Trading funds can also earn coins automatically!

Have you ever had this experience—​​​​​​​

You meticulously set up your orders, eagerly waiting for the opportunity to make a big profit, but the market just doesn’t move; or just as you take a position, the market seems to be watching you, always moving in the opposite direction. You not only lose on your position but also on the funds that could have earned interest. At this moment, you look over at the financial players next door, who steadily earn interest every day without even looking at the market, and you can’t help but feel, “They are truly geniuses.”

As a trading player with “small goals,” you either leave orders hanging or wait for the market’s “judgment,” but the utilization of funds remains painfully low year after year. What’s even more frustrating is that to let your funds earn interest, you have to switch to wealth management; but when an opportunity arises, your funds are locked and can’t 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 on your orders without missing out, and your margin can also earn money online, eliminating the need to choose between trading and wealth management.

Next, let’s delve into this product and see how much OKX trading players can earn passively!

1. Trading funds can also automatically manage wealth

(1) Quickly understand "Automatic Coin Earning for Trading Accounts"

What is the automatic coin earning for trading accounts? In a nutshell, it allows your funds to earn interest automatically while trading. However, this product currently only supports USDT. It will automatically lend your idle assets in the trading account (the total positive equity of USDT in the full position) to earn profits without affecting trading, margin, or pledging. The lending targets are OKX's internal leveraged borrowing users and spot borrowing users, ensuring the entire process is safe and transparent.

What is the total positive equity of USDT in the full position? Simply put: it is the total of all assets in your trading account that are pegged to USDT, with an initial limit of 1,000,000 USDT. 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 USDT-denominated full position contracts), frozen margin (USDT locked during full position contract trading), and occupied funds (USDT locked during spot or limit order placements).

Here are a few examples:

During contract trading: Xiao Ming has 200 USDT idle in his OKX trading account, with 100 USDT as full position contract margin and a profit of 60 USDT. Therefore, the total USDT (total positive equity of USDT in the full position) available for earning coins in Xiao Ming's account is: 200 + 100 + 60 = 360 USDT.

During spot order placement: Xiao Hong has 200 USDT as full position contract margin in her OKX trading account, with a loss of 40 USDT and 100 USDT occupied by a spot order. Therefore, the total USDT (total positive equity of USDT in the full position) available for earning coins in Xiao Hong's account is: 200 - 40 + 100 = 260 USDT.

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

2. Profit Calculation

In simple terms, as long as your trading account has total positive equity of USDT in the full position, 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, all automated, without interrupting your normal trading. Therefore, the profits from OKX's "Automatic Coin Earning for Trading Accounts" can be understood as the profits from simple coin earning (spot).

According to data from the OKX app, from August 11, 2024, to August 10, 2025, the average annualized return for simple coin earning with USDT is 5.70%. During this year, the return fluctuated significantly, peaking at 26.35%. In some special market conditions, the annualized return even soared to around 50% during certain periods of the day, several times higher than usual.

(1) Profit Calculation Table for 50,000 USDT, 100,000 USDT, and 500,000 USDT Positions

Next, we will select several relatively reasonable average annualized interest rates of 1%, 9.67%, 8.45%, and 5.7% to calculate the profits from "Automatic Coin Earning for Trading Accounts."

Since the APY fluctuates and changes in real-time based on the currency and product, users need to refer to the OKX simple coin earning product page for the official rates. However, from the above tables, it is not difficult to see:

It is more favorable for large funds: The higher the return rate, the more significant the difference in returns 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 return jumping from 1,000 USDT to 9,670 USDT. Just a few percentage points increase in annualized return 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 yield level of "Automatic Coin Earning for Trading Accounts."

Yield advantage: The annualized yield provided by OKX's automatic coin earning for trading accounts is leading among major global wealth management methods. According to 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 soared to 49%, far exceeding the returns of traditional wealth management products like bank deposits, demonstrating a significant comparative advantage in yield.

Liquidity advantage: OKX's automatic coin earning for trading accounts combines high liquidity with yield advantages. With just one click, you can automatically earn interest without changing your trading habits, allowing USDT used for orders or as margin to continuously earn returns, ensuring that funds are no longer idle. Once activated, funds can still participate in trading at any time, achieving a seamless switch between wealth management and trading, ensuring safety, peace of mind, and almost zero operational burden, allowing users to act quickly when opportunities arise and ensuring steady returns.

3. Access and Usage
OKX's automatic coin earning for trading accounts is currently mainly open to VIP1 users and above, and it 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 open it. The system will automatically calculate the amount of USDT that can participate in earning based on the total positive equity of USDT in your account and the remaining available balance. Once activated, no manual operation is required; the system will automatically adjust according to the changes in your account funds, and it will not affect your normal trading.

Access point one: You can directly enter through the landing page: https://www.okx.com/zh-hans/campaigns/auto-earn-vip?pagesourcefrom=medianews

Access point two: OKX APP: ① Trading page asset tab (visible to VIP users with positive total equity of USDT); 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 for automatic coin earning within 24 hours after activation. During this time, funds within the total lending amount cannot be transferred or withdrawn, nor can they be used to borrow or withdraw, 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 in the account to automatically earn coins without interrupting trading or affecting margin. Once activated, it operates continuously, with interest settled hourly and credited in real-time, allowing you to see changes in earnings at any time, ensuring that both trading and earning coins are not hindered. The platform has also prepared risk margin and quota control to make 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, potentially enhancing overall market liquidity and fund efficiency, and may change 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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