Bybit Easy Earn: Maximize your earnings with Flexible and Fixed options
Bybit Easy Earn is a collection of new investment products designed to make earning on your digital assets simple and accessible. It offers a clear, user-friendly interface so users can manage different savings options in one place. Easy Earn features three main product types — Flexible Term, Fixed Term and Fixed Rate Loan — that cater to a range of investor preferences, from low-commitment flexibility to fixed-duration plans. The platform also integrates Megadrop, a rewards program that offers extra incentives for participating in certain Fixed Term products.
Easy Earn aims to help users put their idle funds to work with competitive yields and straightforward management tools, all within the Bybit App. Whether you want the freedom to withdraw your funds anytime or prefer locked-in returns, Easy Earn provides options to suit your investment needs.
In this article, we’ll explain the product options within Bybit Easy Earn, show you how they work and guide you through Bybit’s latest offering for earning passive yield on your crypto assets.
Key Takeaways:
Bybit Easy Earn offers flexible, fixed and fixed-rate loan products tailored to different investment preferences, balancing liquidity, predictability and yield potential.
Flexible Terms suit those valuing liquidity and ease, while Fixed Terms benefit investors seeking stable, guaranteed returns. In addition, Fixed Rate Loans appeal to users comfortable with lending risks for potentially higher yields.
What is Bybit Easy Earn?
Bybit Easy Earn is a straightforward way to earn passive income on your idle crypto funds. It’s designed with low entry barriers so that anyone can start putting their digital assets to work. Easy Earn offers three main product types to fit different needs and preferences: Flexible Term, Fixed Term and Fixed Rate Loan. Each product has its own structure and benefits, allowing you to choose the best way to grow your holdings based on how much control and commitment you prefer.
Flexible Term products
Easy Earn’s Flexible Term product provides a simple and accessible option for earning on your crypto with no lockup periods. You can invest your digital assets and start earning competitive daily yields that are automatically calculated and credited to your account. The yield is generated hourly based on the amount and type of asset you have invested and credited every day at 12:30 AM UTC.
A key feature of Flexible Terms is that you can redeem your assets at any time — no waiting, no penalties. Selected assets can be batch-redeemed in full to your Funding Account, allowing you to redeem up to 10 assets at a time quickly and conveniently. This Batch Redeem function is exclusive to Flexible Term products.
Flexible Term products use a tiered APR system whereby the initial portion of your investment earns the highest rates. For instance, for investments of less than 200 USDT, you can earn an additional 5% APR, while any amount exceeding 200 USDT will give you the basic APR. You can check the specific tier thresholds and current APR rates for each asset within your Bybit account.
Another essential feature is the APR Booster, an optional add-on when purchasing Flexible Term products, which increases your APR by a certain percentage. For example, if your product plan has a 100% APR, and you select a 10% APR Booster, your cumulative APR becomes 110%. The booster’s yield is capped and remains effective until it expires or the cap is reached. Meanwhile, the cumulative APR will apply by default if you make multiple purchases with an active APR Booster.
Additionally, the Auto-Earn function is available to Flexible Term product users. When Auto-Earn is enabled, it automatically invests your selected idle funds into Flexible Term products, allowing you to earn interest without manual action.
Fixed Term products
Fixed Term products differ from Flexible Term ones in that they offer a guaranteed, fixed APR and a set investment duration. Once you buy a Fixed Term plan, its terms are locked in, meaning both the investment period and interest rate won’t change. At the end of the term, your principal and the earned yield are automatically credited to your Funding Account. This product is most suitable for users who prefer predictable returns and are comfortable locking their assets for a specific period.
Yields for Fixed Term products come from Bybit’s loan activities and Wealth Management strategies, executed by third parties using advanced trading on Bybit Derivatives and Spot markets. The investment period and APR are clearly defined up front, providing fixed and stable returns as compared to Flexible Terms.
A helpful option within Fixed Term products is Bybit Megadrop Easy Earn — a special fixed-term product tagged with Megadrop in your account’s user interface. By subscribing to Megadrop products, you not only earn interest, but also accumulate points toward prize pools for newly listed coins. The longer your investment term, the higher the rate at which you earn points. You can track your earned points and campaign rules on the Megadrop campaign page.
VIP-only Fixed Term products are also available for Bitcoin (BTC) and Tether (USDT). VIP users benefit from exclusive offerings, including the ability to redeem their assets earlier than the official settlement date. Non-VIP users can view these VIP products, but the recommended product display may differ between VIPs and non-VIPs.
Fixed Rate Loan products
The Fixed Rate Loan product under Easy Earn connects your deposits directly with existing borrowing orders at fixed interest rates. Unlike the two product varieties above, this product functions more like a lending service, as your investment is matched to loans on Bybit’s platform. The interest rates vary depending upon the available borrowing orders at the time you place your investment.
