Have you ever had this experience—
You set your orders precisely, eagerly waiting for the opportunity to make a big profit, but the market just doesn’t move; or you just entered a position, and the market seems to be watching you, always moving in the opposite direction. You not only lose your position but also the funds that could have earned interest. At this moment, looking at the neighboring financial players who steadily earn interest every day without watching the market, you can’t help but sigh, “They are truly geniuses.”
As a trading player with “small goals,” you are either waiting for orders to be filled or holding positions waiting for the market’s “judgment,” yet the utilization of funds remains painfully low year after year. What’s more frustrating is that if you want your funds to earn interest, you have to switch to wealth management; but when the opportunity arises, your funds are locked and cannot move, leaving you helplessly watching the market slip away. This time, OKX has launched the “Automatic Coin Earning for Trading Accounts” feature, directly overturning this old pain point—allowing you to earn interest while placing orders, ensuring that your margin can also generate income online, without having to choose between trading and wealth management.
Let’s dive deeper into this product and see how much OKX trading players can actually earn passively!
1. Trading Funds Can Also Earn Automatically
(1) Quickly Understand “Automatic Coin Earning for Trading Accounts”
What is Automatic Coin Earning for Trading Accounts? Currently, this product only supports USDT. It will automatically lend your idle assets (full USDT positive equity) in the trading account without affecting trading, margin, and staking, to earn returns. The borrowing targets are OKX’s internal leveraged borrowing users and spot borrowing users, making the entire process safe and transparent. In short, it allows your funds to earn interest automatically while trading.
What is full USDT positive equity? Simply put, it mainly includes available balance (USDT that can still be used for trading), floating profit and loss (how much profit or loss you currently have on your full USDT margin contracts), frozen margin (USDT locked during full margin contract trading), and occupied funds (USDT locked during spot or limit order placements). This is the total of all assets linked to USDT in your trading account, with an initial cap of 1 million USDT.
Here are a few examples:
In Xiao Ming's OKX trading account, there are 200 USDT idle, with 100 USDT as full margin contract margin and a profit of 60 USDT. Therefore, the total USDT (full USDT positive equity) available for Xiao Ming to earn coins is: 200 + 100 + 60 = 360 USDT. During contract trading:
In Xiao Hong's OKX trading account, there is 200 USDT as full margin contract margin, a loss of 40 USDT, and 100 USDT occupied by a spot order. Therefore, the total USDT (full USDT positive equity) available for Xiao Hong to earn coins is: 200 - 40 + 100 = 260 USDT. During spot order placement:
Thus, whether you are a trading user or a holding user, the idle USDT in your trading account can automatically earn interest.
2. Earnings Estimation
In simple terms, as long as your trading account has full USDT positive equity, you can open the “Automatic Coin Earning for Trading Accounts” feature at any time. Once opened, these funds will participate in bidding along with your assets in simple coin earning, according to the annualized interest rate you set, lending to users who need to borrow USDT for leveraged trading or spot borrowing. Once the bidding is successful, you can start earning interest, fully automated, without interrupting your normal trading. Therefore, the earnings from OKX’s “Automatic Coin Earning for Trading Accounts” can be understood as the earnings from simple coin earning (spot).
OKX APP data shows that from August 11, 2024, to August 10, 2025, the average annualized return for simple coin earning with USDT is. During this year, the yield fluctuated significantly, peaking at. In some special market conditions, the annualized return can even spike during certain periods of the day, several times higher than usual. 
(1) Earnings Estimation Table for 50,000 USDT, 100,000 USDT, and 500,000 USDT Holdings
Next, we will select several relatively reasonable average annualized rates of 1%, 9.67%, 8.45%, and 5.7% to estimate the earnings from “Automatic Coin Earning for Trading Accounts.”
Since the APY fluctuates, changing in real-time based on the currency and product, users should refer to the OKX simple coin earning product page for the official rates. However, from the above tables, it is clear that:
It is more favorable for large funds: The higher the yield, the more significant the return difference brought by large funds. For example, with 100,000 USDT, if the annualized rate rises from 1% to 9.67%, the daily interest earned increases from 2.74 USDT to 26.49 USDT, resulting in an annual total from 1,000 USDT to 9,670 USDT. Just a few percentage points increase in annualized rate can significantly boost earnings.
