Flexible Earn is a product that allows you to deposit idle crypto assets and earn interest. You can subscribe and redeem at any time, enjoying both flexible liquidity and a competitive annual percentage rate (APR).

The return on Flexible Earn is calculated on an hourly basis, based on your effective holdings and the real-time APR. Formula: Hourly Return = Effective Holdings × Comprehensive APR ÷ 365 ÷ 24 Note: After subscription, interest accrual begins at the next full hour. For example, if you subscribe at 10:30, interest will start accruing at 11:00.

Returns for Flexible Earn are distributed once per day. All hourly returns accumulated during the previous day (UTC 00:00 to 23:59) will be automatically credited to your spot wallet at UTC 00:30 the next day.

You can redeem your Flexible Earn assets at any time, either fully or partially. •Crediting time: The redeemed principal and all interest earned up to the moment of redemption will be immediately credited to your spot wallet. •Interest rules: During the hour when a redemption occurs, the redeemed portion does not generate any interest. The remaining unredeemed assets are unaffected and will continue to accrue interest as usual. Example: If you redeem part of your assets at 15:30, that portion will not earn interest during the 15:00–16:00 period, with interest calculated only up to 15:00.

The Effective Investment Amount refers to the assets currently generating returns. Newly invested assets will become effective for interest calculation starting from the next hour. For example, if you invest 20,000 USDT at 10:00 (UTC) on April 8, 2026, your Effective Investment Amount will be updated at 11:00 (UTC) to ensure accurate return calculation.

To redeem your funds, please go to My Holdings on this page, and click Redeem on the product you want to redeem.