Introduction to OKX Simple Earn Flexible and Its Rules

Published on Mar 1, 2023Updated on Aug 27, 20262 min read937
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OKX Simple Earn Flexible is a value-added service that allows users to deposit their crypto assets to earn market-based interest on an hourly basis, and withdraw their assets at any time The entire process is secured by our reliable risk management system so that users can earn profits while their assets are protected. For the avoidance of doubt, Simple Earn is not a principal-protected product.

Use of assets

Crypto assets from Simple Earn users will be pooled and loaned to borrowers on our platform (which may include borrowers under our loan programmes or margin traders). The interest paid by borrowers, after deducting fees, will be distributed to the Simple Earn subscribers. Our Simple Earn service currently only supports a limited list of crypto.

Subscription and redemption

  • Subscription

Lenders can subscribe at any time. Following subscription, their crypto will be locked in Simple Earn to act as a lending supply. Crypto will be lent to platform borrowers.

  • Redemption

Lenders can redeem their crypto at any time. The crypto to be redeemed will not participate in the next round of lending or generate returns for users for the current hour.

Rules for deposit limits

There is generally no deposit and redemption limit. OKX reserves the right to adjust the deposit and redemption limits based on the latest market developments and risks.

Interest rate setting and returns distribution

  • Returns calculation and distribution

For subscriptions processed on the hour T0, the hourly interest for the corresponding loan amount from T0 to T+1 will be distributed on the hour T+2.

Example: If you subscribe simple earn at 7:30 UTC, we’ll record your simple earn balance at 8:00 UTC. If there is any redemption happening from 8:00 UTC to 9:00 UTC, we will refresh the record to min(8:00 snapshot, remaining funds after redemption). The returns for simple earn from 8:00 UTC to 9:00 UTC will be distributed to you between at around 9:00 UTC.

  • Source and use of service fee

We reserve the right to charge a fee. Currently, OKX charges 15% of the accrued returns as a service fee, and the remaining 85% is distributed to you. OKX typically applies a portion of such funds to our internal security funds as part of our risk management procedures in the event of market disruptions.

Disclaimer
This content is provided for informational purposes only and may cover products that are not available in your region. It is not intended to provide (i) investment advice or an investment recommendation; (ii) an offer or solicitation to buy, sell, or hold crypto/digital assets, or (iii) financial, accounting, legal, or tax advice. Crypto/digital asset holdings, including stablecoins and NFTs, involve a high degree of risk and can fluctuate greatly. You should carefully consider whether trading or holding crypto/digital assets is suitable for you in light of your financial condition. Please consult your legal/tax/investment professional for questions about your specific circumstances. Information (including market data and statistical information, if any) appearing in this post is for general information purposes only. While all reasonable care has been taken in preparing this data and graphs, no responsibility or liability is accepted for any errors of fact or omission expressed herein. Both OKX Web3 Wallet and OKX NFT Marketplace are subject to separate terms of service at www.okx.com.

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