Many people think you can only make money on crypto exchanges by trading — that's not true. Binance offers multiple passive income products that let your crypto assets earn while you sleep. Register a Binance account now to explore various passive income opportunities. Remember to get the Binance APP to check your earnings anytime.
Binance Earn Overview
Binance Earn is Binance's collection of financial products, covering various products with different risk levels and yields. Think of it as a "bank wealth management" platform for the crypto world, except you deposit crypto instead of fiat currency.
In the Binance APP's "Earn" section, you'll see a range of product options. Based on your risk appetite and liquidity needs, you can choose different products to invest in.
Flexible Savings
Flexible savings is the most basic passive income method, similar to a bank demand deposit. You deposit crypto and earn interest daily, with the ability to withdraw at any time — no lock-up period.
Annual yields for flexible savings generally range from 1% to 5%, depending on the token and market conditions. While the yield isn't particularly high, the advantage is flexibility and convenience. If you have idle assets you don't plan to trade, putting them in flexible savings is much better than leaving them in your trading account earning nothing.
Major tokens like BTC, ETH, and USDT all support flexible savings. Subscribing is very simple — find the corresponding token on the Earn page, click "Subscribe," and enter the amount.
Fixed-Term Savings
If you can commit to not using certain assets for a set period, fixed-term savings offers higher yields than flexible savings. Common lock-up periods include 30, 60, 90, and 120 days.
Fixed-term annual yields are typically 2 to 5 percentage points higher than flexible savings. For example, USDT flexible savings might yield around 2% annually, while 90-day fixed-term savings could reach 5% to 7%.
Note that fixed-term savings cannot be redeemed early during the lock-up period (or early redemption forfeits interest), so only use funds you're certain you won't need in the short term.
ETH Staking
If you hold ETH, you can participate in Binance's ETH staking. After staking ETH, you'll receive BETH or WBETH tokens as staking certificates while continuously earning staking rewards.
ETH staking annual yields typically range from 3% to 5%. This yield comes from Ethereum's Proof of Stake consensus mechanism — genuine network rewards, not extra interest paid by Binance.
Launchpool Mining
Launchpool is Binance's new token mining platform. Simply stake BNB, USDT, or other assets in a designated pool to receive newly launching tokens for free.
Launchpool essentially uses your assets to provide liquidity support for new projects, and in return you receive new tokens. This approach carries relatively low risk — your staked principal doesn't decrease; it's just unavailable during the lock-up period. If the new tokens perform well after listing, it's pure bonus income.
Dual Investment
Dual Investment is a product with both higher risk and higher returns. In simple terms, you choose a target price and expiry date. If the market price reaches the target at expiry, your assets are converted at the target price; if not, you keep your original assets and earn interest.
Dual Investment annual yields can reach 10% or more, but the risk is that in highly volatile markets, you might have your assets passively converted at an unfavorable price. It's suitable for intermediate users with some market judgment ability.
Auto-Invest / Yield Aggregation
Binance also has an auto yield aggregation feature that automatically allocates your idle assets to the highest-yielding products. You don't need to research each product's yield and conditions — the system optimizes allocation for you.
This feature is especially suited for users who don't want to spend much time managing their finances — just enable it and the system runs automatically.
Risk Disclaimer
While these products are called "passive income," that doesn't mean they're risk-free. The price volatility of crypto itself is the biggest risk — even if you earn 5% interest through savings, if the token price drops 20%, you're still at an overall loss.
It's recommended to participate using stablecoins like USDT to avoid price volatility risk, or only use crypto assets you already plan to hold long-term, treating the earnings as bonus income during your holding period.