Beyond profiting from trades, Binance offers a rich lineup of earn products that put your idle assets to work. Whether you are a conservative or aggressive investor, there is an option that fits your style. After you Sign up on Binance and Download the Binance App, head to the "Earn" section to browse every available product.
Binance Earn
This is the main gateway to all Binance earn products. It includes the following major categories:
Flexible Savings
Similar to a regular savings account, you can deposit and withdraw at any time. Interest accrues daily, and annual percentage yields typically range from 1% to 5%, depending on the asset.
Best for: Users who hold idle USDT or other tokens and may need the funds for trading at any moment.
Advantages:
- Deposit and withdraw anytime with full flexibility
- No lock-up required
- Interest is calculated automatically
Note: Yields fluctuate with market supply and demand and are not fixed.
Fixed Savings (Locked Savings)
Similar to a fixed-term deposit at a bank, you lock your funds for a set number of days (commonly 30, 60, 90, or 120 days). The yields are higher than flexible savings, generally 5% to 15% APY.
Best for: Users who do not plan to trade in the near term and are willing to lock funds for a higher return.
Note: You cannot withdraw early during the lock-up period, or you may forfeit your interest if you do.
Dual Investment
This is a structured earn product. You choose a target price and an expiry date. If the market price reaches the target at expiry, your assets are converted into the other currency; if not, you keep the original currency and still earn a yield.
Best for: Users who have a view on where the market is headed and are willing to accept the risk of currency conversion.
Note: This product is somewhat complex. Beginners should make sure they fully understand the mechanics before participating.
Staking
Staking means locking cryptocurrency in a blockchain network to help validate transactions and earn rewards in return. Binance offers a simplified staking service so you do not need to run your own node; a few taps in the app are all it takes.
Popular staking assets:
- ETH (Ethereum)
- SOL (Solana)
- ADA (Cardano)
- DOT (Polkadot)
Yields vary by asset and market conditions but generally fall in the 3% to 15% APY range.
Launchpool
Launchpool lets you stake BNB or other designated tokens to earn newly listed tokens for free. It is essentially a zero-cost way to acquire new tokens (setting aside the price volatility of the staked token itself).
How to participate:
- Hold BNB or the specified token
- Stake it on the Launchpool page
- Receive new token rewards when the farming period ends
Liquidity Farming
By supplying funds to Binance liquidity pools, you earn a share of trading fees plus additional rewards. Returns are often higher than standard earn products, but you also face unique risks such as impermanent loss.
What is impermanent loss? In simple terms, when the price ratio of the two tokens you provide changes, the value of your assets upon withdrawal may be less than if you had simply held them. The larger the price swing, the greater the impermanent loss.
Yield Comparison
Here is a side-by-side look at the risk and return profiles of different earn products:
| Product | APY | Risk Level | Flexibility |
|---|---|---|---|
| Flexible Savings | 1%–5% | Low | High |
| Fixed Savings | 5%–15% | Low | Low |
| Staking | 3%–15% | Medium | Medium |
| Dual Investment | 10%–50% | Medium-High | Low |
| Liquidity Farming | 5%–30% | Medium-High | Medium |
Tips for Beginners
- Start with Flexible Savings: Park your idle USDT in flexible savings so you can withdraw it anytime you need to trade.
- Diversify: Do not put all your funds into a single product.
- Understand the risks: Higher yields come with higher risks. Read the product details carefully before committing.
- Watch the underlying asset price: If the token you deposited drops sharply, the interest you earn may not offset the loss in value.
- Check your earnings regularly: After you Sign up on Binance, you can monitor the performance of all your earn positions on the Earn page.
FAQ
Are Binance earn products principal-protected?
No. While the number of tokens you deposit will not decrease (for flexible and fixed savings), the token price itself fluctuates. If the price drops, the total value of your assets may decline.
How often are earnings distributed?
Flexible savings pay out daily. Fixed savings pay out in a lump sum at maturity. Staking rewards are typically distributed daily or every few days.
Is there a minimum deposit?
Most products have a minimum deposit requirement, usually around 10 USDT. The exact amount is shown on each product's page.
Can I trade and earn at the same time?
Funds deposited in earn products cannot be used for trading while they are locked. Flexible savings can be redeemed at any time and then used for trading.
Are the yields fixed?
Flexible savings yields float and adjust with market conditions. Fixed savings lock in a rate at the time of subscription and settle at that rate upon maturity.
Safety Tips
- Only purchase earn products through the official Earn page after you Download the Binance App
- Do not trust any product that claims "1% daily returns" or "30% monthly returns"
- Make sure your account security settings are fully configured before committing funds
- Test the process with a small amount before making a large deposit
- Regularly review your earn positions and their performance