We hold the final interpretation rights for the Simple Earn Flexible APR boost vouchers.FAQ1. Can the voucher be applied to my existing Simple Earn funds? Yes. Vouchers apply to your existing Simple Earn funds but only within the eligible quota. Simple Earn uses annual percentage rate (APR).2. Can I use multiple Simple Earn Flexible APR boost vouchers at the same time? Currently, only one Simple Earn Flexible APR boost voucher can be used per subscription.3.

If your minimum lending APR is equal to the market APR, your funds may either be partially loaned or not loaned at all. If your minimum lending APR is higher than the market APR, your funds will not be loaned at all for that hour, and you will not receive any interest. Please note that the minimum lending APR that a user may set is 1%.

Why am I earning below the minimum APR that I've set? When you lend out certain digital assets under Simple Earn, the final APR you earn may be lower than the minimum APR you've set. This happens when the borrowing pool is smaller than the eligible lending pool. Example: If your min lending APR is 5% and the borrowing interest rate is also 5%, your funds will be eligible for lending. With a borrowing pool of 1,000 USDT, the annual interest is 50 USDT.

For example: Interest accrual time: September 1, 2025, 08:00 UTC Expiration time: September 11, 2025, 08:00 UTC Then, you can redeem it at any time between: Start time: September 1, 2025, 08:00 UTC End time: September 11, 2025, 07:00 UTC5. When will my returns be credited to my Funding account? When sufficient liquidity is available, redemption proceeds will be credited to your account in real time. In other cases, proceeds will arrive no later than 08:00 UTC on the following day.6.

Fixed Term, Fixed APR: lend idle assets for a set term at a fixed interest rate. Enjoy consistent returns over a specific period, making financial planning more effective. Stable Interest: leverage the platform's advanced peer-to-peer matching system to earn stable interest effortlessly. This efficient system aligns lending and borrowing needs, helping you grow your wealth without active management.

You can earn up to 30% APR for 3 days when you subscribe to this product.Rules Savings Starter is only available for eligible first-time Earn users who have completed their identity verification through their master OKX account. You can only subscribe once to a Savings Starter product. You can redeem your crypto from Savings Starter at any time. However, if you redeem within the 3-day term, you will not receive any interest.

Loan x Earn Earn presents its users the opportunity to borrow and earn attractive APR via Simple Earn and On-chain earn. For risk-averse users, we recommend purchasing Earn products with crypto borrowed from Loan. To take OpenDAO as an example: assuming that the current APR for SOS is 70%, if you borrow 10,000 SOS from Flexible Loan with an interest rate of 5%, you will be able to receive 6,500 SOS by the end of the loan term (10,000 * 70% - 10,000 * 5% = 6,500).

Head over to Asset and select View all Select View all to view the list of staking tokens Select OKSOL from the list of liquid staking tokens Select OKSOL to view the details You'll be able to find out the Estimated APR and accumulated earnings View the APR under the Earnings section If you're wondering how you can use the on-chain earn, visit here.

You can customize your preferred minimum APR in the Min Lending APR field Read through the order summary and select the checkbox to agree with the user agreement Select Lend Now to complete the request Insert the subscription details to complete your orderOn the web Log in to your account at okx.com and select Grow > Simple Earn Search for your preferred crypto in the Search field Find your preferred flexible-term option from the available options and select Subscribe Select Subscribe at your preferred

Example: Loan amount: 1,000,000 USDT Term: 90 days Interest rate: 6% Overdue APR: 30% Overdue period: 9 hours 50 mins (will be rounded up to 10 hours) Overdue fee: 1,000,000 USDT x 30% x 10 / 24 / 365= 342.4658 USDT Total amount be repaid = Total interest + overdue interest = 15,136.9863 USDT6. Repayment6.1 Repay on maturity You can exercise manual repayment by sub-order level.

You earn daily interest based on the lending annual percentage rate (APR). The interest will be accrued daily and all interest will be credited to your funding account when the borrower repays. App Tab Explore > Simple Earn > Fixed Note: Fixed Term, Fixed rate : Lend out your idle funds at a fixed rate for a fixed term. Stable earnings: Earn interest effortlessly with peer-to-peer matching of lending and borrowing demands.

For example, if you placed an order with the following details: Interest accrual time: 09/01/2025, 08:00 UTC Expiration time: 09/11/2025, 08:00 UTC Then, you can redeem it at any time between: Start time: 09/01/2025, 08:00 UTC End time: 09/11/2025, 07:00 UTC4. What happens if I redeem my Dual Investment order early? When redeeming a Dual Investment product early, you may see the redemption amount on the page before confirming.

Rewards are calculated daily based on your minimum eligible balance during the previous day (ends at 11:59 PM UTC), using the following formula: Daily reward = Minimum eligible balance × (APR / 365) The minimum eligible balance refers to the lowest balance recorded in the previous 24 hours. Example 1: New deposit Assume the rewards rate is 5% APR.

Why is the APR different hourly? Our APR is calculated hourly based on market conditions. When you place a borrowed order, you'll see the current hour's APR as a reference. Your actual interest charge will be based on the next hour's market APR after your order is placed, and will continue to update each hour.6. Why can't I select the same currency for my collateral as my borrowing in the flexible loan?

Links created on or after January 1, 2026 will be assessed from the fourth calendar month upon link creation. Note: Links created before January 1, 2026, will continue to be assessed starting from the first day of the third calendar month after the link is created. Examples: A link created on August 1, 2026 will be assessed starting from November 1, 2026, and subsequently on the 1st day of each calendar month.