OKX's 4 major products help you earn passive income
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OKX's 4 major products help you earn passive income
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Navigating Web3 tides with focused insightsBitcoin experienced a deep pullback during the Chinese New Year holiday, with altcoins collectively crashing and many projects even hitting new all-time lows. Market sentiment shifted abruptly from FOMO-fueled euphoria to panic—many who were dreaming of "financial freedom" before the holiday could only mockingly comment "off to a bad start" under their loss screenshots. The cycle of price swings continues: you think you're practicing the quantitative art of "buying low and selling high," but in reality, you're constantly "chasing gains and cutting losses," making trading decisions driven by adrenaline, thereby losing more and more amid anxiety.
But if you no longer want to be controlled by market emotions and instead seek stable long-term returns, distancing yourself from the anxiety caused by extreme volatility, then this article is written for you. You don't need to monitor charts or predict market movements—just build a "yield engine" using sound strategies, allowing your assets to grow automatically over time. Markets will always have peaks and troughs, but the smart approach isn't to follow the crowd; it's to let wealth automatically play a "compound interest march," letting capital work for you instead of you working for the market.
This article outlines OKX's four "relatively low-risk" products that offer "relatively stable returns," leveraging time to generate yield, helping you earn passive income and transforming market fluctuations into steady returns. While others stay up late watching screens, anxiously chasing price moves, you can avoid frequent operations and instead accumulate compound interest effortlessly through稳健 strategies, achieving long-term asset growth.
1. Simple Earn
If your assets can earn returns passively, why let them sit idle and gather dust? Want to maximize the value of crypto assets like USDT, USDC, BTC, and ETH? OKX Simple Earn helps match your idle assets with users who need to borrow them, generating relatively stable returns. Deposit and withdraw anytime within 24 hours, with hourly interest accrual—flexible and efficient—allowing your assets to steadily appreciate over time!
You also don't need to envy others' high yields. Under normal circumstances, your first 1,000 USDT can enjoy a platform bonus of up to 10.00% annualized yield for 180 days, while amounts exceeding the first 1,000 USDT earn at least 1.00% annualized yield. Additionally, USDT and USDC annualized yields can be particularly attractive under certain market conditions. For example, during the week of December 6, 2024, OKX’s flexible Simple Earn product offered an annualized yield of up to 27.72% for USDT and 20.43% for USDC—far surpassing industry averages. With strong market demand for borrowing, you can lend out your idle funds anytime to boost passive income.
Backed by OKX’s robust risk control system, your funds remain securely protected. Just a few simple steps allow your assets to work intelligently for you, delivering zero-barrier passive returns.
Figure: OKX USDT Simple Earn average annual yield chart
2. On-chain Earn
If the coins you wish to lend aren’t available in “Simple Earn,” you can opt for “On-chain Earn.” OKX On-chain Earn selects quality staking and DeFi protocols to help you earn on-chain rewards. However, please note that these DeFi protocols are provided by third parties and carry inherent risks. OKX makes no guarantees regarding these products and assumes no responsibility for losses arising from their use. That said, OKX conducts strict reviews of each protocol, comprehensively assessing audit results, performance, compliance, team background, and governance mechanisms, striving to deliver safer and more reliable on-chain earning options.
Staking and DeFi products generate returns differently. Staking rewards come from helping blockchain networks maintain security, while DeFi earnings may arise from providing liquidity, participating in liquidity mining, or lending. You can select the tokens you wish to stake and subscribe accordingly. Note that redemption mechanisms for On-chain Earn are less flexible than those of Simple Earn. For PoS staking products, reward distribution timing varies by blockchain mechanism—it could be daily, weekly, or paid together with principal upon redemption. DeFi product returns are typically distributed with the principal the day after redemption, while additional rewards are usually paid around 20:00 (UTC+8) daily.
