10,000 U Sell Order, Can Earn 500 U Passively Every Month? OKX's "Trade Account Auto-Earning" Feature Revenue Deep Dive!

2025-08-15 18:27

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Transaction Funds, Earn Coins Automatically!

Article Source: OKX

Trade Your Funds and Earn Rewards Automatically!

Have you ever experienced meticulously setting up your orders, waiting eagerly for the perfect opportunity to make a profit, only to see the market moving against you? Or perhaps right after you enter a trade, the market seems to have a personal vendetta as it moves in the opposite direction, causing not just a loss in your position but also in the funds that could have been earning interest. At that moment, observing the neighboring investors effortlessly earning interest every day, even without actively trading, might make you marvel at their genius.

As a trader with modest goals, you either have orders placed waiting to be filled or positions held awaiting the market's "judgment," all while your capital utilization rate remains consistently low. Moreover, wanting your funds to earn interest would require transferring them to an interest-earning account, but when an opportunity arises, your funds become inaccessible, leaving you helplessly watching as the market slips away. This time, OKX has introduced the "Trade Account Earn" feature, addressing this long-standing issue, allowing you to earn interest without missing out on trades, enabling your margin to generate profits online, and eliminating the need to choose between trading and earning.

Next, let's delve into this product to see just how much money OKX's traders can earn effortlessly.

1. Your Trading Funds Can Also Earn Interest

(1) Understanding "Trade Account Earn" at a Glance

What is Trade Account Earn? In simple terms, it allows your funds to earn interest automatically while you trade. However, this product currently only supports USDT. It ensures that your idle assets in the trading account (full USDT account equity) are lent out automatically without affecting your trades, margin, or staking, allowing you to earn rewards. The lending targets are OKX's internal leverage borrowing users and spot borrowing users, ensuring the entire process is secure and transparent.

What is full USDT account equity? Put simply: it is the total of all USDT-linked assets in your trading account, with an initial limit of 1 million USDT. This primarily includes your available balance (USDT available for trading), unrealized P&L (the fluctuation in value of your USDT-denominated perpetual swaps contracts—whether in profit or loss), frozen margin (the USDT locked in full margin contract trades), and reserved funds (the USDT locked in spot or limit order trades).

Here are a few examples:

During a full margin contract trade: If in Mark's OKX trading account, he has 200 USDT idling, with a full margin contract margin of 100 USDT and a 60 USDT profit. Then, Mark's total USDT available for earning rewards (full USDT account equity) would be: 200 + 100 + 60 = 360 USDT.

When placing a spot order: In Little Red's OKX trading account, the total full-margin contract margin is 200U, with a loss of 40U, and the spot order occupies 100U. Therefore, the total USDT available in Little Red's account for earning coins (USDT full-margin equity) is: 200-40+100=260U.

Therefore, whether you are a trading user or a holding user, the idle USDT in the trading account can automatically earn interest.

II. Revenue Estimation

In simple terms, as long as there is USDT full-margin equity in your trading account, you can open the "Auto Coin Earning in Trading Account" feature at any time. Once opened, these funds will participate in bidding along with your assets in Simple Coin Earning, lending to users who need to borrow USDT for leveraged trading or flexible borrowing, at the annualized interest rate you set. If the bidding is successful, you can start earning interest, fully automated, without affecting your normal trading. Therefore, the revenue of OKX's "Auto Coin Earning in Trading Account" can be understood as the revenue of Simple Coin Earning (flexible).

OKX APP data shows that from August 11, 2024, to August 10, 2025, the average annualized return of USDT Simple Coin Earning was 5.70%. The yield fluctuated significantly in that year, once surging to 26.35%. In some special market conditions, the annualized return rate may even skyrocket to around 50% in certain periods of the day, several times higher than usual.

(I) Position Holding Revenue Calculation Table for 50,000 U, 100,000 U, 500,000 U

Next, select several relatively reasonable average annualized returns of 1%, 9.67%, 8.45%, and 5.7% to calculate the revenue of "Auto Coin Earning in Trading Account".

