Crypto Earn: How It Works, Terms, Limits, And Rewards

Put your chosen cryptocurrencies to work in Crypto Earn to start collecting daily rewards and grow your digital assets with ease.

There are different ways people try to earn cryptocurrency. Common approaches include staking (locking tokens to help secure a blockchain network), lending (making assets available to borrowers in return for interest), and yield farming (providing liquidity in DeFi protocols to earn fees and incentives). Crypto Earn is an in-app earning program with published rates and term options, rather than DeFi liquidity provision, and the assets and rates you see depend on what is available to you in the App.

Earning products can help generate yield on idle assets, but the outcome depends on the rate, the amount allocated, and the asset’s price movement over time.

Note: CRO set aside in Crypto Earn is separate from Level Up CRO Lockup/Stake.

Find out more about the Level Up CRO Lockup/Stake program here.

Depending on your jurisdiction, you may be eligible to stake or lock up CRO for a 365-day holding period.

How to Participate?

• Open the menu in the top-left corner of the App home screen.

• Select Crypto Earn, choose your preferred token and term, then confirm your allocation.
• Once confirmed, rewards begin accruing immediately.

Who Can Join Crypto Earn?

Approved App users can participate, except citizens or residents of Hong Kong SAR, Switzerland, Australia, or Malta.

Allocation Terms and Annual Reward Rates

Choose from these holding options:

• Flexible term.
• 1-month fixed term.
• 3-month fixed term.

Users with a Level Up plan may enjoy higher annual reward rates.

Rates vary by token, chosen term, Level Up plan, total deposited amounts where tiers apply, and country of residence. Rates are reviewed periodically. Refer to the App for the latest figures.

Introducing Earn Plus

Earn Plus offers a simpler path to earn on supported assets with these advantages:

• No tier quotas. New Earn Plus terms do not consume tiered rewards capacity, and you receive the full rate up to the Earn Plus maximum allocation.
• Higher deposit ceilings. Per asset, each user can deposit the USD equivalent of 2,000,000 (combined fixed and flexible) and 500,000 (fixed term), regardless of Level Up plan.

USDC and USDT are currently available in Earn Plus.

Can I Create Multiple Allocations in Crypto Earn?

Yes. You may hold several active allocations so long as the combined total remains within these USD-equivalent caps:

Maximum by Level Up Plan (USD Equivalent):

• Private — US$500,000 plan: $2,000,000 maximum.
• Private — US$50,000 plan: $1,000,000 maximum.
• Pro and below: $500,000 maximum.

Can I Allocate Different Assets for Different Terms?

Yes, you can allocate different cryptocurrencies to different terms.

Allocation Limits for Crypto Earn

Maximum Limits:

• Private — US$500,000 plan: $2,000,000 USD equivalent.
• Private — US$50,000 plan: $1,000,000 USD equivalent.
• Pro and below: $500,000 USD equivalent.

The maximum limit above does not apply to USDC allocations.

Minimum Allocation Per Asset:

For Flexible terms, rewards pause if your balance drops below the thresholds below and resume once it rises above them.

Minimum Threshold (Flexible Only):

How Are Daily Rewards Calculated?

Calculations run daily at 00:00:00 UTC.

APY (Annual Percentage Yield) is the annualized return expressed as a percentage. In Crypto Earn, the displayed annual rate is applied to calculate daily accruals; any additional compounding depends on what you do with rewards after they are paid out (for example, if you re-allocate paid rewards into a new allocation, your effective yield over time can increase).

Fixed term: Daily reward = amount allocated (in the original asset) × (annual rate ÷ 365).

Example: With a Level Up plan, a 1‑month term, and 1 BTC allocated, the daily reward is 1 × (1% ÷ 365).

Flexible term: Daily reward = minimum daily balance × (annual rate ÷ 365). The minimum daily balance is the lowest balance recorded between 00:00:00 and 23:59:59 UTC each day.

Earning a specific daily amount (for example, US$100 a day) depends on how much you allocate, the asset you choose, the APY rate available for that asset and term, and market conditions that affect the USD value of your holdings and rewards. As an illustration using simple annualized math, US$100 per day is about US$36,500 per year: at 5% APY you would need roughly US$730,000 allocated; at 10% APY, about US$365,000; at 20% APY, about US$182,500. These are examples only, and actual results can vary due to rate changes, eligibility rules, and price volatility, and you may lose money.

