When you're on the Binance "Simple Earn" screen, where you can earn interest (APR – Annual Percentage Rate) by subscribing your idle crypto assets (like USDT, USDC, etc.) to Flexible or Locked savings.

🔍 Breakdown of What You're Seeing:

1. Simple Earn (Flexible products):

You earn passive income on your crypto, and you can withdraw anytime (unlike locked products).

2. Coins and APR (Estimated Annual Return):

USDT: Up to 6.93%

NEWT: 16.38%

USDC: 10.9%

XUSD: 12.33%

SAHARA: 41.12% (very high – may be high risk!)

FDUSD: 10.83%

AVA: 6.14%

3. Bonus Label:

These may offer temporary extra rewards or be part of a promo.

✅ What Should You Do Now?

✔️ Step-by-Step:

1. DYOR – Do Your Own Research

Never invest based on interest rates alone. Research what the token does (especially NEWT, SAHARA, etc. – they may be high-risk or low-liquidity).

2. Start with Stablecoins if You’re a Beginner

USDT, USDC, FDUSD are stablecoins – low risk, decent APR (6–10%).

Great for earning passive income without worrying about price volatility.

3. Tap a Token → Read Terms → Tap “Subscribe”

You’ll choose the amount to lock in.

No fees for flexible savings. Withdraw anytime.

4. Turn on Auto-Subscribe

Auto-renews your assets into the earn program to keep earning.

⚠️ Tips Before You Start:

High APR = High Risk: SAHARA's 41.12% may look tempting but research the project first.

Flexible = Safer Access: Good for testing out earning without being locked in.

Set small amounts first: Learn the system before going big.

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