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Download APKUpdated: April 7, 2026
📱 Download Binance App (Referral Code: BNAPP)Binance Earn is the all-in-one yield platform from the world's largest crypto exchange. It aggregates Flexible Savings, Locked Staking, Launchpool, Dual Investment, ETH Staking, and more — covering users across every risk tolerance and liquidity need.
In 2026, as the crypto market enters a fresh cycle, Binance Earn products continue to deliver competitive APYs. Whether you're a conservative saver or an aggressive yield-seeker, there's a product tailored for you.
Flexible Savings offers the highest liquidity on Binance Earn — deposit and withdraw anytime, with daily interest credited automatically.
| Asset | APY Range | Min Deposit | Redemption |
|---|---|---|---|
| USDT | 3.5% – 6.0% | None | Instant |
| USDC | 3.0% – 5.5% | None | Instant |
| FDUSD | 4.0% – 6.5% | None | Instant |
| BTC | 0.5% – 1.5% | 0.0001 BTC | Instant |
| ETH | 1.0% – 2.5% | 0.001 ETH | Instant |
| BNB | 1.5% – 3.0% | 0.01 BNB | Instant |
Flexible Savings rates fluctuate with market lending demand. During peak bull markets, stablecoin APY can briefly spike above 8-10%. Keep idle stablecoins in Flexible Savings to generate passive income with virtually zero risk.
Locked products pay higher rates in exchange for a fixed lock-up period (7, 14, 30, or 90 days). Principal and interest are returned automatically at maturity.
| Asset | 7-Day APY | 30-Day APY | 90-Day APY |
|---|---|---|---|
| USDT | 5.0% | 6.5% | 8.0% |
| BNB | 5.5% | 7.0% | 9.0% |
| BTC | 1.0% | 2.0% | 3.5% |
| SOL | 4.0% | 5.5% | 7.0% |
Launchpool lets you stake BNB or FDUSD to earn free new tokens from upcoming Binance listings. It's the highest-potential yield product on the platform.
Dual Investment is a structured yield product. You choose a target price and expiry date, and earn a guaranteed high APY regardless of market direction.
| Product | Target Offset | APY | Tenor |
|---|---|---|---|
| BTC/USDT Buy Low | -5% | 15% – 25% | 1-7 days |
| BTC/USDT Sell High | +5% | 15% – 25% | 1-7 days |
| ETH/USDT Buy Low | -8% | 20% – 40% | 3-14 days |
| BNB/USDT Sell High | +10% | 25% – 50% | 7-30 days |
Stake ETH on Binance to earn Ethereum network validator rewards. You receive WBETH (liquid staking token) which can be traded or used in DeFi for additional yield.
| Item | Details |
|---|---|
| APR | 3.5% – 5.0% |
| Min Stake | 0.001 ETH |
| Rewards | Daily distribution |
| Redemption | ~3-5 business days |
| Liquid Token | WBETH (tradeable) |
BNB is the most versatile asset on Binance Earn, offering multiple overlapping yield strategies.
| Product | APY | Notes |
|---|---|---|
| BNB Flexible Savings | 1.5% – 3.0% | Instant redemption |
| BNB 30-day Locked | 5.0% – 7.0% | Fixed term |
| BNB 90-day Locked | 7.0% – 9.0% | Highest fixed rate |
| BNB Launchpool | 20% – 100%+ | New token rewards |
| BNB Dual Investment | 15% – 50% | Structured product |
| Product | APY Range | Risk | Liquidity | Best For |
|---|---|---|---|---|
| Flexible Savings | 3% – 6% | Very Low | Instant | Everyone |
| Locked Staking | 5% – 9% | Very Low | At maturity | HODL investors |
| ETH Staking | 3.5% – 5% | Low | 3-5 days | ETH holders |
| Launchpool | 20% – 300% | Medium | Campaign duration | Active BNB holders |
| Dual Investment | 15% – 50% | Medium-High | At expiry | Experienced traders |
Click below to download the latest Binance APK directly — no app store required.
📥 Download Binance APK (Latest Version)Open the app, tap Register, enter your email or phone number, and enter BNAPP in the referral code field. This unlocks fee discounts and exclusive new user rewards.
Go to Profile → Verification and upload your government-issued ID. Approval typically takes 1-3 hours. KYC is required to access all Earn products.
Deposit via P2P trading (buy USDT with local currency) or transfer crypto from another wallet or exchange.
Navigate to Finance → Earn. Based on your goals:
The highest potential APY comes from Launchpool, which can exceed 100-300% annualized during popular new token launches. For stable yields, BNB 90-day Locked offers ~7-9%, while USDT Flexible Savings yields ~4-6%.
Flexible and Locked Savings are among the safest crypto yield products — your principal is protected and returns are paid in kind. Launchpool and Dual Investment involve market risk. Always start small and understand each product before committing large amounts.
Interest is calculated at UTC 00:00 each day and credited to your account shortly after. You can view the daily credit history in your Earn rewards log.
Yes — Launchpool stakes are not hard-locked. You can unstake BNB or FDUSD at any time, though you'll stop earning new token rewards once unstaked.
When you stake ETH on Binance, you receive WBETH (Wrapped Beacon ETH) — a liquid representation of your staked ETH. WBETH can be sold on spot markets or used in DeFi protocols, giving you staking rewards plus additional liquidity compared to directly locking ETH.
For most users, a diversified Earn approach works best:
Always use referral code BNAPP when signing up to reduce your fee burden and maximize net returns.
📱 Download Binance App & Start Earning (Code: BNAPP)Sign up with referral code BNAPP for lifetime fee rebate