In today’s fast-evolving digital asset landscape, maximizing the value of idle crypto holdings has become a top priority for investors. One of the most effective and user-friendly ways to earn passive income on your cryptocurrency is through OKX Earn, particularly its Flexible Savings product — known as “Yu Bibao” in Chinese. This guide walks you through every step of using OKX’s Flexible Savings feature via the web platform, with a focus on USDT, one of the most widely used stablecoins.
Whether you're new to crypto earning platforms or looking to optimize your existing strategy, this tutorial delivers clear, actionable insights — all while maintaining security, flexibility, and ease of use.
What Is OKX Earn’s Flexible Savings?
Flexible Savings allows users to deposit supported cryptocurrencies and earn competitive interest rates daily, with full liquidity. Unlike fixed-term staking products, funds in Flexible Savings can be redeemed at any time without penalties, making it ideal for those who want to earn while retaining access to their capital.
The product automatically matches your idle assets with lending opportunities across OKX's ecosystem, ensuring consistent returns without requiring active management.
👉 Discover how to start earning interest on your crypto today.
Step-by-Step Guide: Using Flexible Savings on OKX Web
Step 1: Access the OKX Earn Page
Log in to your OKX account via the official website. Once logged in, navigate to the top-left corner and click on Finance (sometimes labeled as "Financial Services"). From the dropdown menu, select Earn. This will take you directly to the main Earn dashboard.
Here, you’ll see various earning options including Flexible Savings, Fixed Savings, DeFi Staking, and more. For this guide, we’ll focus on Flexible Savings — a perfect starting point for beginners and active traders alike.
Step 2: Select Your Cryptocurrency
Use the search bar to find the digital asset you'd like to deposit. In this example, we'll use USDT, but OKX supports multiple coins such as BTC, ETH, BNB, and others.
Click on USDT, then choose Flexible Savings (also referred to as "Yu Bibao"). After selecting the product, click Subscribe to begin the deposit process.
Step 3: Choose Between Simple or Advanced Mode
A pop-up window will appear where you can choose between two modes:
- Simple Mode: Ideal for beginners. Just enter the amount of USDT you wish to deposit and click Subscribe.
- Advanced Mode: Offers greater control. Here, you can set a minimum lending APY — meaning your funds will only be deployed if the current market rate meets or exceeds your threshold. This helps protect your earnings from rate drops during volatile periods.
Both modes are secure and non-custodial. Once confirmed, your funds start earning interest within hours.
👉 Start earning high-yield returns on your idle crypto assets now.
Step 4: Confirm Your Subscription
Before finalizing, review all details in the confirmation screen:
- The amount being deposited
- The selected mode (simple or advanced)
- Current estimated APY
- Agreement terms
Make sure to check the box confirming that you’ve read and accepted the service agreement. Then click Confirm.
You’ll receive an immediate success message, and your subscription will appear under the My Earned section.
Step 5: Monitor and Manage Your Investment
Go to the My Earn tab to view all active Flexible Savings positions. Click on your USDT savings entry to access detailed information such as:
- Total principal
- Daily and cumulative earnings
- Current APY
- Redemption options
You can also edit certain settings — for example, switching from simple to advanced mode or adjusting your minimum APY threshold — by clicking the Edit icon next to the position.
This level of customization ensures that you maintain full control over your earning strategy.
Step 6: Redeem Your Funds
When you’re ready to withdraw, simply click Redeem within your USDT savings panel. Enter the amount you’d like to redeem (you can choose partial or full redemption), then confirm the transaction.
After clicking Complete, your funds will be returned to your trading account. Note that redemption typically takes within 24 hours, though many withdrawals are processed much faster depending on network conditions.
There are no fees or penalties for early withdrawal — a key advantage of Flexible Savings over fixed-term products.
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These terms reflect common search queries related to earning returns on stablecoins and using OKX’s financial tools effectively.
Frequently Asked Questions (FAQ)
Q: Is OKX Flexible Savings safe?
Yes. OKX employs robust risk controls, including counterparty vetting and real-time monitoring of lending markets. While no investment is entirely risk-free, Flexible Savings uses conservative strategies to protect user capital.
Q: How often are earnings distributed?
Interest is calculated daily and credited to your account every 24 hours, typically at 00:00 UTC. Earnings are paid in the same currency you deposited (e.g., USDT).
Q: Can I lose money in Flexible Savings?
Under normal market conditions, principal protection is prioritized. However, extreme market volatility or systemic failures could impact returns. Always assess your risk tolerance before investing.
Q: Are there any fees for subscribing or redeeming?
No. OKX does not charge any fees for subscribing to or redeeming from Flexible Savings. However, standard network fees may apply if transferring funds externally.
Q: Does Flexible Savings support automatic compounding?
Currently, interest is paid out daily but not automatically reinvested. To compound returns, manually re-subscribe your earnings periodically.
Q: Why can’t I see my funds after redemption?
Redemption usually takes up to 24 hours. If funds haven’t arrived after that period, check your wallet address or contact OKX support for assistance.
Final Thoughts: Maximize Your Idle Crypto
With rising interest in passive income strategies, tools like OKX Earn’s Flexible Savings offer a powerful way to make your crypto work harder — even when you’re not actively trading. By following this step-by-step guide, you can confidently subscribe, manage, and redeem your USDT savings with ease.
Whether you're holding stablecoins for trading purposes or long-term investment, leaving them idle means missing out on potential gains. Flexible Savings bridges that gap — combining security, convenience, and competitive yields in one seamless experience.
👉 Turn your idle USDT into growing assets — start earning now.