Managing your idle crypto assets efficiently is essential in today’s fast-paced digital economy. With OKX Earn, users can maximize returns on their holdings through flexible, secure, and user-friendly financial products like Flexible Savings—formerly known as "Yu Bibao" (Residual Coin Treasure). This guide walks you through the complete process of using OKX Earn’s Flexible Savings feature directly from the web platform, ensuring you make the most of your crypto with minimal effort.
Whether you're new to crypto earning tools or looking to optimize your strategy, this tutorial covers everything from accessing the service to adjusting settings and redeeming funds—all within a secure, compliant environment.
Accessing OKX Earn on Web
To get started:
- Visit the official OKX website and log in to your account.
- In the top-left corner, click on Financial Services.
- Select Earn from the dropdown menu to enter the OKX Earn dashboard.
This section serves as your central hub for all passive income opportunities, including Flexible Savings, Fixed-term Deposits, Staking, and more.
👉 Discover how easy it is to start earning with your idle crypto assets today.
Step 1: Choose a Cryptocurrency for Flexible Savings
Once inside the Earn section:
- Use the search bar to find the cryptocurrency you'd like to deposit—let’s use USDT as an example.
- From the available options, select Flexible Savings.
- Click Subscribe to proceed.
Flexible Savings allows you to earn competitive interest rates on stablecoins and other major cryptocurrencies without locking your funds. Interest is calculated hourly and distributed daily, offering both liquidity and consistent returns.
Why Choose Flexible Savings?
- High liquidity: Redeem funds anytime with fast settlement.
- Daily interest payouts: Earn rewards every 24 hours.
- No lock-up period: Maintain control over your assets.
- Auto-compounding option: Reinvest earnings seamlessly.
Step 2: Select Subscription Mode – Simple or Advanced
After clicking Subscribe, a pop-up window will appear with two operational modes:
🔹 Simple Mode
Ideal for beginners:
- Enter the amount of crypto you wish to deposit.
- Click Subscribe.
- Confirm the transaction.
The system automatically allocates your funds to available lending pools with dynamic interest rates.
🔹 Advanced Mode
Designed for experienced users who want greater control:
- Set a minimum lending APY threshold.
- Input the desired deposit amount.
- Only when market rates meet or exceed your specified rate will the subscription execute.
This mode helps optimize returns based on real-time market conditions and personal yield preferences.
Both modes support instant subscription upon confirmation, with transparent fee structures and no hidden costs.
Step 3: Confirm Your Subscription
Before finalizing:
Review all details in the confirmation panel:
- Currency selected
- Deposit amount
- Chosen mode (Simple or Advanced)
- Minimum APY (if applicable)
- Check the box confirming that you’ve read and agreed to the terms and conditions.
- Click Confirm.
Upon successful processing, the system displays a confirmation message and redirects you to the My Earn page, where your active positions are listed.
Managing Your Flexible Savings Portfolio
Navigate to My Earn to monitor and manage your investments.
View Subscription Details
Click on any active Flexible Savings position to see:
- Total subscribed amount
- Current balance
- Hourly/daily interest earned
- Cumulative earnings
- Interest rate trends
You can also track performance over time and export data for personal accounting purposes.
Edit Your Settings
Click the Edit icon next to your position to:
- Switch between Simple and Advanced modes
- Adjust your minimum lending APY in Advanced Mode
- Update preferences based on changing market dynamics
These adjustments take effect immediately and help you stay competitive in fluctuating yield environments.
Redeeming Funds from Flexible Savings
When you're ready to withdraw:
- Go to My Earn.
- Locate the asset you wish to redeem.
- Click Redeem.
- Enter the amount (partial or full redemption allowed).
- Confirm the transaction on the next screen by clicking Complete.
Funds are typically credited back to your trading account within seconds, depending on network conditions. There are no penalties for early withdrawal, making this one of the most flexible earning tools in the crypto space.
Frequently Asked Questions (FAQ)
Q: What is Flexible Savings on OKX?
A: Flexible Savings is a non-locking product that lets users earn interest on idle crypto assets with high liquidity and daily payouts. It's ideal for those who want returns without sacrificing access to their funds.
Q: Which cryptocurrencies are supported?
A: Major assets including USDT, BTC, ETH, USDC, DOT, SOL, and many others are supported. The list expands regularly based on market demand and risk assessment.
Q: How is interest calculated?
A: Interest accrues hourly at variable rates depending on market lending demand. Payouts occur daily before 12:00 PM UTC and are automatically added to your balance.
Q: Is there a minimum deposit?
A: Most currencies have low minimums—often less than $10 equivalent—making it accessible even for small holders.
Q: Can I lose money with Flexible Savings?
A: While OKX conducts strict counterparty evaluations and maintains risk reserves, all lending activities carry credit and market risks. However, historical defaults have been fully covered by platform safeguards.
👉 See how much you could earn by putting your idle crypto to work—start now with zero commitment.
Tips for Maximizing Returns
- Use Advanced Mode during volatile periods to avoid low-yield allocation.
- Diversify across multiple coins to spread risk and capture varied yield opportunities.
- Monitor rate trends weekly and adjust minimum APY targets accordingly.
- Enable auto-compound features if available, to grow your holdings exponentially over time.
Flexible Savings integrates seamlessly into broader portfolio strategies, especially when combined with stablecoin holdings used for trading or hedging.
Final Thoughts
OKX Earn’s Flexible Savings offers a powerful yet simple way to generate returns on underutilized digital assets. With intuitive web navigation, real-time control, and strong security protocols, it stands out as a top choice for both novice and advanced users.
By following this step-by-step guide, you can confidently subscribe, manage, and redeem your savings—all while maintaining full transparency and flexibility.
Whether you’re holding stablecoins for future trades or simply want your crypto to work harder while you sleep, Flexible Savings delivers consistent value in a dynamic ecosystem.
👉 Start earning today—turn your idle crypto into active income with just a few clicks.
Core Keywords:
- Flexible Savings
- Crypto interest
- Passive income crypto
- OKX Earn
- Idle crypto assets
- Daily interest crypto
- Non-locking crypto savings
- USDT lending
All external links have been removed except for authorized OKX anchor text placements.