OKX "Trading Account Automatic Coin Earning" Function Profit Estimation

Have you ever had this experience too —

After calculating and meticulously setting up the limit orders, you wait eagerly for the opportunity to make a big profit, but the market just won't cooperate; or just as you take a position, the market seems to be watching you, always moving in the opposite direction. It's not just the position that's losing, but also the capital that could have earned interest. At this moment, you look over at the wealth management player next door, who steadily earns interest every day without even watching the market, and you can't help but feel "what a genius."

As a trading player with "small goals in mind", you are either hanging orders waiting for execution or holding positions waiting for the "judgment" of the market, but the utilization rate of funds is painfully low year after year. Even more helplessly, if you want your funds to generate interest, you have to switch to wealth management; however, when an opportunity arises, the funds are locked and cannot move, leaving you to watch the market slip away from your hands. This time, OKX has launched the "Automatic Earnings on Trading Account" feature, directly overturning this old pain point – allowing you to earn interest while hanging orders, ensuring that the margin can also generate money online, with trading and wealth management not needing to be one or the other.

Next, let's dig deeper into this product and see how much profit OKX traders can actually make by doing nothing?

1. Trading funds can also be automatically managed

(1) Quickly Understand "Trading Account Automatic Coin Earnings"

What is an automatic earning account for trading? In a nutshell, it allows your funds to earn interest automatically while you trade. However, this product currently only supports USDT, and it will automatically lend out your idle assets (full USDT positive equity) in your trading account to earn returns, without affecting trading, margin, and staking. The lending targets are leverage borrowing users and on-demand borrowing users within OKX, thus ensuring the entire process is safe and transparent.

What is the full margin positive equity of USDT? Simply put: it is the total amount of assets in your trading account that are linked to USDT, with an initial cap of 1,000,000 U. It mainly includes available balance (the USDT that can still be used for trading), floating profit and loss (how much you have earned or lost on the full margin contract denominated in USDT that you hold), frozen margin (the USDT that is locked when trading full margin contracts), and occupied funds (the USDT that is locked when placing spot or limit orders).

Give a few examples:

When trading contracts: In Xiaoming's OKX trading account, there are 200 USDT idle, with the full margin for contracts being 100 USDT and a profit of 60 USDT. Therefore, the total USDT available in Xiaoming's account for earning coins (full margin positive equity) is: 200 + 100 + 60 = 360 USDT.

When placing a spot order: In Xiao Hong's OKX trading account, the total margin for the full position contract is 200U, with a loss of 40U, and the spot order occupies 100U. Therefore, the total USDT available in Xiao Hong's account for earning coins (USDT full position positive equity) is: 200-40+100=260U.

Therefore, whether for trading users or holding users, the idle USDT in the trading account can automatically earn interest.

2. Income Estimation

In simple terms, as long as your trading account has a full positive balance of USDT, you can enable the "Automatic Earning from Trading Account" feature at any time. Once enabled, these funds will participate in bidding along with your assets in Simple Earnings, according to the annual interest rate you set, lending to users who need to borrow USDT for leveraged trading or for spot borrowing. If the bidding is successful, you can start earning interest, and the entire process is automated, without disrupting your normal trading. Therefore, the returns from OKX's "Automatic Earning from Trading Account" can be understood as the returns from Simple Earnings (spot).

OKX APP data shows that from August 11, 2024, to August 10, 2025, the average annualized return for USDT Simple Earn is 5.70%. During this year, the yield fluctuated significantly, peaking at 26.35%. Under certain special market conditions, the annualized return could even spike to around 50% during certain periods of the day, several times higher than usual.

(1) 5 ten thousand U, 10 ten thousand U, 50 ten thousand U Position Profit Calculation Table**

Next, select several relatively reasonable average annualized returns of 1%, 9.67%, 8.45%, and 5.7% to calculate the returns for "Trading Account Auto Earnings."

