What is Flexible Savings?
CoinEx Flexible Savings is a low-risk crypto financial product that allows for flexible subscription and redemption. By subscribing to Flexible Savings products using your idle assets, you can earn a stable daily income.
Why choose CoinEx Flexible Savings?
1. Flexible access: You have full control over your funds, allowing you to subscribe or redeem at any time without any limitations. Redeemed funds are instantly credited to your Spot account.
2. Compound interest: Daily interest is automatically credited to the Earn account, with subsequent earnings added to the principal for calculation in the next cycle.
3. Low risk and stable returns: The yields of underlying assets are pegged to CoinEx’s borrowing interest rates for Margin Trading and Loans, with additional subsidies from CoinEx to ensure controlled volatility.
Flexible Savings Rules
1. Subscription rules
(1) Minimum subscription amount: The minimum subscription amount varies by coin. Please refer to the minimum subscription amount displayed on the subscription page.
(2) Subscription effective time: Interest income begins accruing at the next full hour after subscription (e.g., if subscribed at 0:10, interest income starts accruing at 1:00).
(3) Fund status: Subscribed assets remain in your account and do not affect trading, but must be redeemed on the “Flexible Savings” page.
2. Interest calculation
(1) Calculation: Hourly interest income = Subscription amount × APY ÷ 365 ÷ 24
For example, subscribing to Flexible Savings with 10,000 USDT at a 5% APY would yield hourly earnings of approximately 0.057 USDT.
Note: Your earnings are based on a tiered interest rate subsidy. Take BTC as an example (Please check the current APY on the page.)
- For the portion 0-0.01 BTC: calculated at an APY of 11.06%
- For the portion above 0.01 BTC: calculated at an APY of 1.06%
(2) Compound effect: Daily interest income is automatically added to the principal, accruing compound interest the following day.
3. Source of income
| Source | Proportion |
| Interest income from Margin Trading and Loans | Majority of the income |
| CoinEx subsidies | Applicable to certain coins See specific coin for details |
4. Earning distribution
(1) Time: Earnings for the previous day are credited daily at 00:10 (UTC), based on accumulated hourly earnings from the previous day.
(2) Requirement: Earnings are credited only if your Earn Account balance is greater than 0. If your assets are fully redeemed, no earnings will be credited.
Note: Earnings are accumulated hourly and credited the next day. Due to system precision limits, hourly earnings under eight decimal places will not be distributed.
5. Redemption rules
(1) Arrival Time: After redeeming, the assets will be instantly credited to your Spot account and become available for trading, withdrawal, and other uses. Redeemed assets will no longer generate interest.
(2) Redeeming requirement: After each redemption, the remaining balance of that coin in your Earn account must be greater than or equal to the minimum subscription amount; otherwise, a full redemption is required.
For example, if the minimum subscription amount for BTC is 0.001 and you hold 0.005 BTC in your Earn account, you can redeem up to 0.004 BTC (leaving 0.001 BTC in your Earn account) or redeem the full amount.
🔗 Explore More