Binance Earn is a suite of financial products on Binance that allows you to earn interest on your cryptos passively. Here are the main options available :
1. Simple Earn
➡️ Concept : Deposit your cryptos and earn interest (like a savings account).
➡️ Two types of deposits :
• Flexible : You can withdraw your funds at any time, but the returns are lower.
• Fixed : Your funds are locked for a specified period (7, 30, 60, 90 days or more), but the interest rate is higher.
➡️ Example : You deposit 100 USDT in Simple Earn locked for 60 days at a rate of 5% annually. After 60 days, you recover your USDT + earned interest.
2. Staking (Locked and Flexible)
➡️ Concept : Delegate your cryptos to the blockchain (proof of stake) and earn rewards.
➡️ Types of staking :
• Flexible Staking : Withdrawal at any time, lower interest rate.
• Locked Staking : Funds locked for a defined period (15, 30, 60 days, etc.), more attractive rates.
➡️ Example : If you stake 10 SOL on Binance for 30 days with an annual yield of 6%, you receive about 0.05 SOL in interest at the end of the month.
3. Auto-Invest (DCA)
➡️ Concept : Regular automatic investment to accumulate cryptos in the long term.
➡️ Operation : You define an amount and a frequency (e.g. 50 USDT per week in BTC). Binance automatically buys for you.
➡️ Advantage : Reduces the impact of volatility by buying at different prices (DCA strategy – Dollar Cost Averaging).
4. BNB Vault
➡️ Concept : A specific program for BNB that combines several methods to maximize gains (staking, farming, lending, etc.).
➡️ Advantage : Optimized yield for BNB holders with flexible withdrawal options.
5. Liquidity Farming & Dual Investment
➡️ Liquidity Farming : Provide liquidity to pools and earn transaction fees + rewards.
➡️ Dual Investment : More advanced product where you place your cryptos with a target price to sell or buy in the future (potentially higher yield but with a risk of not recovering the initial capital).
Conclusion
Binance Earn offers different solutions tailored to your risk level and investment horizon. If you want to keep flexibility, choose Simple Earn Flexible. If you are ready to lock your cryptos for better returns, Simple Earn Locked or Staking are good options.