Choosing an earn product was never about "which APY is highest" — it's about which one matches this money and your risk tolerance. The four questions below circle exactly that: how soon you'll need it, whether you can take a loss of principal, peace of mind vs higher yield, and whether you're new. Answer and click, and you'll get a starting direction — plus its risk note.
Your starting direction
Flexible savingsWhy: you want flexibility, safety, or you're just starting — flexible fits best
A withdraw-any-time "spare-cash jar." The yield comes from the platform's lending spread, and it's the first product most people meet. The APY isn't high, but with principal in stablecoins it's relatively easy to keep track of — ideal for first learning the full subscribe, accrue, redeem flow. Note: it's near-protected but still carries platform credit risk — not absolutely safe.
Withdraw any timeLow riskNear-protected
Find it in Binance Simple Earn Flexible or OKX Simple Earn flexible, from a few USDT.
Your starting direction
Fixed (locked) savingsWhy: this money is idle for a while and you'll trade locking for a higher band
Same yield source as flexible (a lending spread), but you commit to lock it up for a set term, and the platform pays a band higher than flexible. The cost is that you can't withdraw during the lock, or you pay a penalty to exit early. It fits money you definitely won't need for months — don't lock your emergency fund or your dip-buying powder. Near-protected, but still carries platform credit risk.
Locked 7–120 daysLow-ish riskNear-protected
Find it in Binance Simple Earn Locked or OKX fixed Earn.
Your starting direction
StakingWhy: you already hold a major coin long-term and can stomach price swings
Delegate the ETH, SOL or other PoS coins you hold long-term to staking and collect on-chain block rewards. The yield is in-coin and the source is real, but it's not protected — if the coin price drops you lose principal, and the yield can't cover the fall; there's also an unlock period, so you can't exit instantly. Only fits people who plan to hold the coin anyway — don't buy a coin just to stake it for yield.
Has an unlock periodMedium riskNot protected
Find it in Binance staking / on-chain Earn or OKX on-chain Earn.
Your starting direction
Dual Investment (advanced, use with care)Why: you're experienced, want higher yield, and understand options
Dual Investment's high APY is essentially the premium you collect from selling an option, and it isn't protected. If the price hits the target at expiry, your coin is converted into another coin at that target price — you may buy at a high or be called away cheap and end up under water. It fits people who already hold spot and want a tool to "buy low / sell high at a target," and it's never a place to park money as protected high yield. Start small, and understand the mechanics first.
Locked until expiryHigh-ish riskNot protected · may be converted
Find it in Binance Dual Investment or OKX Dual Investment.
⚠️ Extra note: the tool steered you toward a higher-yield product. Once more: higher yield = higher risk. Dual Investment isn't protected and converts your coin at the target price; the high APY shown is the premium from selling an option, not free interest. Always test with a small amount you understand, grasp the mechanics, and only then size up.
This is just a starting suggestion
This result is based on each product's general traits and your choices — it is not a tailored investment plan and does not guarantee any return. Go by your own real risk tolerance and the platform's live rules. This tool is for educational reference only and is not investment advice — use only money you can afford to lose.
How the picker works, and how to use it
This isn't a yield calculator — it's a short quiz to clarify your needs. It turns four dimensions — how long the money is tied up, whether you can take a principal loss, peace of mind vs higher yield, and beginner vs experienced — into preference scores across four products (flexible, fixed, staking, Dual Investment), and the highest-scoring one becomes your starting direction. On a tie it picks "the more conservative first," so beginners land more easily on flexible and fixed protected tiers.
Why it doesn't just push the highest APY
Because the highest APY is almost always the riskiest. A fitting product first matches "how soon you'll need this money and whether you can lose it," and only then the yield. The tool would rather be conservative than push a beginner straight into the loss-prone Dual Investment or Launchpool.
What to do with the result
Note the suggested product type, head to the crypto Earn product comparison to see how it differs from the others side by side, then use the compound yield calculator to run the numbers on a principal and APY. Before you commit, read 5 yield product types and the risk spectrum to understand the mechanics — when you understand it, you can rest easy.
Got a direction and want to try? Binance Simple Earn and OKX Earn both let you start from a few USDT. Enter code BNB2628 at Binance or OK2628 at OKX for a fee discount — go to Binance / go to OKX.