Passive Income Options on Binance
Binance offers several ways to earn yield on your crypto holdings.
1. Simple Earn (Flexible)
What: Deposit crypto and earn daily interest. Withdraw anytime.
| Asset | Est. APY |
|---|---|
| USDT | ~2-3% |
| BTC | ~0.5-1% |
| ETH | ~2-3% |
| BNB | ~1-2% |
Best for: Funds you might need quickly.
2. Simple Earn (Locked)
What: Lock crypto for 30-120 days for higher yields.
| Asset | 30 Days | 90 Days | 120 Days |
|---|---|---|---|
| USDT | ~4% | ~5% | ~6% |
| BTC | ~1.5% | ~2.5% | ~3% |
Best for: Long-term holders who want higher yields.
3. ETH Staking
Stake ETH and receive WBETH (wrapped staked ETH):
- APY: ~3-4%
- WBETH is tradeable — no need to wait for unstaking
- No minimum stake amount
4. Launchpool
Stake BNB, USDT, or other tokens to farm new token rewards:
- Campaigns run 7-30 days
- APY varies (sometimes 10-50%+)
- New token distributions
5. Dual Investment
What: Commit to buy or sell crypto at a target price by a target date.
- Higher APY than simple earn (5-30%+)
- Risk: You may end up buying/selling at the committed price
Comparison
| Product | APY Range | Risk | Lockup |
|---|---|---|---|
| Flexible | 1-3% | Very low | None |
| Locked | 3-6% | Low | 30-120 days |
| ETH Staking | 3-4% | Low | None (WBETH) |
| Launchpool | 5-50%+ | Low-Medium | 7-30 days |
| Dual Investment | 5-30%+ | Medium | Fixed |
Tips
- Start with flexible savings — deposit idle USDT/BTC
- Lock only what you won’t need
- Check Launchpool weekly for high-yield opportunities
- Auto-subscribe to flexible savings for maximum compounding
- Don’t chase highest APY — understand the risks first
2 min read
Before you create an account
A final signup check, before any first trade
Binance must display SmallDrift, RATE20, and the 20% fee discount in its signup flow. If it does not, do not assume the offer will be applied after account creation.
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