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Download APKFlexible vs Locked — Full Guide to Maximizing Passive Crypto Income
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Register on Binance ⬇ Download BNApp APKBinance Simple Earn is the platform's unified savings interface, launched to consolidate its older Flexible Savings and Locked Staking products into a single, user-friendly hub. Think of it as a high-yield savings account for cryptocurrency: you deposit idle assets, and Binance distributes daily interest straight to your Spot wallet.
As of 2026, Simple Earn supports over 200 assets including BTC, ETH, BNB, USDT, USDC, SOL, and dozens of altcoins. It's the easiest way to put your holdings to work without actively trading.
Simple Earn splits into two tracks:
Choosing between Flexible and Locked isn't just about APY. Liquidity needs, market outlook, and risk tolerance all factor in.
| Feature | Flexible | Locked |
|---|---|---|
| Lock Period | None (redeem anytime) | 7 / 30 / 60 / 90 / 120 days |
| Typical APY | 0.5% – 8% | 3% – 45%+ |
| Interest Distribution | Daily to Spot wallet | Daily (some) or at maturity |
| Early Redemption | Available instantly | Allowed but forfeits accrued interest |
| Best For | Emergency fund, trading capital | Long-term holders, stablecoins |
| Auto-Subscribe | Yes | Optional |
| Minimum Amount | As low as 0.001 BTC | Varies by asset |
APY rates change daily based on market conditions and liquidity demand. The table below reflects typical ranges observed in early 2026. Always check live rates in the Binance app before subscribing.
| Asset | Flexible APY | Locked APY (30d) | Locked APY (90d) |
|---|---|---|---|
| USDT | 2% – 5% | 6% – 12% | 8% – 18% |
| USDC | 2% – 5% | 5% – 11% | 7% – 16% |
| BTC | 0.5% – 1.5% | 1.5% – 4% | 2% – 6% |
| ETH | 0.5% – 2% | 2% – 5% | 3% – 8% |
| BNB | 1% – 3% | 3% – 8% | 5% – 12% |
| SOL | 0.5% – 2% | 2% – 6% | 3% – 10% |
| Altcoins (high) | 5% – 15% | 15% – 45%+ | 20% – 60%+ |
Note: Altcoin locked APYs can be very high but carry higher volatility risk. The APY is paid in the same asset you deposit.
Subscribing to Binance Simple Earn takes under 2 minutes. Here's how:
Download the BNApp if you haven't. Log in to your verified account. If you're new, register with code BNAPP for fee discounts.
From the home screen, tap [Finance] → [Earn] → [Simple Earn]. You'll see two tabs: Flexible and Locked.
Search for your asset (e.g., USDT, BTC). Tap on a product to see the full APY, minimum amount, lock term, and distribution schedule. Compare Flexible vs Locked rates side by side.
Enter how much you want to subscribe. The app shows your estimated daily and annual earnings in real time. Review terms, check the auto-subscribe toggle if desired, then tap [Subscribe].
Go to [Portfolio] → [Earn] to see your active positions, accrued interest, and total earnings history. For Flexible, tap [Redeem] anytime. For Locked, the option appears at maturity (or early redemption forfeiting interest).
Keep 70% of your USDT/USDC in a 30-day locked product at 10–15% APY. Keep 30% in flexible for buying-the-dip opportunities. Rotate locked positions every month to capture promotional rates that Binance frequently offers for new locked subscriptions.
If you're holding BTC or ETH for 1+ years, put them in 90-day locked products and auto-renew. Even at 3–6% APY, you compound your holdings without selling. The locked APY does not require you to sell the underlying asset.
High-APY altcoin locked products (20–60%+) can be lucrative but require conviction in the asset. Only lock altcoins you'd hold anyway. The interest is paid in the same coin, so a price drop erodes total dollar value regardless of APY earned.
Enable Auto-Subscribe on your Flexible position. Interest earned each day is automatically re-subscribed, creating compound growth. Even a 3% APY on $10,000 compounds to ~$304.55 over a year vs. $300 simple interest.
Register with code BNAPP and download the app. Available for Android via direct APK — no region restrictions.
Create Account → BNAPP ⬇ Android APK DownloadBinance Simple Earn is a unified earning hub where you can subscribe flexible (anytime redemption) or locked (fixed-term) products to earn daily interest on crypto holdings. It replaced the older Savings and Staking interfaces.
Flexible products are low risk — your funds sit in your account and can be withdrawn any time. Locked products carry commitment risk (you can't sell the locked asset before maturity without forfeiting interest). Overall, Binance is the largest, most-regulated crypto exchange globally, but all crypto investments carry some level of platform and market risk.
For Flexible: interest is calculated on your daily average subscribed balance and distributed every day at 00:00 UTC. For Locked: interest accrues daily on your locked amount and is distributed daily (or all at maturity, depending on the product). Rates are expressed as Annual Percentage Yield (APY).
You will not earn negative interest — the APY is always ≥ 0. However, if the underlying asset's market price drops significantly while your funds are locked, your USD-denominated value will decrease. The APY earned doesn't offset large price declines.
Minimums vary by asset and product. For most stablecoins (USDT, USDC), the minimum is as low as 1 USDT. For BTC, typically 0.001 BTC. Check the specific product in-app before subscribing.
Use referral code BNAPP at registration (binance.com/register?ref=BNAPP) to receive up to 20% lifetime fee discount on all trades, plus eligibility for new-user bonus campaigns including Simple Earn promotions.
Yes. If you hold BNB and enable fee payment in BNB, you receive an additional 25% discount on trading fees. Combined with the BNAPP referral code discount, your effective fee can drop to a fraction of standard rates.
Binance Simple Earn availability varies by country. For users in regions where the official app is restricted, download the APK directly: BNApp APK. Always comply with local regulations.
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