OKX Earn Simple Earn Flexible Updates
To enhance the Simple Earn Flexible experience and simplify the subscription process, OKX will update the product’s subscription mechanism from 27 August 2026.
This update applies to both existing and new Simple Earn Flexible subscriptions and may affect your APR. See below for details.
What is changing?
After the update:
The minimum lending APR field will no longer be displayed when users subscribe to Simple Earn Flexible.
Users will no longer need to submit lending orders based on a self-selected minimum APR.
References to minimum-APR bidding and related lending-status rules will be removed.
How this may affect your Simple Earn Flexible APR
Interest collected from borrowers will be distributed pro rata among all eligible subscriptions for each crypto. Removing the minimum lending APR setting expands the eligible pool to include subscriptions that were previously ineligible. As a result, your APR may increase or decrease and may not match the highest rate you could otherwise have obtained through an individually matched lending order.
Users should refer to the product information and APR displayed on the Simple Earn page when considering a subscription.
For existing Simple Earn Flexible subscribers:
If you currently have an active Simple Earn Flexible subscription with a self-selected minimum lending APR, that setting will no longer apply from 27 August 2026. Specifically:
If your Digital Assets were not previously earning returns (because your selected minimum APR was higher than the prevailing market rate), they will become eligible to earn returns from the effective date — even though the market rate may remain below your previously selected minimum.
If your Digital Assets were already earning returns, they would continue to do so, but the rate may change. Simple Earn Flexible already calculates and distributes returns on a pooled basis — the interest collected from borrowers is shared pro rata across all eligible subscriptions for that crypto, rather than paid only if successfully matched. Because removing the minimum APR setting brings a larger pool of subscriptions (including previously ineligible subscriptions) into the shared eligible pool, your APR may go up or down, and will not necessarily match the highest rate you might otherwise have obtained by lending individually rather than through the shared pool.
No action is required. The updated mechanism will apply automatically to existing subscriptions from the effective date.
You can redeem your Simple Earn Flexible subscription at any time before or after the update if you do not wish to continue on these terms, subject to the Simple Earn User Agreement.
How Simple Earn Flexible works
Simple Earn Flexible enables users to earn hourly returns by making their crypto assets available for lending. 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.
The availability of supported crypto assets may vary. Simple Earn Flexible is not a principal-protected product.
Simple Earn Return calculation and distribution
Simple Earn returns will continue to be calculated and distributed hourly.
The estimated hourly return is calculated as follows:
Hourly return = Simple earn subscribed amount × Earn APR ÷ 365 ÷ 24 × 85%
OKX currently charges a service fee equal to 15% of accrued returns. The remaining 85% is distributed to the user.
For example, if a user subscribes at 7:30 am UTC, the applicable Simple Earn balance will be recorded at 8:00 am UTC. Returns for the period from 8:00 am to 9:00 am UTC will generally be calculated using the lower of:
The balance recorded at 8:00 am UTC; or
The remaining subscribed balance following any redemption made during that period.
The corresponding return will generally be distributed at approximately 9:00 am UTC.
Subscription and redemption
Users may generally subscribe to and redeem Simple Earn Flexible assets at any time, with redeemed assets returned to their account in real time.
In rare circumstances where an affected crypto lending pool is fully utilized or market liquidity is extremely limited, OKX may temporarily limit or suspend redemptions. Any such restriction will be reviewed hourly and adjusted when liquidity conditions permit.
Assets submitted for redemption will not participate in the next lending period or generate returns for the applicable hour.
How to access Simple Earn Flexible
On the OKX app:
Open the OKX app.
Go to Explore > Simple Earn.
Select a supported crypto and a flexible-term product.
Enter the subscription amount and select the source of funds.
Review the order information and applicable terms.
Select Lend now.
On the OKX website:
Sign in to your account at OKX.com.
Go to Grow > Simple Earn.
Select a supported crypto and locate the relevant flexible-term product.
Select Subscribe.
Enter the subscription amount and review the applicable terms.
Select Lend now.
OKX reserves the right to amend, suspend or terminate this update, or modify its terms, at any time and without prior notice where permitted under applicable laws and regulations.This announcement is provided for informational purposes only. It does not constitute investment, financial, legal or tax advice, or an offer or recommendation to buy, sell or hold any digital asset. Digital assets involve significant risks and may fluctuate substantially in value. Simple Earn is not a principal-protected product. Product availability and features may vary by jurisdiction. Users should carefully assess their financial circumstances and risk tolerance before participating.
OKX team
August 26, 2026