Before FTX's collapse (November 2022), the annualized interest rate was mainly for FTX Earn products, with a maximum of 8%. Specific rules were as follows: • First $10,000: 8% APY • $10,000 ~ $100,000: 5% APY • Over $100,000: Earn interest rate no longer applies (0%) In summary: Before the collapse, the mainstream annualized interest rate for users was 5%~8%, with a maximum of 8%.