liquidity provision, and yield optimization strategies across multiple chains and protocols.
Dual Investment
Medium Risk5-50%+ APYCommit to buy low or sell high at a target price on a settlement date. Earn a guaranteed APY regardless of outcome, but the settlement asset depends on whether the target price is reached.
Structured Products
High Risk3-30%+ APYAdvanced products like Shark Fin and Snowball offer enhanced yields with unique payoff structures. Higher potential returns but requires understanding of the product mechanics and associated risks.
How to Start Earning on OKX
Register and Fund Your Account
Create an OKX account with referral code TRADEOFF20 for 20% off trading fees. Complete verification and deposit the crypto you want to earn on.
Navigate to OKX Earn
Open the OKX app or website and go to the "Earn" or "Finance" tab. Browse available products filtered by asset, APY, duration, or risk level.
Choose Your Product
Select a product that matches your goals. Consider the APY, lock period, minimum deposit, and risk level. Read the product details carefully before subscribing.
Subscribe and Start Earning
Enter the amount you want to deposit and confirm. Earnings begin immediately for flexible products or after the subscription is processed for fixed and staking products.
Risk Comparison by Product Type
| Product | Risk Level | Typical APY | Lock Period | Best For |
|---|---|---|---|---|
| Flexible Savings | Low | 1-5% | None | Idle assets |
| Fixed Deposits | Low | 3-10% | 7-90 days | Long-term holders |
| Staking | Medium | 4-15% | Varies | PoS believers |
| DeFi Earn | Medium | 5-20% | Flex/Fixed | Yield seekers |
| Dual Investment | Medium | 5-50%+ | 1-7 days | Active traders |
| Structured Products | High | 3-30%+ | 7-30 days | Advanced users |
OKX Earn vs Binance Earn
| Feature | OKX Earn | Binance Earn |
|---|---|---|
| Flexible USDT APY | 3-5% | 2-4% |
| Staking Options | 30+ | 40+ |
| DeFi Integration | Yes | Limited |
| Structured Products | More variety | Basic |
| Fee Discount | 20% (TRADEOFF20) | 20% (TRADEOFF20) |
Pro Tips for Maximizing OKX Earn Returns
Diversify Across Products
Do not put all your crypto into one earn product. Spread across flexible savings (for liquidity), fixed deposits (for higher yields), and staking (for long-term holdings). This balances risk, return, and liquidity.
Understand Lock Periods
Before subscribing to fixed-term products, ensure you will not need the funds during the lock period. Early withdrawal may result in reduced or forfeited interest. Use flexible savings for emergency funds.
Compound Your Earnings
Reinvest your earned interest back into earn products to benefit from compound returns. Even small amounts compounded over time can significantly boost your total earnings.
Frequently Asked Questions
Start Earning Passive Income on OKX
Put your crypto to work with OKX Earn. Register with TRADEOFF20 for 20% off trading fees and start earning yields today.
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