Your Fixed Rate Loan order starts accruing interest when it’s successfully matched with borrowing orders. If matched with multiple loans, each portion of your investment begins earning at different times, and interest is calculated proportionally based on how long each match lasts.
It’s important to note that your Fixed Rate Loan order isn’t guaranteed to be fully matched or successful. If the borrowing demand/quota is full, or your order isn’t matched within 15 minutes, your principal will be returned to your account. Partial matches are possible, and unmatched amounts will be returned promptly.
Note that early redemption isn’t allowed for Fixed Rate Loan products. You must hold your investment until maturity in order to access your principal and earned interest.
How does Bybit Easy Earn work?
Flexible Term
With Flexible Term products, your yields are generated continually every hour. The system calculates interest based on the exact amount and type of your assets invested, ensuring you earn according to the current market rates. This dynamic APR updates every hour to reflect market conditions and asset performance, and the accumulated yield is credited daily to your Funding Account at 12:30AM UTC.
You can withdraw your invested funds at any time, without penalties or waiting times. However, when you redeem your assets, you forfeit any yield for the hour in which redemption occurs, because yield calculations pause immediately upon withdrawal. This setup guarantees you retain full liquidity and control over your funds, making Flexible Term ideal for users who prioritize access and flexibility.
Flexible Term supports a Batch Redeem feature that allows you to simultaneously redeem multiple assets (up to 10). This enhances convenience and streamlines your portfolio management.
While Flexible Term itself doesn’t automatically reinvest yields, Bybit’s Auto Earn feature enables compounding by automatically reinvesting your yield into Flexible Term products once they meet the minimum threshold.
Auto Earn runs daily at 10AM UTC, and can be customized per coin or applied universally to all supported assets. It stops reinvestment automatically when your investment reaches predefined limits, which helps you maximize returns without manual intervention. An optional APR Booster can be added during purchase to increase your base APR. The booster is capped, and remains valid either until expiration or when the yield cap is reached. If you hold multiple Flexible Term products with boosters, the yield cap applies cumulatively across all of them.
Fixed Term
Fixed Term products operate on a locked schedule with fixed APRs and fixed investment durations set at purchase. Once you commit, your principal and interest are inaccessible until the term matures, ensuring predictable returns without exposure to APR fluctuations. Yield calculation starts the day after investment and accumulates daily, but is only credited along with your principal when the term ends.
Interest generation comes from Bybit’s loan activities and third-party Wealth Management strategies, which employ advanced trading across Bybit’s Derivatives and Spot markets. These strategies aim to deliver stable yields corresponding to the fixed APR, regardless of market volatility during the term.
Unlike Flexible Term products, Fixed Term products generally don’t allow early redemption. Some select Fixed Term plans may offer early exit options, but this is rare and must be confirmed per product. Holding until the end of the term is recommended in order to receive full principal and accrued interest.
Compounding isn’t supported in Fixed Term, and yields are paid out in full only at term completion. To reinvest your earnings, you must manually subscribe to new products after the end of the product’s term.
Because investments are locked, Fixed Term products suit users seeking stable, guaranteed income over a defined period, thus sacrificing liquidity for consistent returns.
Fixed Rate Loan
Fixed Rate Loan orders work by matching your deposited funds to outstanding borrowing requests on Bybit’s lending platform. A successful order depends upon available quotas for your chosen token and APR. The order-matching process lasts up to 15 minutes: if the order is fully or partially matched, the matched portion starts accruing interest immediately from the time of match, while any unmatched amount is returned after the timeout.
Matches can be single or multiple, each with distinct start times and proportional interest calculations. You can track each match’s status and accrued interest in real time via your account dashboard, which provides you with transparency and control over your investments.
Orders aren’t guaranteed to be successful, as high demand or exhausted quotas can cause failure or partial matches. If an order goes unmatched, your principal is safely returned without penalties.
Early redemption is strictly prohibited in Fixed Rate Loan products. Your funds remain locked until the term matures, reflecting a lender-borrower commitment with fixed terms and no early withdrawal options.
This product is a good fit for investors who prioritize fixed interest rates and predictable income streams, and are willing to accept both the risk of lower liquidity and the possibility that an order will remain unfilled.
Closing thoughts
Bybit Easy Earn’s three product types suit different investor profiles and goals. Flexible Term is best for those who want hassle-free, anytime access to their funds while still earning competitive yields — perfect if you value liquidity and flexibility. Fixed Term appeals to investors who prefer stable, predictable returns, and are comfortable locking their assets for a set period to maximize earnings.
Meanwhile, Fixed Rate Loan products fit users who are willing to commit their funds fully and accept the risk of partial matching in exchange for potentially higher fixed interest rates. Deciding which of these product types is best for you depends upon your risk tolerance, investment horizon and cash flow needs. Regardless of your preferences, Bybit Easy Earn provides an excellent environment for managing your idle assets over a short-term period, or building your long-term crypto savings plan.
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