Simple Earn Flexible FAQ

Published on Aug 4, 2025Updated on Oct 29, 20263 min read30

This information may not apply to all customers

to check if the products, features, rules, and terms in this article apply to you.

1. What is Simple Earn Flexible?

Simple Earn Flexible is a flexible-term product that lets you earn hourly return by lending out your crypto to Flexible Loan and margin trading users. Lending and redemption are supported 24/7.

2. How are earnings calculated for Flexible Simple Earn?

The formula for calculating hourly lending earnings in Flexible Simple Earn is: Hourly Lending Earnings = Amount Lent × Annualized Yield ÷ 365 ÷ 24 × 85%

If you are eligible for an additional subsidized annualized yield, the platform first helps earn the market-based yield provided by borrowers (subject to a 15% service fee). On top of this, a subsidy is applied to reach the total subsidized annualized yield; this subsidy portion is not subject to the 15% service fee.

Example: You subscribe 1,000 USDT in Flexible Simple Earn. The market interest rate is 5%, and you are eligible for a subsidy on 500 USDT at a subsidized rate of 10%.
Your 1,000 USDT will first earn the 5% market interest rate (Hourly Lending Earnings = 1,000 × 5% ÷ 365 ÷ 24 × 85%). Additionally, the 500 USDT portion will be topped up to reach the 10% rate (Subsidy Earnings = 500 × (10% - 5%) ÷ 365 ÷ 24).
Note: Earnings are settled hourly and automatically reinvested at the start of every hour.

3. When will I start earning?

Returns for funds lent out within any given hour will be distributed to you in the next hour.

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 record 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.

4. Are there any risks associated with Simple Earn?

Although this is a low-risk product, customers are advised to participate reasonably based on their own risk tolerance. The platform is equipped with multiple risk control systems and security technologies, dedicated to safeguarding user' asset security.

Flexible products support instant subscription and redemption, with funds returned to your account in real time.
For fixed-term products, you have to wait until the lock-up period ends before you can redeem.

If you choose to invest idle assets in Simple Earn when creating a spot grid strategy, you need to stop the corresponding grid strategy before automatic redemption occurs.

6. Where can I check my return from Earn?

You can check via Assets > Earn > Earn Analysis or Main menu > Earn > Yesterday's earnings

7. Under what circumstances is the Bonus option not visible?

If you don't see the Bonus, it may be because your account doesn't yet meet the eligibility requirements. You can check the announcement for detailed participation rules.

8. Why is my redemption restricted?

On the rare occasion that a crypto pool has been fully lent out, redemption of the affected crypto may be restricted.

These restrictions may include a temporary limit or suspension of redemption, and they’ll be reviewed every hour.

9. Are the earnings from "Simple Earn" flexible products automatically compounded?

Yes, earnings from "Simple Earn" flexible products are calculated and distributed on an hourly basis. If a user does not redeem their assets, the earnings distributed from the previous hour will be added to the principal, and this new total will be used to calculate earnings for the following hour.

Disclaimer
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.

© 2026 OKX. This article may be reproduced or distributed in its entirety, or excerpts of 100 words or less of this article may be used, provided such use is non-commercial. Any reproduction or distribution of the entire article must also prominently state: “This article is © 2026 OKX and is used with permission.” Permitted excerpts must cite to the name of the article and include attribution, for example “Article Name, [author name if applicable], © 2026 OKX.” No derivative works or other uses of this article are permitted.

Disclaimer: Many pages on this website including, without limitation, our terms of service, product descriptions, announcements, blogs, and FAQs, have been translated using machine translation. OKX makes reasonable efforts to provide an accurate translation, however, no automated translation is perfect.

The official text for all documents on this website is English. While we have provided translated documents as a convenience to our Users, you recognize that these documents may contain discrepancies from the English version. Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes. In the event that any question arises with respect to the accuracy of the information contained in the translated documents, please note that the English version of those contents is the official version and will supersede any translation.