OKX's 4 major products help users earn passive income

Bitcoin experienced a deep correction during the Spring Festival, causing altcoins to collectively plummet, with many projects even hitting historical lows. Market sentiment switched from a frenzy of FOMO to panic, with many people who were dreaming of "financial freedom" before the New Year now self-mockingly saying "not a good start" under screenshots of losses. The cycle of ups and downs makes you think you are playing the "art of high selling and low buying," but in reality, you are constantly "chasing highs and cutting losses," making trading decisions based on adrenaline, and thus losing more in anxiety.

However, if you no longer want to be controlled by market sentiment and instead pursue stable long-term returns, away from the anxiety caused by extreme volatility, then this article is prepared for you. You don’t need to watch the market, nor predict trends; you just need to build a "return engine" with reasonable strategies, allowing your assets to operate on their own and grow continuously over time. The market will always have highs and lows, but the smart approach is not to go with the flow, but to let wealth automatically play the "compound interest march," allowing capital to work for you, rather than you working for the market.

This article organizes four major "relatively low-risk" products from OKX that "offer relatively stable returns," allowing you to exchange time for returns, helping you earn passive income and turning market fluctuations into stable returns. While others stay up late watching the market and anxiously chasing highs and cutting losses, you can accumulate compound interest easily with a steady strategy without frequent operations, achieving long-term asset growth.

1. Simple Earn

Why let your assets sit idle and collect dust when they can earn passively? Want to maximize the value of your idle crypto assets like USDT, USDC, BTC, ETH? OKX Simple Earn helps you match idle assets with users who need to borrow coins, obtaining relatively stable returns, with 24/7 access to deposits and withdrawals, interest calculated hourly, making it flexible and efficient, allowing your assets to appreciate over time!

At the same time, you don’t need to envy others' high returns. Generally, your first 1,000 USDT can enjoy a platform reward of 10.00% annualized return within 180 days, and any amount exceeding the first 1,000 USDT enjoys a minimum of 1.00% annualized return. Additionally, the annualized returns for USDT and USDC can be quite impressive in certain market conditions. For instance, during the week of December 6, 2024, the annualized return for OKX's USDT Simple Earn product reached as high as 27.72%, and USDC's annualized return reached 20.43%, far exceeding industry levels. With the strong demand for borrowing coins in the market, you can lend out idle funds anytime to increase passive income.

OKX's robust risk control system ensures the safety of your funds throughout the process. Just a few simple steps allow your assets to work smartly, achieving zero-threshold passive income.

Image: Average annualized return chart for OKX USDT Simple Earn

2. On-chain Earn

If "Simple Earn" doesn’t have the coins you want to lend, you can choose "On-chain Earn." OKX On-chain Earn selects staking and DeFi protocols to help you earn on-chain rewards. However, it is important to note that on-chain DeFi protocols are provided by third parties and carry certain risks; OKX does not guarantee its products and is not responsible for any losses incurred from using related products. Nevertheless, OKX will rigorously review each protocol, comprehensively assessing audit conditions, performance, compliance, team background, and governance mechanisms, striving to provide you with safer and more reliable on-chain earning products.

The earning methods for staking and DeFi products differ. Staking products earn rewards by helping maintain the security of the blockchain network, while DeFi products can earn returns through providing liquidity, participating in liquidity mining, lending, and more. You can choose the tokens you want to stake and subscribe, but note that the redemption mechanism for on-chain earn is not as flexible as Simple Earn. The reward distribution time for PoS staking products varies due to different on-chain mechanisms, which may be daily, weekly, or issued together with the principal upon redemption. DeFi product rewards are usually distributed the day after redemption along with the principal, while additional rewards are distributed around 20:00 (UTC+8) daily.

For example, OKX has launched a SOL staking activity, where staking SOL on the Solana network can earn you 1:1 OKSOL, with a current reference annualized return of 10.89%. Additionally, staking ETH can enjoy up to 2% annualized APR, earning 1:1 BETH, with daily rewards while maintaining more flexible liquidity.

