Earn overview
Flexible Savings is a yield-generating product that combines automated earnings, intelligent fund allocation, and seamless integration with trading.
You can separately enable or disable Flexible Savings for each crypto. Once enabled, eligible trading account funds will automatically subscribe to Flexible Savings and start earning. The system will automatically subscribe and redeem funds according to your trading activity. Interest will be paid out hourly for subscribed funds.
Flexible Savings balance can be used as trading margin and will have the same discount rate as spot funds. Redemptions may be affected by the lending conditions of the liquidity pool, but subscriptions and redemptions don't affect your initial margin ratio or maintenance margin ratio, so overall risk management won't be affected by liquidity conditions.
Benefits of Flexible Savings
Subscribe automatically and redeem instantly
- After you enable Flexible Savings for a crypto, any idle funds in your trading account are automatically subscribed and start earning interest.
- If you make a trade or transfer funds out, the system automatically redeems the required amount.
- Your funds keep earning when idle, while remaining fully available when you need them.
Seamless use in spot trading
- When buying or selling, the system prioritizes using idle funds in your account. If insufficient, the system automatically redeems Flexible Savings balance to complete the trade.
- Funds will be automatically redeemed when required as you trade, so the experience will be no different to using regular balance.
Smart borrowing for leveraged trading
- Borrowing is only triggered when a crypto's idle funds and Flexible Savings balance have been used up, so you won't simultaneously borrow while subscribing to Flexible Savings.
Contract margin optimizations
- Flexible Savings balance can be used as margin, with the same discount rate as spot assets.
- To prevent users from earning interest while also paying borrowing costs under negative unrealized PnL, the system reduces the portion eligible for earnings generation by the amount of the unrealized loss.
- To reduce the risk of redemption failure when closing a position with unrealized losses, the system pre-redeems an equivalent amount from Flexible Savings to the trading account on an hourly basis, ensuring funds are available in time.
Subscription rules
- After you manually enable Flexible Savings for a specific crypto, your assets will automatically be subscribed at the next hour.
- Subscriptions are only supported if your account maintenance margin ratio is below 80%.
- Unrealized profits from futures trading can't be used for subscriptions, and unrealized losses will be reduced by a corresponding amount
- Unrealized profits from futures trading can't be used for subscription, while unrealized losses will reduce the amount available for subscription.
- The minimum subscription amount is linked to the crypto price:
| Price range | Minimum subscription (USDT) |
| Price ≥ 1,000 | 0.001 |
| 100 ≤ Price < 1,000 | 0.01 |
| 10 ≤ Price < 100 | 0.1 |
| 1 ≤ Price < 10 | 1 |
| Price < 1 | 10 |
The above data and indicators may be adjusted in real time according to market conditions.
- Each crypto's fund pool is managed separately, and the subscription limit per user per crypto is 10% of that pool.
Redemption rules
Automatic redemption
- When you withdraw funds or place spot, margin, or futures trades, the system automatically redeems the required Flexible Savings balance.
- If the available idle balance is already sufficient, no redemption is triggered.
Redemption speed and liquidity
- Intelligent scheduling and liquidity management ensure redemptions are instant in most cases, with no impact on trading.
- Under normal conditions, funds are available immediately after redemption.
Limits and delays
- In extreme market conditions such as tight pool liquidity or large concentrated redemptions, delays may occur.
- Redemption requests for trading and liquidation are prioritized.
- Non-urgent redemptions may be processed in later batches.
Risk mitigation
- The system continuously monitors pool liquidity and may pre-redeem funds to the trading account in advance. This ensures users with negative unrealized PnL can close positions without delay.
Interest rules
- Floating interest rate: Flexible Savings is a floating-yield product. The APY adjusts with market supply and demand, mainly driven by pool liquidity and borrowing demand.
- Interest-earning principal: Calculated based on the account's average holdings in the previous hour. This amount is used for interest accrual and distribution.
- Earnings settlement: Earnings are settled hourly. Each hour, interest is calculated using the current APY and credited to the user's trading account, generating compound returns.
- Rate display and history: You can view earnings and rate details in User center > Flexible Savings history > Earnings.
Core concepts
To help you better understand Flexible Savings, the core terms have been summarized as follows:
| Field name | Definition | Calculation formula | Example |
| Balance | Funds subscribed by the user into Flexible Savings. | Sum of subscription and redemption transactions | User auto subscribes 100 USDT and the balance increases by 100 USDT. |
| Frozen | Portion of Flexible Savings balance frozen due to pending spot/margin orders. | min(frozen amount, balance) | User deposits 1 BTC and places a sell order for 0.4 BTC and the frozen amount is 0.4 BTC. |
| Interest-earning principal | Portion of the balance that generates interest. | Balance − Frozen | User deposits 1 BTC and 0.4 BTC is frozen so the interest-earning principal is 0.6 BTC. |
| Current APY | Reference rate used for hourly interest distribution. | Calculated based on lending demand for each token. | Principal = 10,000 USDT, APY = 10%. Hourly earnings ≈ 10,000 × 10% / (365 × 24) = 0.1142 USDT |
| Est. earnings for period | Estimated interest for the next hour. | Principal × APY / (365 × 24) | -- |
Example
| User action | Equity | Liability | Flexible Savings | ||||
| Balance | Frozen | Interest-earning principal | Current APY | Est. earnings for period | |||
| 10,000 | 0 | 10,000 | 0 | 10,000 | 10% | 0.1142 |
| 10,000 | 0 | 10,000 | 4,000 | 6,000 | 10% | 0.0685 |
| 8,000 | 2,000 | 10,000 | 4,000 | 6,000 | 10% | 0.0685 |
| 8,000 | 2,000 | 8,000 | 4,000 | 4,000 | 10% | 0.0457 |
| 8,000 | 2,000 | 8,000 | 0 | 8,000 | 10% | 0.0913 |
| 9,000 | 1,000 | 8,000 | 0 | 8,000 | 10% | 0.0913 |
| 9,000 | 1,000 | 9,000 | 0 | 9,000 | 10% | 0.1027 |
| 9,000 | 0 | 9,000 | 0 | 9,000 | 10% | 0.1027 |