Make Your Idle Assets Work for You
If your Binance account holds some cryptocurrency that you are not planning to trade anytime soon, why let it sit idle in the Spot account when you could be earning returns through Binance Earn? The Earn section (Binance Earn) offers a variety of products — from flexible, accessible savings to higher-yield locked products — with something to suit every user.
Binance has made the Earn features very intuitive, with clear categories and simple operations. Here is a full walkthrough of every type of Earn product.
Accessing the Earn Section
- Open the Binance app
- Tap "More" in the bottom navigation bar and find "Earn"
- Or find the "Earn" entry point on the home screen
- Enter the Binance Earn homepage
The Earn homepage displays currently popular products, estimated annual percentage yields (APY), and recommended ongoing promotions.
Flexible Savings
What Is Flexible Savings?
Flexible savings works like a bank savings account — deposit and withdraw at any time with no lock-up period. Your coins earn interest automatically every day, and you can withdraw whenever you need to.
The yield is relatively modest (typically 1%–5% annually), but it offers maximum flexibility.
Steps
- On the Earn page, find "Simple Earn – Flexible"
- Browse the available product list and find the coin you want to deposit
- Tap the coin to enter the details page
- Check the current estimated annual yield
- Tap "Subscribe"
- Enter the deposit amount
- Check "Auto-Subscribe" (recommended)
- Tap "Confirm"
After depositing, interest is automatically credited to your account every day.
Redeeming
- Go to the "My Earn" page
- Find the corresponding Flexible savings product
- Tap "Redeem"
- Enter the redemption amount
- Select "Fast Redemption" (instant credit) or "Standard Redemption" (credited the next day, but may come with additional rewards)
- Confirm the redemption
Fast Redemption is typically instant, making it very convenient.
Locked Savings
What Is Locked Savings?
Locked savings has a fixed lock-up period (such as 30 days, 60 days, 90 days, 120 days, etc.) during which funds cannot be withdrawn. In exchange, the yield is much higher than Flexible savings.
Steps
- On the Earn page, find "Simple Earn – Locked"
- Select the coin and lock-up duration
- Check the annual yield (for the same coin, longer lock-up periods offer higher yields)
- Tap "Subscribe"
- Enter the deposit amount
- Read the lock-up terms
- Confirm the subscription
Early Redemption
If you need access to your funds during the lock-up period, some products support early redemption, but this results in forfeiting the accrued interest. The specific terms are clearly stated on the subscription page.
ETH Staking
What Is ETH Staking?
Since Ethereum transitioned to a Proof-of-Stake mechanism, ETH holders can participate in network validation through staking and earn staking rewards. On the Binance app, you do not need to set up your own node — simply deposit ETH into the staking product.
Binance's ETH staking issues you BETH (or WBETH) tokens as proof of your stake. Holding these tokens represents your staked ETH.
Steps
- On the Earn page, find "ETH Staking" or search for "ETH Staking" in the search bar
- Check the current staking yield (typically 3%–5% annually)
- Tap "Stake"
- Enter the amount of ETH you want to stake
- Review the BETH/WBETH issuance rules
- Confirm the staking
Unstaking
ETH staking typically involves a waiting period to unstake. On Binance, you can also sell your BETH on the BETH/ETH trading pair to exit your staking position quickly through the market.
Dual Investment
What Is Dual Investment?
Dual Investment is a structured financial product. You deposit one type of coin (e.g., BTC), and at expiry, depending on the settlement price relative to the target price, you receive either the original coin (BTC) or another coin (USDT), plus enhanced earnings.
In simple terms: you are trading potential price risk for higher interest income.
Key Operations
- On the Earn page, find "Dual Investment"
- Select a product type:
- Sell High: Deposit BTC. If the price at expiry exceeds the target price, you receive USDT (effectively selling BTC at a high price)
- Buy Low: Deposit USDT. If the price at expiry falls below the target price, you receive BTC (effectively buying BTC at a low price)
- Select the target price and expiry date
- Check the annual yield
- Enter the amount and confirm
Dual Investment is suited to users who have a clear directional view on a particular price level. If you were already planning to sell BTC at a certain price, Dual Investment lets you earn extra returns while waiting for that target to be reached.
Launchpool (New Token Mining)
What Is Launchpool?
Launchpool is Binance's new token farming program. By staking BNB, FDUSD, or other specified coins, you can earn tokens from upcoming new listings for free — essentially using your existing assets to "mine" new coins.
Steps
- Find the "Launchpool" entry point on the Earn page or the app home screen
- Check the currently active farming activities
- Select a staking pool (e.g., the BNB pool or the FDUSD pool)
- Enter the staking amount
- Confirm the staking
New token rewards are generated every hour during the staking period, and are automatically distributed to your Spot account when the event ends. Your staked principal can be withdrawn at any time.
Earn Product Yield Comparison
| Product Type | Typical Annual Return | Flexibility | Risk Level |
|---|---|---|---|
| Flexible Savings | 1%–5% | Deposit/withdraw anytime | Low |
| Locked Savings (30 days) | 3%–8% | Locked 30 days | Low |
| Locked Savings (90 days) | 5%–12% | Locked 90 days | Low |
| ETH Staking | 3%–5% | Unstaking period applies | Low–Medium |
| Dual Investment | 10%–50% | Has an expiry date | Medium |
| Launchpool | Variable | Flexible | Low |
Note: Yields vary with market conditions. The above data is for reference only.
Product Selection Guide
Short-term idle funds (may be needed at any time)
→ Choose Flexible Savings — deposit and withdraw freely without disrupting your plans
Medium-term idle funds (not needed for 1–3 months)
→ Choose Locked Savings for higher returns
Long-term ETH holdings
→ Choose ETH Staking — earn staking rewards while continuing to hold
Clear price expectations
→ Choose Dual Investment — earn enhanced returns while targeting a specific price
BNB holders
→ Watch for Launchpool events to earn free new tokens
Safety and Risk Notice
- Smart contract risk: DeFi-related products carry smart contract vulnerability risk; Binance's Simple Earn products are relatively safer
- Market risk: Even with funds in Earn, the underlying coin's price may still fall
- Liquidity risk: Locked products cannot be accessed during the lock-up period (or early redemption results in forfeited interest)
- Yield fluctuations: Annual yields are not fixed and are adjusted based on market conditions
- Read the product terms: Each product has its own rules — read them carefully before subscribing
Frequently Asked Questions
Q: When are Earn rewards distributed? A: Flexible savings rewards are distributed daily; Locked savings rewards are distributed at maturity. The typical distribution time is after UTC 00:00 (08:00 Beijing time).
Q: Are there quota limits on Earn products? A: Yes. Popular products (especially high-yield Locked savings products) frequently have limited quotas and require quick action. It is recommended to subscribe as soon as a product launches.
Q: Are there fees on Earn rewards? A: No fees are charged on Earn reward distributions. However, if you want to swap your Earn coins into another coin, standard trading fees apply.
Put your crypto assets to work rather than leaving them idle in your wallet. Even the simplest Flexible savings product can accumulate impressive returns over the long term.
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