Flex or Fixed? How to Pick the Right Earn Plan for Your Crypto

If you're holding crypto savings and not earning yield on them, your assets are just sitting there. XBO Earn lets you earn APR on crypto, generating passive crypto income without any active trading on your part.

There are two main types of Earn plans: Flex and Fixed. Both help you earn yield on crypto, both are among the best crypto earn plans available, but they work differently, and the right choice depends on what matters more to you: access to your funds or higher crypto interest rates.

Here's a short video that breaks down the key differences:

Flex Earn

Flex is the plan for people who want to earn yield without giving up access to their crypto:

• No lock-up period. Withdraw at any time, starting from day one
• Daily interest calculation
• Competitive rates that vary by asset (currently up to around 5% APR, though rates are updated regularly)

Worth knowing: for select assets, XBO.com also offers Flex bonded plans with higher rates (currently up to 15% APR) and a 21-day redemption period. You can find more details on the Earn page.

Fixed Earn

Fixed is the plan for people who are comfortable locking their crypto for a set period in exchange for higher interest rates:

• Choose your earning period: one week, one month, or three months
• Interest is calculated at the end of the period
• Higher rates than Flex, currently reaching up to 10% APR on certain assets (rates are updated regularly)
• At the end of the lock-up period, crypto you deposited plus earned interest are returned to your wallet

Side by side

Rates are approximate examples and change regularly. Check the Earn page for the latest numbers.

Which one should you choose?

The right crypto earn plan depends on your priorities, but a few questions can help you decide:

• Think about access. If you might need to move your crypto on short notice, for a trade, a transfer, or anything else, Flex gives you that freedom without sacrificing yield entirely.
• Think about time. If you're holding an asset for the next month or three anyway, Fixed lets you earn significantly more on crypto you weren't going to touch.
• Think about combining both. Many people split their holdings, keeping part in Flex for liquidity and locking the rest in Fixed for higher returns. There's no rule that says you must choose one over the other.

Available on 20+ assets

Both Flex and Fixed Earn plans are available on a wide range of assets, including $XBO, ATOM, SOL, USDT, USDC, XRP, BNB, AVAX and many more. You can check the full list and current rates directly on the Earn page.

Disclaimer: Our content does not constitute financial advice. It is only intended for informational and educational purposes.