Since APY fluctuates, that is, it changes in real time according to the currency and product, users should refer to the OKX Simple Coin Earning product page for the latest information. However, it is not difficult to see from the table above:

More favorable to large funds: The higher the return rate, the more significant the difference in returns brought by large funds. Taking 100,000 U as an example, if the annualized return increases from 1% to 9.67%, the daily interest earned increases from 2.74 U to 26.49 U, and over a year, it jumps from 1000 U directly to 9670 U. As long as the annualized rate increases by a few percentage points, the earnings can increase.

(2) Global Major Wealth Management Methods Comparison

In addition, by comparing with global major wealth management methods such as bank deposits, index funds, and DEFi yields, one can further understand the income level of "Earn While You Trade" accounts.

Yield Advantage: The annualized yield provided by OKX's Earn While You Trade account is at the forefront among global mainstream wealth management methods. According to the analysis above, its interest rate level is often higher than the market average. Taking the stablecoin USDT as an example, during periods of high borrowing demand, OKX's flexible Earn While You Trade account's annualized yield once soared to 49%, far exceeding the return rate of traditional wealth management products such as bank deposits, demonstrating a significant yield comparison advantage.

Liquidity Advantage: OKX's Earn While You Trade account combines high liquidity with yield advantages, automatically generating interest with just one click. Without changing trading habits, even USDT placed in orders or used as margin can continue to earn interest, ensuring that funds are no longer idle. After activation, funds can still participate in trading at any time, achieving a seamless transition between wealth management and trading, secure, worry-free, with almost zero operational burden, allowing users to act swiftly when opportunities arise, with earnings being steadily credited.

3. Access and Usage

OKX's Earn While You Trade account is currently mainly open to VIP1 and above users and currently only supports USDT (more currencies may be supported in the future). Whether you use spot, futures, cross-margin, or portfolio margin modes, you can participate. The system will automatically calculate the quantity eligible for earning interest based on the full USDT equity and remaining available balance in your account. Once activated, there is no need for manual operation, as the system will automatically adjust with changes in your account funds, without affecting your normal trading activities.

Access Method 1: You can directly access it through the official website.

Access Method 2: OKX APP: ① Asset Tab on the Trading page (visible to VIP users with positive USDT full equity); or ② Assets → Trading Assets.

After enabling this feature, users can set their own lending rates and view historical rate trends, FAQs, and product introductions. When confirming an order, the system will remind you that after enabling Earn While You Trade for USDT, it cannot be disabled within 24 hours. During this period, the funds within the total lending amount cannot be withdrawn or transferred out, nor can they be used for borrowing or withdrawal, but other trading operations can proceed as usual without being affected.

2) Once enabled, you can view the current Coin Earning status on the Asset page, including the lending status, amount, and interest rate, and you can adjust the lending rate at any time and view historical earnings.

IV. Summary of Use

The OKX "Trade Account Coin Earning" feature allows your idle USDT in your account to automatically start earning coins without affecting your trading or margin activities. Once activated, it will continue running smoothly. Interest is calculated hourly and credited in real-time. You can easily monitor your earnings and seamlessly balance between trading and earning coins. The platform also provides risk reserves and credit limits to enhance the safety of your funds while earning. For trading users, these investment returns further help reduce transaction fees.

Overall, this feature bridges the previously separate activities of "trading" and "earning coins," allowing you to efficiently manage your funds and maximize your returns within a single account. For users, it offers the opportunity to seize market movements without leaving funds idle, while for the industry, it signifies an upgrade in fund utility, potentially enhancing market liquidity and capital efficiency, and even reshaping the exchange competition landscape.

Disclaimer:

This article is for reference only. The views expressed in this article are solely those of the author and do not represent the stance of OKX. This article is not intended to provide (i) investment advice or recommendations; (ii) an offer or solicitation of an offer 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. Holding digital assets (including stablecoins and NFTs) involves high risks and may experience significant volatility. Historical returns do not guarantee future returns, and past performance does not indicate future results. OKX disclaims any liability for potential losses. You should carefully consider whether trading or holding digital assets is suitable for you based on your financial situation. For your specific circumstances, please consult your legal/tax/investment professional. It is your responsibility to understand and comply with relevant local laws and regulations.