First, check which product type you hold. Binance Simple Earn flexible and locked products have completely different interest calculation and reward distribution rules.
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Flexible product earnings consist of two parts: Real-Time APR and Bonus Tiered APR, and they are paid at different times.
Real-Time APR earnings accrue every minute. Rewards are added directly to your Earn Wallet every minute—not to your Spot Wallet. Open your Earn account to see the balance growing. Binance will not send you a notification every minute.
Bonus Tiered APR rewards are slower. Interest starts accruing at 00:00 UTC on the day after you subscribe. Rewards are then paid to your Spot Wallet on the following day (subscription day + 2) between 00:00 and 08:00 UTC. So for flexible products, you will see this part of the reward no sooner than two days later.
Locked products pay rewards daily, and the rules are similar to Bonus Tiered APR. Interest starts accruing at 08:00 (UTC+8) on the day after you subscribe. Rewards are paid to your Spot Wallet on the following day (subscription day + 2) between 08:00 and 16:00 (UTC+8).
Quick reference: reward distribution by product
| Product type | When interest starts | Reward distribution time | Where rewards go |
|---|---|---|---|
| Flexible (Real-Time APR) | Starts immediately after subscription, accrues every minute | Accumulates every minute | Earn Wallet |
| Flexible (Bonus Tiered APR) | Starts at 00:00 UTC on the day after subscription | Next day after interest starts (2 days after subscription), 00:00-08:00 UTC | Spot Wallet |
| Locked product | Starts at 08:00 (UTC+8) on the day after subscription | Next day after interest starts (2 days after subscription), 08:00-16:00 (UTC+8) | Spot Wallet |
Why do you feel you have not received your rewards?
Real-Time APR rewards are not in your Spot Wallet: Flexible product Real-Time APR earnings accumulate in your Earn Wallet. You will not see them in your Spot Wallet. Go to your Earn account to see your earnings growing.
Locked products have a two-day delay: Subscribe today, interest starts tomorrow, and rewards reach your Spot Wallet the day after tomorrow. If weekends or holidays are involved, the actual arrival may take one or two extra days.
APR is variable: The page shows an annualized yield rate, not a fixed number. Real-Time APR can change every minute, and the system reassesses the APR for locked products once every 24 hours.
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How to check and verify your rewards
In the app, go to Earn → Simple Earn → History. Filter by "Real-Time APR rewards" or "Bonus Tiered APR rewards" to see each payment record and its arrival time. If a record shows the reward was paid but you do not see it in your Spot Wallet, check whether it is a "Real-Time APR reward" (in your Earn Wallet) or a "Bonus Tiered APR reward" (in your Spot Wallet).
