Updated lending rules for Simple Earn Flexible and Auto-Earn
From 5.00 pm. UTC +8 on November 13, 2025, in response to user feedback, we're updating the lending rules for Simple Earn Flexible and Auto-Earn to provide you with new earning opportunities. The new APR calculation method will help more users experience more consistent returns. The new APR calculation method will only apply to stablecoins, including USDT and USDC.
Checklist
- Updated lending rules for Simple Earn Flexible and Auto-Earn
- Updated rules for stablecoins
- Under the new lending rules, this is how your funds will be lent out:
- If your minimum lending APR is higher than the borrowing interest rate, your funds won’t be eligible to be lent out, and you’ll earn no return.
- Take note that the final APR you earn may be lower than the minimum lending APR you’ve set. This happens when the borrowing pool is smaller than the eligible lending pool. Here's an example of how it works:
- If your minimum lending APR is 5% and the borrowing interest rate is also 5%, your funds will be eligible for lending.
Notes
Updated rules for stablecoins
Under the new lending rules, this is how your funds will be lent out:
If your minimum lending APR is equal to or lower than the borrowing interest rate, your funds will be eligible for lending, and you’ll earn return at an APR up to the interest rate. The interest paid by borrowers will be allocated to all users whose funds are eligible for lending.
If your minimum lending APR is higher than the borrowing interest rate, your funds won’t be eligible to be lent out, and you’ll earn no return.
Details follow the official OKX help article; this page is a learning checklist, not an official mirror.
