1. What is Flexible Savings?

Flexible Savings pays interest on deposited cryptocurrencies while allowing users to withdraw their funds at any time.

2. What is Fixed Savings?

Fixed Savings also pays interest on deposited cryptocurrencies, but unlike Flexible Savings, it has a fixed duration.
Funds must remain in the account until maturity in order to earn the stated interest.

3. What are the Subscription Date, Value Date, and Redemption Date?

• Subscription Date: The date on which you subscribe to an Earn product.

• Value Date: The date on which the Earn product starts accruing interest.

• Redemption Date: The date on which you redeem (withdraw) your funds from the Earn account.

4. How is my interest calculated?

• Daily Interest
  = Subscribed Amount × (APY / 365)

• Total Interest
  = Subscribed Amount × (APY / 365) × Number of Days Deposited

5. How will interest be distributed?

For Flexible Savings:
Interest starts accruing the day after subscription.
Interest will be distributed to your Spot Wallet within 15 minutes after 04:00 AM UTC each day until the principal is redeemed.

Example:
If User A subscribes to 0.1 BTC Flexible Savings on September 25 UTC, interest starts accruing on September 26 and will be distributed between 04:00–04:15 AM UTC on September 27.

For Fixed Savings:
Total interest is calculated based on the maturity date.
Principal and interest will be distributed together to your Spot Wallet within 15 minutes after 04:00 AM UTC on the day following the redemption date.

Example:
If User B subscribes to a 7-day BTC Fixed Savings product on September 25 UTC, the principal and interest will be distributed between 04:00–04:15 AM UTC on October 3.

6. How do I subscribe to an Earn product?

Click Earn on the navigation bar, select the product you wish to subscribe to, and click Subscribe under the Action tab.

7. How do I redeem my funds from Earn products?

Click Assets, go to Earn, select the product you wish to redeem, and click Redeem under the Action tab.

8. What happens to my funds on the subscription day?

Users may subscribe to Earn products at any time (except 04:00–04:15 AM UTC).
On the subscription day, BitMart will deduct the subscribed amount from your Spot Wallet and transfer it to your Earn account.

9. What happens to my funds on the redemption day?

For Flexible Savings:
You may redeem your principal at any time (except 04:00–04:15 AM UTC).
The principal will be transferred to your Spot Wallet immediately.
Funds redeemed on the same day will not earn interest.

For Fixed Savings:
Funds cannot be redeemed before maturity.
Principal and interest will be distributed together to your Spot Wallet on the redemption date.

10. What is the Auto Subscribe feature?

When Auto Subscribe is enabled, the available balance of the corresponding token in your Spot Wallet (including earned interest and newly acquired assets) will be automatically subscribed to Flexible Savings every 24 hours.

Auto Subscribe records can be found under [Earn → History → Flexible].
You may enable or disable Auto Subscribe at any time under [Assets → Flexible Earn].

11. What is Flexible Yu’e Bao?

Flexible Yu’e Bao pays interest on deposited cryptocurrencies while allowing users to withdraw funds at any time.

12. What is Fixed Yu’e Bao?

Fixed Yu’e Bao pays interest on deposited cryptocurrencies with a fixed duration.
Funds must remain locked until maturity to earn interest.

13. User Risk Disclosure

By using BitMart Earn services, you acknowledge and accept all associated risks.

All digital asset investments, including Earn products, are highly speculative and involve significant risk. Past, theoretical, or simulated performance does not guarantee future returns.

BitMart does not guarantee returns on Earn products and does not promise that losses will not occur.
Digital asset prices may fluctuate significantly. You should carefully consider your investment objectives, financial condition, and risk tolerance before participating.

BitMart does not provide investment, legal, or tax advice.