Conclusion: Fixed Earn does not auto-renew at maturity. Principal and interest are returned to your account in one payment, not automatically rolled into the next term.
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This guide explains what happens to your funds after OKX Fixed Earn matures and the manual steps you need to take to keep earning.
Redemption rules for Fixed Earn
Once you subscribe to OKX Fixed Earn (Simple Earn Fixed), your funds cannot be redeemed early during the lock-up period. At maturity, principal and interest are paid out in one lump sum to your account, not automatically rolled into the next term.
Where your funds go after maturity
After maturity, the funds return to your funding account. To check: open the OKX App → [Assets] → [Funding Account] and see whether the balance of the relevant coin has increased. If you want to keep earning, you need to subscribe again manually. As long as the product still has quota, you only need to do it once.
Special extension situations
The official user agreement covers a special case: if the borrower does not repay on time at maturity, the fixed product term may be extended by up to 14 days. During the extension, interest is calculated at the extension rate. Principal and earnings are paid to your account only after the borrower repays.
High risk warning: in an extension, if the borrower ultimately cannot repay in full, the assets from liquidation may not be enough to cover your principal. There is a risk of losing part or all of the principal. Although OKX has a risk reserve mechanism, it is not an absolute principal guarantee.
How to verify maturity payment
After the maturity date, check [Assets] → [Funding Account] to confirm that principal + interest have arrived. If the funds are not credited on time, check whether the product is in an extension state, or contact support through the app Help Center.
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Next steps
After the funds arrive, if you want to continue earning, manually go to the [Earn] page and subscribe again to a fixed product or choose a flexible product. Flexible products allow redemption at any time, but yields are usually lower than fixed products.