Notes:

• Flexible-term rewards begin accruing the day after you allocate.
• If your Level Up plan changes mid-term, the annual rate updates for the remainder of the term.

When Will I Receive Rewards?

Your accumulated rewards are paid every seven days to your Crypto Wallet and are available immediately.

What Currency Are Rewards Paid In?

Rewards are typically paid in the same currency you allocated (for example, BTC in, BTC out). For STX allocations, rewards are paid in BTC.

You can buy or earn very small amounts of BTC because Bitcoin is divisible into fractions called satoshis (1 BTC = 100,000,000 satoshis). In practice, the smallest amount you can acquire or move may be affected by minimum purchase amounts, minimum withdrawal sizes, and transaction or network fees, which can be larger than US$1 depending on the method and conditions.

Ways to get a small amount of BTC can include purchasing a fractional amount in an app or exchange, receiving BTC as rewards or cashback where available, or earning small payouts through promotional campaigns. Availability, limits, and fees vary by region and product.

Where Can I View Accrued Rewards?

See daily earnings for active allocations on the Crypto Earn home screen under Total Earnings.

What Happens If I Upgrade My Level Up Plan?

Your higher annual rate takes effect the following day and applies to existing terms for their remaining duration.

Effective 5 September 2025, Level Up Private — US$50,000 and Level Up Private — US$500,000 users receive an extra 1% p.a. and 2% p.a., respectively, on fixed-term allocations. The extra rewards are paid in CRO.

This does not apply to CRO or to assets available under Earn Plus.

What Happens at the End of a Fixed Term?

When a fixed term ends, your allocation returns automatically to your Crypto Wallet in the App.

If you withdraw before a fixed term ends, you receive your original deposit minus any rewards already paid. For STX, the deduction may use the latest market conversion rate or be taken directly from your BTC Crypto Wallet.

Amount Returned = Original Deposit − Total Rewards Paid Out

CRO fixed-term allocations cannot be withdrawn early.

How Do I Withdraw From a Flexible Term?

• On the Earn screen, open the Portfolio tab.
• Select the Flexible term you wish to withdraw from.
• Tap Withdraw and enter the amount.
• Confirm the withdrawal.
• The withdrawn assets are returned to your Crypto Wallet in the App.

Tiered Rewards Structure: How Tiers Apply

Tier 1 (full rate): Earn the full rewards rate on allocations up to US$3,000. This quota fills first and is based on the USD value and order at allocation time.

Tier 2 (0.5× Tier 1 rate): After Tier 1 is filled, the next US$27,000 of allocations earns half the Tier 1 rate.

Tier 3 (0.3× Tier 2 rate): After a combined US$30,000 in T1 + T2, any further allocation earns 0.3 times the Tier 2 rate.

Notes:

• Tiers apply only to fixed terms. Flexible allocations are unaffected.
• Rates are locked when a term is created and remain unchanged for its duration. However, price movements can change your remaining Tier 1 and Tier 2 capacity. For example, with US$3,000 Tier 1 available, a US$2,000 BTC allocation leaves US$1,000 Tier 1; if that BTC later values at US$3,100, Tier 1 becomes fully used; if it drops to US$2,500, US$500 Tier 1 is available again.

Examples:

• No active tiers; T1 remaining US$3,000; T2 remaining US$27,000; new allocation US$3,000 → Tier 1 rate.
• T1 used US$3,000; T2 remaining US$27,000; new allocation US$10,000 → Tier 2 rate.
• T1 remaining US$3,000; T2 remaining US$27,000; single allocation US$3,100 → Tier 2 rate for the entire amount. You may split allocations to optimize earnings.
• T1 remaining US$3,000; T2 remaining US$27,000; single allocation US$30,200 → Tier 3 rate for the entire amount. You may split allocations to optimize earnings.
• T1 used US$3,000; T2 used US$27,000; new allocation US$1,000 → Tier 3 rate.
• T1 remaining US$1,000; T2 used US$27,000; new allocation US$1,000 → Tier 1 rate because Tier 1 fills first.