For instance, OKX currently offers a SOL staking campaign—by staking SOL on the Solana network, you receive a 1:1 OKSOL token, with a current reference annual yield reaching 10.89%. Additionally, staking ETH offers up to 2% annual APR, granting 1:1 BETH and daily rewards while maintaining greater liquidity flexibility.
Figure: OKX On-chain Earn illustration
3. Shark Fin
In one sentence: Shark Fin’s core features are stable returns plus range-based bonuses. As a "principal-protected" structured product, OKX Shark Fin allows your assets to grow steadily by tracking cryptocurrency price movements, earning annualized returns in USDT, BETH, or OKSOL. For conservative traders, favorable market conditions can unlock even higher annualized returns. In short, Shark Fin ensures both capital and interest protection, guaranteeing a minimum annualized return.
Shark Fin is very straightforward: it tracks price fluctuations and dynamically enhances returns based on market changes. At maturity, you’ll receive your full subscribed principal along with the guaranteed base annualized return. Crucially, if the settlement price falls within a specified range, you’ll earn a higher annualized return.
As shown in the figure below, if the underlying price at expiry is below $9,200 or above $9,400, you’ll earn a 3% annualized return. If the price lands between these two values, your annualized return will range from 3% to 18%, depending on where the price settles.
OKX Shark Fin offers flexible 3-day and 7-day terms, allowing you to choose based entirely on your needs. Whether you’re looking for a quick short-term gain ("skimming the soup") or a longer-term hold ("eating the meat"), there’s a suitable option. When subscribing, you can diversify across USDT, BETH, and OKSOL, or concentrate your allocation on a single asset. This design enhances trading convenience while supporting steady asset appreciation. Overall, Shark Fin provides a safe and flexible investment choice, enabling your assets to achieve maximum returns within a secure framework.
Figure: Three possible return scenarios for OKX Shark Fin
4. Jumpstart Campaign
Recently, OKX Jumpstart has made a major comeback, offering users a convenient and efficient way to seize early opportunities with promising projects and earn rewards. OKX Jumpstart is a platform specifically designed to curate new blockchain projects, aiming to help users become early participants in emerging digital assets. Participants simply need to hold and stake eligible cryptocurrencies as required by the campaign to join easily.
Through OKX Jumpstart, users can engage earlier with handpicked high-potential projects and receive reward tokens from the exchange after the mining period ends. When are Jumpstart project launches scheduled? OKX Jumpstart periodically offers users hands-on experiences with premium new blockchain projects. All events are announced in advance with detailed rules published ahead of time, giving users ample preparation time. By following the latest project updates and notifications on the platform, you can stay informed and never miss an opportunity.
Participating in Jumpstart is very simple. After entering the platform, locate the [Jumpstart] event entrance, review the details, and take action—you could earn rewards. Jumpstart currently offers two types of activities: new coin mining and discounted sales. The new coin mining model allows users to earn project-issued tokens through staking, with different lock-up periods and total staking caps per round—the more you stake, the more tokens you receive. The discounted sales model distributes tokens via a "reservation + lottery" mechanism. Jumpstart is not available to users in certain restricted countries/regions; eligibility depends on the specific activity information released by OKX.
Figure: OKX Jumpstart illustration
Disclaimer
This content is for informational purposes only and does not constitute and should not be construed as (i) investment advice or recommendation, (ii) an offer or solicitation to buy, sell, or hold digital assets, or (iii) financial, accounting, legal, or tax advice. We do not guarantee the accuracy, completeness, or usefulness of such information. Digital assets (including stablecoins and NFTs) are subject to market volatility, involve high risk, may depreciate, and could become worthless. You should carefully consider whether trading or holding digital assets is suitable for you based on your financial situation and risk tolerance. For advice relating to your specific circumstances, please consult your legal/tax/investment professional. Not all products are available in all regions. For more details, please refer to OKX Terms of Service and Risk Disclosure & Disclaimer. OKX Web3 Mobile Wallet and its derivative services are governed by separate terms of service. It is your responsibility to understand and comply with applicable local laws and regulations.
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