With the Trade Lend Earn program you choose between two plans: fixed or flexible. Both pay daily interest in the same coin — the difference is in the rate, the commitment and the availability. This guide helps you choose the plan that fits.
Key takeaways
- Fixed plan: 3% p.a., guaranteed for the first 12 months, then a fair market-standard rate.
- Flexible plan: 2.5% p.a. variable, with full availability — withdraw on request.
- Both pay daily in the same coin and reinvest automatically. The asset price risk remains.
The difference in one sentence
The fixed plan trades commitment for a higher rate that is guaranteed for 12 months. The flexible plan trades a slightly lower, variable rate for full availability. Which fits better comes down to how firmly you want to commit your coins.
What both plans share
Before the differences, the common ground: both plans work on the same principle.
- Interest accrues daily and is credited in the same coin you deposited.
- Each credit is reinvested automatically, so your balance compounds.
- Both plans are available for BTC, ETH, SOL, XRP, BNB and LTC.
- Your coins remain yours and can be withdrawn on request.
The figure shown is the fiat value
Interest is credited in the respective crypto asset. So you can gauge the value, we also show the projected earnings as a US-dollar figure. That figure depends on the current price and can fluctuate.The fixed plan: 3% p.a.
The fixed plan offers 3% p.a., guaranteed for the first 12 months. After those twelve months the rate is adjusted to fair, market-standard conditions. What is guaranteed is the interest rate — not the price of your asset. The plan suits you if you plan to hold the coins for the longer term anyway and value certainty over the rate in the first year.
In favour of the fixed plan
- Higher rate: 3% p.a. instead of 2.5% p.a.
- The rate is guaranteed for the first 12 months.
- Certainty over the interest rate in the first year.
To consider
- Designed around a fixed term — less flexible than the flexible plan.
- After 12 months the rate is adjusted to a market-standard level.
- As with any plan, the asset price risk remains.
The flexible plan: 2.5% p.a.
The flexible plan offers 2.5% p.a. at a variable rate, with no fixed term. You can withdraw your coins at any time on request. The plan suits you if maximum availability matters more than the last half percentage point of return — for example because you may need short-term access to your coins.
In favour of the flexible plan
- Full availability: withdraw at any time on request.
- No fixed term, no commitment.
- Also paid daily and reinvested automatically.
To consider
- Lower rate: 2.5% p.a. instead of 3% p.a.
- Variable rate — it can move with the market.
- As with any plan, the asset price risk remains.
Fixed and flexible compared
| Criterion | Fixed plan | Flexible plan |
|---|---|---|
| Interest rate | 3% p.a. | 2.5% p.a. |
| Rate character | Guaranteed for 12 months, then market-standard. | Variable. |
| Term | Fixed term. | Open-ended, no fixed term. |
| Availability | Designed around the term. | Withdraw at any time on request. |
| Payout | Daily, in the same coin, reinvested. | Daily, in the same coin, reinvested. |
| Price risk | Remains. | Remains. |
To see how the two rates play out over a year, take an example deposit worth $10,000 with daily compounding: roughly $10,253 on the flexible plan and roughly $10,305 on the fixed plan. The figures are estimates of the fiat value; payout is made in the respective asset.
Your decision in three questions
- How long will I hold the coins?
- If you plan to hold the coins for the longer term anyway, the guaranteed rate favours the fixed plan.
- How much does availability matter?
- If you want to be able to access your coins at short notice, the flexible plan offers the most room.
- Do I even have to choose?
- No — you can split your coins across both plans and combine rate with availability.
Compounding works on both
Because both plans pay daily and reinvest automatically, the actual return over a year is slightly above the nominal rate. For how much, see the guide on compounding in the Earn program.What neither plan removes
Neither the fixed nor the flexible plan changes the price risk of your asset. The guaranteed rate applies to the interest paid in your coin, not to its fiat value. If the price falls, the US-dollar equivalent of your balance can decline despite the interest credited. Earn adds an ongoing return — it does not make an investment risk-free.
Your deposited coins remain yours and can be withdrawn on request. We apply institutional-grade custody architecture and operational security practices. In exceptional cases interest crediting may be temporarily suspended — your coins are unaffected and remain withdrawable.
How to start
Model both rates free and without an account in the Earn calculator. To open a position, sign in to the portal. For how the Earn program works overall, see the Earn program guide. If you want liquidity without selling rather than a return, see the comparison in crypto loan or Earn.
Frequently asked questions
The fixed rate of 3% p.a. is guaranteed for the first 12 months. After that it is adjusted to a fair, market-standard rate. What is guaranteed is the interest rate, not the price of the asset — the fiat equivalent can move with the market.
The fixed plan is designed around a fixed term and offers the guaranteed rate in return. If you need maximum availability, the flexible plan is the better fit. For a specific request, contact support.
You can split your coins across both plans — for example part fixed for a guaranteed rate and part flexible for availability. The plans are independent of each other.
Yes. Both plans pay interest daily in the same coin you deposited and reinvest it automatically, so your balance compounds.
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