(2) Comparison of Major Global Wealth Management Methods
Additionally, by comparing with major global wealth management methods such as bank deposits, index funds, and DEFi yields, we can further understand the earnings level of “Automatic Coin Earning for Trading Accounts.”
The annualized yield provided by OKX’s Automatic Coin Earning for Trading Accounts is among the leading positions in mainstream global wealth management methods. Based on the above analysis, its interest rate level often exceeds the market average. Taking the stablecoin USDT as an example, during periods of high borrowing demand, the annualized yield for OKX’s spot coin earning once surged to 49%, far exceeding the returns of traditional wealth management products like bank deposits, demonstrating a significant comparative advantage in yield. Yield Advantage:
OKX’s Automatic Coin Earning for Trading Accounts combines high liquidity and yield advantages, allowing for automatic interest earning with just one click, ensuring that USDT used for orders or as margin can continuously earn returns without leaving funds idle; after activation, funds can still participate in trading at any time, achieving seamless switching between wealth management and trading, ensuring safety, peace of mind, and almost zero operational burden, allowing users to act quickly when opportunities arise, with stable earnings credited.
Liquidity Advantage:
3. Access and Usage
OKX’s Automatic Coin Earning for Trading Accounts is currently mainly available to VIP 1 users and above, and currently only supports USDT (more currencies may be supported in the future). Whether you are using spot, contracts, or cross-currency margin and portfolio margin models, you can activate it. The system will automatically calculate the amount of USDT that can participate in earning based on your account’s full USDT equity and remaining available balance. Once activated, no manual operation is required; the system will automatically adjust according to changes in your account funds, and it will not affect your normal trading.
Access Point 1: You can directly enter through the landing page: https://www.okx.com/zh-hans/campaigns/auto-earn-vip?pagesourcefrom=medianews
Access Point 2: OKX APP: ① Trading page asset Tab (visible to VIP users with positive USDT full equity); or ② Assets → Trading Assets.**
After activating this feature, users can set their own lending rates and view historical rate trends, common questions, and product introductions. When confirming the order, the system will remind you that USDT cannot be turned off within 24 hours after enabling automatic coin earning; during this period, funds within the total lending amount cannot be transferred or withdrawn, nor can they be used for borrowing or withdrawal, but other trading operations can continue as usual without being affected.
2) After activation, you can view the current earning status on the asset page, including lending status, amount, and interest rate, and you can adjust the lending rate and view historical earnings at any time.
4. Summary of Usage
OKX’s “Automatic Coin Earning for Trading Accounts” allows your idle USDT to automatically earn coins without interrupting trading or affecting margin. Once activated, it can run continuously, with interest settled hourly and credited in real-time, allowing you to see changes in earnings at any time, ensuring that trading and earning coins do not interfere with each other. The platform has also prepared risk margin and quota control, making your funds safer while earning coins. For trading users, these wealth management earnings further help reduce trading fees.
Overall, this feature integrates the previously separate “trading” and “earning coins,” allowing for flexible fund management and growth in earnings within a single account. For users, it enables seizing market opportunities without leaving funds idle; for the industry, it represents an upgrade in fund utilization methods, with the potential to enhance overall market liquidity and fund efficiency, possibly changing the competitive landscape of exchanges.
Disclaimer:
This article is for reference only. It represents the author's views and does not reflect the position of OKX. This article does not intend to provide (i) investment advice or recommendations; (ii) offers or solicitations to buy, sell, or hold digital assets; (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 fluctuate significantly. Past performance does not guarantee future results, and historical returns do not represent future outcomes. OKX is not responsible for any potential losses. You should carefully consider whether trading or holding digital assets is suitable for you based on your financial situation. Please consult your legal/tax/investment professionals regarding your specific circumstances. You are responsible for understanding and complying with applicable local laws and regulations.
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