Image: OKX On-chain Earn illustration

3. Shark Fin

In one sentence, the core feature of Shark Fin can be summarized as: stable returns + interval bonuses. As a "capital protection" structured product, OKX Shark Fin can steadily grow your assets by tracking price fluctuations, earning annualized returns in USDT, BETH, and OKSOL. For traders who prefer a steady approach, if market conditions are favorable, they can also enjoy higher annualized returns. In short, Shark Fin provides capital and interest protection, ensuring a minimum annualized return.

The operation of Shark Fin is very simple; it tracks market changes based on price fluctuations to achieve dynamic yield enhancement. At the product's maturity, you will recover your principal and receive guaranteed basic annualized returns. More importantly, if the settlement price falls within a specific range, you will receive higher annualized returns.

As shown in the figure below, if the underlying price at maturity is below $9,200 or above $9,400, you will earn a 3% annualized return. If the underlying price is between these two values, you will earn an annualized return that matches between 3% and 18%.

OKX Shark Fin offers flexible terms of 3 days and 7 days, allowing you to choose according to your needs. Whether you want short-term "soup" or long-term "meat," you can find a suitable plan. When subscribing, you can diversify your orders through USDT, BETH, and OKSOL, or concentrate on a specific underlying asset. This design makes trading more convenient while helping you steadily appreciate your assets. In summary, Shark Fin provides a safe and flexible trading option, allowing your assets to enjoy maximized returns within a secure framework.

Image: OKX Shark Fin three possible return scenarios illustration

4. Jumpstart Activity

Recently, OKX Jumpstart has made a strong return, providing users with a convenient and efficient way to seize opportunities from early potential projects and earn rewards. OKX Jumpstart is a platform specifically designed to select new blockchain projects, aimed at helping users become early traders of emerging digital assets. Participants only need to hold and stake coins that meet the activity requirements to easily join.

Through OKX Jumpstart, users can participate in selected potential projects earlier, and after the mining period ends, they can receive reward tokens from the exchange. So, what is the project issuance time for OKX Jumpstart? OKX Jumpstart will periodically provide users with opportunities to experience high-quality new blockchain projects. All activities will be pre-warmed in advance, and detailed activity rules will be announced to give users enough time to prepare for participation. Users can keep up with the latest project information and notifications on the platform to ensure they don’t miss any participation opportunities.

If you want to participate in the Jumpstart activity, the operation is very simple. After entering the platform, find the [Jumpstart] activity entrance, check the activity details, and proceed to operate to have a chance to earn rewards. Jumpstart currently offers two types of activities: new token mining and discounted sales. The new token mining mode allows users to stake and earn token rewards issued by the project, with different staking periods and total staking limits for each activity; the more you stake, the more tokens you earn. The discounted sales mode uses a "reservation subscription + lottery" method for token distribution. Jumpstart is not applicable to users from certain restricted countries/regions; eligible users are subject to the specific activity information released by OKX.

Image: OKX Jumpstart illustration

Disclaimer

This content is for reference only and does not constitute or should not be regarded as (i) investment advice or recommendation, (ii) an offer or solicitation to buy, sell, or hold digital assets, or (iii) financial, accounting, legal, or tax advice. We do not guarantee the accuracy, completeness, or usefulness of such information. Digital assets (including stablecoins and NFTs) are subject to market fluctuations, involve high risks, and may depreciate or even become worthless. You should carefully consider whether trading or holding digital assets is suitable for you based on your financial situation and risk tolerance. For your specific circumstances, please consult your legal/tax/investment professionals. Not all products are available in all regions. For more details, please refer to OKX's terms of service and risk disclosure & disclaimer. The OKX Web3 mobile wallet and its derivative services are governed by separate terms of service. You are responsible for understanding and complying with applicable local laws and regulations.