In today’s fast-evolving digital asset landscape, simply holding cryptocurrencies isn’t always enough. Smart investors are turning to crypto yield-generating platforms to make their idle assets work harder. Among the leading platforms offering flexible and secure financial services, OKX stands out with a comprehensive suite of products designed to help users earn passive income through various low- and high-yield strategies.
Whether you're new to crypto finance or looking to diversify your earning methods, OKX provides accessible tools such as Flexible Savings (Yu Bibao), Locked Staking, DeFi Participation, and advanced options like Dual Investment (Dual Currency Earnings). These services allow users to generate returns on their digital assets with varying levels of risk, commitment, and reward.
👉 Discover how you can start earning daily returns on your crypto holdings today.
Flexible Earnings with Yu Bibao (Flexible Savings)
One of the most user-friendly ways to earn interest on idle crypto is through Yu Bibao, OKX’s flexible savings product. Designed for convenience and accessibility, Yu Bibao allows users to deposit and withdraw funds at any time while earning daily interest—perfect for those who want liquidity without sacrificing returns.
Key Features:
- No minimum deposit: Start earning even with small amounts.
- Daily interest accrual: Profits are distributed every 24 hours.
- Instant redemption: Access your funds whenever needed.
- Supports multiple assets: Including USDT, BTC, ETH, and more.
How It Works
Subscription Process
Navigate to the Wealth section in the OKX app → Select Yu Bibao → Search for your preferred coin (e.g., USDT).
Enter the amount you wish to invest and set a minimum annualized lending rate. If left blank, the system automatically matches you with the best available rate.The platform uses an hourly auction model based on supply and demand. Offers with lower minimum rates get priority. If your set rate is below or equal to the current market rate, your funds will be successfully lent out.
- Redemption Process
Go to Assets → Financial Account → Select your Yu Bibao position → Click Redeem → Confirm the amount.
Once processed, both principal and accumulated interest are transferred back to your funding account.
💡 Note: Interest is only calculated for holdings above 0.0001 units per asset. Below this threshold, no yield is generated.
Maximize Returns with Locked Staking
For users willing to lock up their assets for a fixed period, Locked Staking offers higher, predictable yields with minimal risk. This service enables participation in blockchain consensus mechanisms like Proof-of-Stake (PoS), where users delegate their tokens to validator nodes and earn rewards in return.
Why Choose Locked Staking?
- Higher APY than flexible options
- Low-risk exposure
- Automated reward distribution
- Simple one-click participation
Getting Started
- Open the Earn tab on OKX.
- Select Locked Staking.
- Browse available projects (e.g., ETH2.0 staking, ATOM staking).
- Choose a term and confirm your subscription.
Your rewards accumulate over time and are paid out upon maturity or periodically, depending on the project.
👉 Learn how locking your crypto for short terms can boost your annual returns significantly.
Tap Into Decentralized Finance (DeFi) Easily
Decentralized Finance (DeFi) has revolutionized traditional financial systems by enabling permissionless lending, borrowing, trading, and yield farming via smart contracts. However, navigating DeFi can be complex and costly due to gas fees and technical barriers.
OKX simplifies this with its DeFi Service, allowing users to participate in top-tier protocols like Aave, Compound, and SushiSwap—all from a single interface.
Benefits of Using OKX DeFi Service:
- Zero platform fees
- Gas fee coverage by OKX
- No need for external wallets
- One-click investment
This service removes the complexity typically associated with DeFi while maintaining security and transparency.
How to Participate:
- Go to the Earn section.
- Tap DeFi.
- Choose a supported project.
- Subscribe with your desired amount.
You’ll begin earning yields directly from protocol incentives and transaction fees—all without touching a wallet or paying gas.
Unlock Advanced Strategies: Dual Investment (Dual Currency Earnings)
For experienced investors seeking higher returns with calculated risk, Dual Investment leverages options-based mechanics to offer attractive fixed-yield opportunities.
This product allows you to earn premium returns by committing to receive either a stablecoin or a volatile asset (like BTC or ETH) at maturity, depending on market conditions.
How It Works:
- Invest using BTC, ETH, or USDT.
- Choose a strike price linked to BTC/ETH market indices.
- Earn a pre-defined yield at purchase.
- At expiry, settlement occurs in one of two coins based on whether the market price is above or below the strike price.
This strategy is ideal for users who have a directional view of the market or are comfortable receiving either asset.
Example: You invest USDT in a BTC-USDT Dual Investment plan. If BTC’s price at expiry is above the strike price, you receive BTC at a discount. If it's below, you still earn high interest in USDT.
While not principal-protected, this product offers potentially superior returns compared to fixed deposits.
Frequently Asked Questions (FAQ)
Q: Are OKX financial products safe?
A: OKX employs robust risk management protocols, including multi-layered security infrastructure and partner vetting for third-party DeFi integrations. However, always assess product-specific risks—some offerings are non-principal-guaranteed.
Q: Can I withdraw my staked assets early?
A: Most locked staking products do not support early redemption. Funds are typically released only after the lock-up period ends.
Q: How often is interest paid out?
A: Flexible savings pay interest daily. Locked staking and DeFi rewards vary by project—some distribute weekly or monthly, others upon maturity.
Q: Is there a minimum investment for DeFi participation?
A: No. OKX’s DeFi service has low entry barriers, allowing even small investors to participate without additional fees.
Q: Does Dual Investment require market prediction skills?
A: While having a market outlook helps optimize outcomes, the product always delivers strong yields regardless of settlement type—making it suitable for strategic investors.
Q: Are there hidden fees?
A: OKX charges no fees on DeFi participation and minimal fees on other products clearly disclosed upfront.
Final Thoughts
With a diverse range of financial tools—from flexible savings and staking to DeFi access and advanced dual-income strategies—OKX empowers users to maximize returns across different risk profiles and investment horizons.
Whether you’re holding stablecoins or major cryptocurrencies like Bitcoin and Ethereum, there’s a way to put your idle assets to work.
By combining ease of use, strong security, and innovative financial engineering, OKX continues to lead as a go-to platform for global crypto investors seeking sustainable growth in 2025 and beyond.