The main rule for picking a term is simple: choose Flexible for money you might need soon, and Fixed for idle money to get higher yields. The two products have completely different redemption rules, so make sure you understand them before subscribing.
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How to Choose the Term
Flexible products have no lock-up period, and you can redeem at any time. Earnings come from lending your funds to margin traders. This is suitable for money you may need to use soon, or if you want to test the process with a small amount.
Fixed products lock your funds for a set period (e.g., 30 days). You cannot redeem during the lock-up. The yield is usually higher than Flexible. This is suitable for idle funds you are sure you won't need before the term ends.
Step 1: Go to the Subscription Page
In the OKX App, tap [Assets] - [Earn], then enter the Simple Earn page. Use the search bar to find the coin you want to subscribe to (beginners should try USDT or USDC first).
Step 2: Choose a Term and Enter Amount
After finding the product, in the "Term" section you can choose Flexible or Fixed. For Flexible, just select "Flexible". For Fixed, choose the number of days (e.g., 30 days). Enter the subscription amount. You can also set a "Minimum annualized yield" – if the market rate falls below this value, your funds may not be lent out and will not generate earnings.
Step 3: Submit Subscription
Check the user agreement box, then click "Subscribe" to complete. For fixed-term orders, funds are only locked and begin earning interest after they are successfully matched with borrowing demand.
How to Redeem Flexible
Go to [Assets] - [Earn], find your Flexible Simple Earn order, tap "Order Management" or "Redeem". Enter the amount to redeem, choose to redeem to "Funding Account" or "Trading Account", confirm and submit. Flexible redemptions arrive instantly.
Important Notes for Fixed Term Redemption
Fixed term products require you to wait until the lock-up period ends. Early redemption is not supported. If you urgently need the money, you must wait. Before subscribing to a Fixed term, be sure you will not need these funds during the lock-up period.
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Common Reasons for Failure
- If you selected "Auto-Renew" when subscribing to Fixed term, your funds will automatically roll into a new lock-up period after maturity, so you may find them locked again when you try to withdraw.
- When redeeming Flexible, if your funds are being used as margin for futures or margin trading, you need to close those positions first before you can redeem.
- If the "Minimum annualized yield" you set is higher than the market rate, your funds may never be lent out, and you will earn no interest.
We recommend first trying a small Flexible subscription with USDT (e.g., 50 USDT) to experience the full process of subscribing, checking earnings, and redeeming. Once you confirm that redemptions are instant, you can consider Fixed terms or larger amounts.