Since the APY is subject to fluctuations, changing in real-time according to the currency and product, users need to refer to the OKX Simple Earnings product page for the official rates. However, it is not difficult to see from the table above that:

Better for large funds: The higher the yield, the more significant the return gap brought by large funds will be. Take 100,000 U as an example; when the annualized rate rises from 1% to 9.67%, the daily interest earned increases from 2.74 U to 26.49 U, resulting in an annual return skyrocketing from 1,000 U to 9,670 U. As long as the annualized rate increases by a few percentage points, the returns can grow.

(2) Comparison of Major Global Investment Methods

In addition, by comparing with major global investment methods such as bank deposits, index funds, and DEFi yields, one can further understand the income level of "automatically earning coins in trading accounts."

Yield Advantage: The annualized yield provided by OKX's trading account for automatic coin earning is leading among mainstream financial management methods globally. According to the analysis above, its interest rate level is often higher than the market average. Taking the stablecoin USDT as an example, during periods of strong borrowing demand, the annualized yield for OKX's flexible coin earning soared to 49%, far exceeding the return rates of traditional financial products such as bank deposits, demonstrating a significant comparative yield advantage.

Liquidity Advantage: The OKX trading account automatically earns coins while enjoying high liquidity and revenue advantages. With one click, it can automatically generate interest without changing trading habits, allowing USDT used for orders or as margin to continuously earn returns, ensuring funds are no longer idle. Once activated, the funds can still participate in trading at any time, achieving a seamless switch between wealth management and trading, providing safety, peace of mind, and almost zero operational burden, allowing users to react instantly when opportunities arise and ensure stable returns.

3. Entry and Use

The OKX trading account automatically earns coins and is currently mainly open to VIP1 and above users. It currently only supports USDT (more currencies may be supported in the future). Whether you are using spot trading, contracts, cross-currency margin, or portfolio margin mode, you can enable it. The system will automatically calculate the number of coins you can earn based on the total equity and remaining available balance of USDT in your account. Once activated, no manual operation is required; the system will automatically adjust according to the changes in your account funds, and it will not affect your normal trading.

Entry Point One: You can directly access through the landing page:

Open Entrance Two: OKX APP: ① Trading Page Assets Tab ****(****VIP ** users and **USDT ** full margin equity must be positive to view); or, ② Assets **→ Trading Assets.

After enabling this feature, users can set their own lending rates and view historical rate trends, frequently asked questions, and product introductions. When confirming the order, the system will remind you: USDT cannot be turned off within 24 hours after enabling automatic earning. During this period, funds within the total lending amount cannot be transferred or withdrawn, nor can they be used for borrowing or withdrawing, but other trading operations will proceed as usual and will not be affected.

2. After enabling, you can view the current earning coin status on the asset page, including the lending status, quantity, and interest rate, and you can adjust the lending interest rate at any time and view historical earnings.

4. Summary of Use

OKX's "Automatic Currency Earnings for Trading Accounts" allows your idle USDT in the account to automatically earn currency without delaying trading or affecting margin use. Once set up, it can run continuously, with interest settled hourly and credited in real-time. You can see the changes in earnings at any time, ensuring that both trading and earning currency can proceed without interruption. The platform also provides risk margin and quota control, making your funds safer while earning currency. For trading users, these financial returns further help reduce trading fees.

Overall, this feature integrates the previously separate "trading" and "earning coins" into one, allowing users to maintain both capital flexibility and profit growth within a single account. For users, it enables them to seize market opportunities without letting their capital remain idle; for the industry, this represents an upgrade in capital utilization methods, potentially enhancing the overall market liquidity and capital efficiency, and may also change the competitive landscape of exchanges.

Disclaimer:

This article is for reference only. It only represents the author's views and does not represent the position of OKX. This article does not intend to provide (i) investment advice or recommendations; (ii) offers or solicitations to buy, sell, or hold digital assets; (iii) financial, accounting, legal, or tax advice. We do not guarantee the accuracy, completeness, or usefulness of such information. Holding digital assets (including stablecoins and NFTs) involves high risks and may fluctuate significantly. Past performance does not indicate future results, and past results do not represent future outcomes. OKX bears no responsibility for any potential losses. You should carefully consider whether trading or holding digital assets is suitable for you based on your financial situation. Please consult your legal/tax/investment professionals regarding your specific circumstances. You are responsible for understanding and complying with applicable laws and regulations in your local area.