If your OKX Earn product has not shown any yield for a while, it is usually stuck at the "not yet matched with a borrow order" step, or your subscription amount did not meet the "minimum interest threshold."
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What to check
From subscription to seeing yield, check the interest start time and minimum thresholds step by step to find out why your yield is zero.
Step 1: Confirm whether your funds have been lent out
OKX Simple Earn funds do not start earning immediately after subscription. They start earning only after they are successfully matched with market borrowing demand.
How to check: Open the OKX app → Assets → Funding account or Finance account, find the relevant Simple Earn order, and check its status.
What to look for: If the status is "Earning" or similar, your funds have been matched and interest has started. If the status is "Pending lending" or "Matching", your funds are not matched yet and temporarily earn no yield.
Step 2: Confirm the order matching progress
Even after a successful subscription, if your funds are still waiting in line for borrowers, no yield will be generated. Your order may simply be waiting in the borrowing demand pool, rather than the system being broken.
If the status is "Pending lending", interest only starts after the funds are matched.
Your lending order may be split into multiple sub-orders. The interest start time for each sub-order depends on when its matched borrowing order is fully filled.
Step 3: Check whether you have reached the minimum interest amount
Some products have a minimum amount for interest calculation. For example, in "Savings", if the amount of a certain coin is less than 0.0001, no interest is earned. A yield of 0 may simply mean the amount is too small for the system to display any earnings.
Step 4: Check the interest calculation and payout time windows
Different products follow different rules. For flexible Simple Earn, interest is settled hourly and automatically reinvested at the top of each hour: funds you lend in the current hour earn interest that is paid out in the next hour. Example: if you subscribe at 7:30, matching starts at 8:00. If the loan succeeds between 8:00 and 9:00, interest is paid out between 9:00 and 10:00.
For fixed-term Simple Earn, interest is calculated daily, and the principal plus all interest is paid to your funding account in one payment when the term ends.
Risk notice: In Simple Earn there is an extreme case of borrower default. If the borrower cannot fully repay on time, the term may be extended by up to 14 days, and interest is calculated as "extended yield" during the extension. If the borrower still cannot repay in the end, the liquidation proceeds may not cover the principal, and there is a risk of losing part or all of your principal. Although the platform has risk controls, this means a yield of zero may only be a surface problem; protecting your principal is the bottom line.
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Completion standard
In the Funding account or Finance account, confirm that the order status is "Earning" and that the cumulative yield starts changing. If the status remains "Pending lending", your funds have not yet started earning yield.
