Must-read for Lazy People!

During the Spring Festival, Bitcoin experienced a deep correction, and altcoins collectively plummeted, with many projects even hitting historical lows. Market sentiment switched from a frenzied FOMO to panic, with many people who were dreaming of "financial freedom" before the New Year now self-mockingly sharing screenshots of their losses, saying "not a good start." The cycle of ups and downs makes you think you are playing the "art of high selling and low buying," but in reality, you are constantly "chasing highs and cutting losses," making trading decisions based on adrenaline, leading to even greater losses in anxiety.

However, if you no longer want to be controlled by market emotions and instead seek stable long-term returns, away from the anxiety caused by extreme volatility, then this article is prepared for you. You don’t need to watch the market, nor do you need to predict trends; you just need to build a "return engine" with reasonable strategies, allowing your assets to operate on their own and grow over time. The market will always have peaks and troughs, but the smart approach is not to go with the flow, but to let wealth automatically play the "compound interest march," allowing capital to work for you, rather than you working for the market.

This article organizes four major "relatively low-risk" products from OKX that "offer relatively stable returns," allowing you to exchange time for returns, helping you earn passive income and turning market fluctuations into stable returns. While others stay up late watching the market, anxiously chasing highs and cutting losses, you can easily accumulate compound interest with a steady strategy without frequent operations, achieving long-term asset growth.

1. Simple Coin Earnings

Why let your assets sit idle and gather dust when they can earn effortlessly? Want to maximize the value of your crypto assets like USDT, USDC, BTC, ETH? OKX Simple Coin Earnings helps you match idle assets with users who need to borrow coins, obtaining relatively stable returns, with 24/7 access, interest calculated hourly, flexible and efficient, allowing your assets to appreciate over time!

At the same time, there’s no need to envy others' high returns. Generally, your first 1,000 USDT can enjoy a platform reward of 10.00% annualized return within 180 days, while amounts exceeding the first 1,000 USDT enjoy a minimum of 1.00% annualized return. Additionally, the annualized returns for USDT and USDC can be quite impressive under certain market conditions. For example, during the week of December 6, 2024, the annualized return for OKX's USDT Simple Coin Earnings product reached as high as 27.72%, and USDC's annualized return reached 20.43%, far exceeding industry levels. With strong demand for borrowing coins in the market, you can lend out idle funds anytime to increase passive income.

OKX's robust risk control system ensures the safety of your funds. Just a few simple steps allow your assets to work smartly, achieving zero-threshold passive income.

Image: Average annualized return chart for OKX USDT Simple Coin Earnings

2. On-chain Coin Earnings

If "Simple Coin Earnings" does not have the coin type you want to lend, you can choose "On-chain Coin Earnings." OKX On-chain Coin Earnings selects staking and DeFi protocols to help you earn on-chain rewards. However, it is important to note that on-chain DeFi protocols are provided by third parties and carry certain risks; OKX does not guarantee these products and is not responsible for any losses incurred from using related products. Nevertheless, OKX will rigorously review each protocol, comprehensively assessing audit conditions, performance, compliance, team background, and governance mechanisms, striving to provide you with safer and more reliable on-chain coin earning products.

The earning methods for staking and DeFi products differ. Staking products earn rewards by helping maintain the security of the blockchain network, while DeFi products can earn returns through providing liquidity, participating in liquidity mining, lending, and other means. You can choose the tokens you want to stake and subscribe, but be aware that the redemption mechanism for on-chain coin earnings is not as flexible as simple coin earnings. The reward distribution time for PoS staking products varies depending on the on-chain mechanism, which may be daily, weekly, or distributed with the principal at redemption. DeFi product rewards are usually distributed the day after redemption along with the principal, while additional rewards are distributed around 20:00 (UTC+8) daily.

For example, OKX has launched a SOL staking activity, where staking SOL on the Solana network can earn 1:1 OKSOL, with a current reference annualized return of 10.89%. Additionally, staking ETH can enjoy up to 2% annualized APR, earning 1:1 BETH, with daily rewards while maintaining greater liquidity.

Image: OKX On-chain Coin Earnings illustration

3. Shark Fin

In one sentence, the core feature of Shark Fin: stable returns + interval bonuses. As a "capital-protected" structured product, OKX Shark Fin can steadily grow assets by tracking price fluctuations, earning annualized returns in USDT, BETH, and OKSOL. For cautious traders, if market conditions are favorable, they can also enjoy higher annualized returns. In short, Shark Fin provides capital and interest protection, ensuring a minimum annualized return.

The operation of Shark Fin is very simple; it tracks market changes based on price fluctuations to achieve dynamic return enhancement. At the product's maturity, you will recover your principal and receive guaranteed basic annualized returns. More importantly, if the settlement price falls within a specific range, you will receive higher annualized returns.

As shown in the figure below, if the target price at maturity is below $9,200 or above $9,400, you will earn a 3% annualized return. If the target price is between these two values, you will earn an annualized return that matches between 3% and 18%.

OKX Shark Fin offers flexible terms of 3 days and 7 days, allowing you to choose based on your needs. Whether you want short-term "soup" or long-term "meat," you can find a suitable plan. When subscribing, you can diversify orders through USDT, BETH, and OKSOL, or concentrate on a specific target. This design makes trading more convenient while helping you steadily appreciate your assets. In summary, Shark Fin provides a safe and flexible trading option, allowing your assets to enjoy maximized returns within a secure framework.

Image: OKX Shark Fin three possible return scenarios illustration

4. Jumpstart Activity

Recently, OKX Jumpstart has made a strong return, providing users with a convenient and efficient way to seize opportunities from early potential projects and earn rewards. OKX Jumpstart is a platform specifically for selecting new blockchain projects, aimed at helping users become early traders of emerging digital assets. Participants only need to hold and stake the coins that meet the activity requirements to easily join.

Through OKX Jumpstart, users can participate in selected potential projects earlier and receive reward tokens from the exchange after the mining period ends. So, what is the project issuance time for OKX Jumpstart? OKX Jumpstart will periodically provide users with opportunities to experience high-quality new blockchain projects. All activities will be pre-warmed in advance, and detailed activity rules will be announced to give users enough time to prepare for participation. Users can stay updated on the platform's latest project information and notifications to ensure they do not miss any participation opportunities.

If you want to participate in the Jumpstart activity, the operation is very simple. After entering the platform, find the [Jumpstart] activity entrance, check the activity details, and proceed to operate to have a chance to earn rewards. Jumpstart currently offers two types of activities: new coin mining and discounted sales. The new coin mining mode allows users to stake and earn token rewards issued by the project, with different staking periods and total staking limits for each activity; the more you stake, the more tokens you earn. The discounted sales mode uses a "reservation subscription + lottery" method for token distribution. Jumpstart is not applicable to users from certain restricted countries/regions; eligible users are subject to the specific activity information released by OKX.

Image: OKX Jumpstart illustration

Disclaimer

This content is for reference only and does not constitute or should not be viewed 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 fluctuations, involve high risks, and may depreciate or even 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 your specific situation, please consult your legal/tax/investment professionals. Not all products are available in all regions. For more details, please refer to OKX's terms of service and risk disclosure & disclaimer. The OKX Web3 mobile wallet and its derivative services are governed by separate terms of service. You are responsible for understanding and complying with applicable local laws and regulations.

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