Bybit Easy Earn: Maximize your earnings with Flexible and Fixed options

Bybit Easy Earn is a collection of investment products designed to make earning on digital assets simple and accessible. It offers Flexible Term products for liquidity and Fixed Term products for a defined investment period and fixed APR. Fixed Rate Loan (Supply) is available within selected Fixed Term products, where supplied assets are matched with borrower demand at fixed rates and terms.

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. This article explains how Flexible Term and Fixed Term work, how yield and redemption are handled and where Fixed Rate Loan (Supply) fits within the product structure.

Key takeaways:

• Bybit Easy Earn offers Flexible Term and Fixed Term products for different liquidity needs and investment horizons.

• Flexible Term products calculate yield hourly and allow redemption at any time, while Fixed Term products lock the APR and duration.

• Fixed Rate Loan (Supply) is available within selected Fixed Term products and may remain partially or fully unmatched until executed or canceled.

What is Bybit Easy Earn?

Bybit Easy Earn is a straightforward way to earn passive income on idle crypto assets. It offers two main structures: Flexible Term for users who want access to their invested assets and Fixed Term for users who prefer a locked APR and duration. Selected Fixed Term products use Fixed Rate Loan (Supply) as a source of yield.

Flexible Term products

Flexible Term products have no lock-up period. Yield begins accruing from the next full hour after you invest and is calculated hourly using the effective investment amount and floating APR. Accrued yield is credited daily to your Funding Account at 12:30AM UTC.

You can redeem Flexible Term assets at any time. Batch Redeem also lets you redeem up to 10 selected assets in full to your Funding Account in one action.

Flexible Term products may use tiered APRs, so different portions of an investment can earn different rates. The tiers, limits and estimated APRs vary by asset and are shown on the order page before you invest.

Eligible users can apply an APR Booster voucher to a Flexible Term investment. The voucher adds a specified APR for a limited duration or until its yield boost limit is reached, whichever comes first. After the voucher ends, the investment continues earning the standard estimated APR.

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 lock the APR and investment duration when you invest. Your principal and yield are automatically credited to your Funding Account on the distribution date. Some plans support early redemption with reduced or no APR, so check the product terms before subscribing.

Fixed Term yields may come from Savings loan activities, Wealth Management strategies or Fixed Rate Loan (Supply). Availability, duration and redemption conditions vary by product, but the APR and term are fixed when you invest.

Some Fixed Term products distribute yield in one or more tokens that differ from the subscribed asset. The order page shows the yield assets, combined estimated APR, term and distribution date before you invest.

You can invest in some Fixed Term products from either your Unified Trading Account or Funding Account, depending on the product. Fixed Term products labeled Fixed Rate Loan support only the Funding Account.

Fixed Rate Loan (Supply) within Fixed Term

Fixed Rate Loan (Supply) is one source of yield for selected Fixed Term products. You can choose an existing order or create a custom supply order with your preferred interest rate, duration and amount. The system automatically matches custom supply orders with compatible borrow orders.

The system checks compatible orders every minute. If a borrower is willing to pay a higher rate, that match is prioritized and the supplier earns interest at the borrower’s rate after the platform management fee.

Full Fill orders execute only when the entire amount is available. Partial Fill orders may execute in part, while any unmatched amount remains open until it is matched or canceled.

Once a supply order is matched, the rate and term are fixed. The supplier receives principal and interest at the end of the loan term or when the overdue period concludes.

How does Bybit Easy Earn work?

Flexible Term

Flexible Term yield begins accruing from the next full hour after you invest. It is calculated hourly using the effective investment amount and floating APR, then credited daily to your Funding Account at 12:30AM UTC.

You can redeem invested assets at any time. No yield is generated for the hour in which redemption occurs, and yield stops accruing on the redeemed amount. This flexibility may suit users who expect to need access to their assets.

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 enabled for individual coins or all supported assets. Automatic investments stop when the configured limit is reached. If an APR Booster voucher is available, its additional APR applies until the voucher duration or yield boost limit is reached.

Fixed Term

Fixed Term products use an APR and investment duration that are set when you invest. Yield begins accruing the next day, and the principal and yield are credited to your Funding Account when the product matures. Some products may support early redemption with lower or no APR, subject to the terms shown on the product page.

Fixed Term yields may come from Savings loan activities, Wealth Management strategies or Fixed Rate Loan (Supply). The product page shows the yield source, APR, term and redemption conditions before you invest. Assets generally remain invested until a Fixed Term product matures. Some products support early redemption with lower or no APR, so review the conditions shown on the product page before investing.

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 generally locked until maturity, Fixed Term products suit users who value a defined APR and term and can accept reduced liquidity.

Fixed Rate Loan (Supply) within Fixed Term

Within selected Fixed Term products, Fixed Rate Loan (Supply) lets you supply assets to fixed-rate borrowing orders. You can select an existing order or create a custom supply order with your preferred rate, duration and amount.

The system checks compatible borrow and supply orders every minute. If a borrower accepts a higher rate, the system prioritizes that match and the supplier earns interest based on the borrower’s rate after the platform management fee.

Choose Full Fill if the order should execute only when the full amount is available. Choose Partial Fill to allow part of the order to execute; any unmatched amount remains open until it is matched or canceled.

After a supply order is matched, its interest rate and term are fixed. The supplier receives principal and interest at the end of the loan term or when the overdue period concludes.

This option suits users who are comfortable committing funds for a fixed term and with the possibility that a supply order may remain unmatched.

The bottom line

Bybit Easy Earn offers two main structures for different investment goals. Flexible Term provides access to invested assets at any time, while Fixed Term locks the APR and duration to provide more predictable returns. Fixed Rate Loan (Supply) is available within selected Fixed Term products for users who want to supply assets at fixed rates and terms. The right option depends on your liquidity needs, investment horizon and risk tolerance.

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