Holding options remain the same (Flexible, 1‑Month, and 3‑Month). Users can still access better rates via Level Up, and Level Up Private users continue to receive an extra 1% p.a. or 2% p.a. on fixed-term allocations, paid in CRO.

Impact on Existing Fixed-Term Allocations

The new three-tier structure applies only to allocations created from the effective date. Fixed-term allocations opened earlier keep their original rates but still count toward Tier 1 and Tier 2 quotas.

Examples:

• Existing US$2,500 allocated; Tier 1 remaining US$500; Tier 2 remaining US$27,000; new US$400 → Tier 1 rate.
• Existing US$25,000 allocated; Tier 1 remaining US$0; Tier 2 remaining US$2,000; new US$1,000 → Tier 2 rate.
• No existing allocation; Tier 1 remaining US$3,000; Tier 2 remaining US$27,000; new US$3,300 → Tier 2 rate. You could first allocate US$3,000 at Tier 1, then US$300 at Tier 2.

Note: Tier rates are based on the latest published rates table.

Flash Rewards

What Are Flash Rewards?

Flash Rewards are short-term promotional earning opportunities on selected tokens. The special rate is available for a limited time, and lockups are brief, such as 7 or 14 days.

How Do Flash Rewards Work?

From the Crypto Earn screen, you can join active Flash campaigns with these parameters:

• Campaign coin: the asset you allocate for the promotion.
• Campaign period: when the offer is active.
• Term length: a short lockup, typically 7 or 14 days.
• Rewards rate: the promotional APY offered.
• Maximum per user: the cap each participant can allocate per program.
• Minimum per user: the smallest amount required to open a Flash program.
• Aggregate campaign cap: availability ends when the total cap is reached or when the period ends.

Important Notes for Flash Rewards

• Flash Rewards are excluded from tiered rewards. Flash allocations do not consume tier quotas, and users who have filled Tier 1 remain eligible for Flash promo rates.
• Only one active Flash program per user at a time. After completion, you may start another if the campaign remains open and under its cap.
• Flash campaigns are unavailable to residents of the United States, United Kingdom, Japan, or Korea, and to regions where Earn is not offered. Additional geographic restrictions may apply.
• Eligibility requires completed KYC and other onboarding steps in the App.
• Users who already reached the overall Earn allocation maximum are not eligible.
• Flash rewards are paid every seven days to your Crypto Wallet and are available immediately.
• Information above is for reference only. may amend or cancel campaigns at its sole discretion. By accepting rewards, you agree to ’s Privacy Notice. In case of dispute, ’s decision is final.

Maximise Rewards With a Click

What Is Maximise Rewards With a Click?

Maximise Rewards With a Click lets you allocate tokens from your Crypto Wallet to supported Earn features in one go, saving time and helping you join the most rewarding options in the App.

*Features available under the Earn tab in the App.

How Does It Work?

The tool scans your Crypto Wallet and lists eligible tokens based on term and limit rules. Then you can:

• Filter by term, such as Flexible or up to one month.
• Select the tokens you want to allocate.
• Review an estimated total reward.
• Confirm all selected allocations with a single tap.

Which Tokens Can I Allocate?

Only tokens eligible for an Earn program appear. Ineligible assets are filtered out based on your balance, region, and other applicable conditions.

Crypto Earn can support a range of assets that may include the following (shown in the App where you are eligible):

Are There Any Additional Fees?

No extra fees apply beyond any standard charges of the specific Earn feature.

Is There a Maximum Number of Tokens I Can Allocate at Once?

No. You can allocate as many tokens as you like at once, subject to each feature’s allocation limits and supported assets.

Can I Cancel or Modify the Allocations?

You can edit or cancel before final confirmation. After confirmation, allocations follow the feature’s policies and cannot be changed or reversed.

Will I See a Reward Estimation?

Yes. You will see an estimated total reward before confirming. Actual results may vary due to price changes and other factors.

Where Is Maximise With a Click Available?

Availability depends on your jurisdiction. Both the relevant Earn features and the Maximise With a Click tool must be supported in your version of the App.