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Making sense of Binance Earn: how Flexible, Locked, Staking and Launchpool work, and how returns are figured

Putting idle crypto to work — Flexible, Locked, Staking, Launchpool, Dual Investment, stablecoin yield. How each one actually works, how the return is calculated, how many days until you can redeem, and where the risk is hiding. Understand the structure first, then decide whether to put money in.

Referral code

BN1866
Go to Binance sign-up →

Invited new users who qualify can get up to 20% of their trading fees back. How much, on which products, in which regions, for whom and for how long is whatever Binance’s sign-up page says at the time, under your local rules. YieldStub is not Binance’s official site; the “Go to Binance sign-up” button is a referral link. Crypto products are not principal-protected and can lose value.

New to Binance · start with this one

How to Start Binance Earn: Sign-Up, Referral Code, KYC and First Deposit

Which screen the referral code goes on, what identity verification needs, and how to get your first USDT into Flexible, in order.

Illustration: a coupon clipped from a blank antique bond turns into coins dropping into a small wooden box, beside an hourglass
Principal
The crypto you deposit
Yield engine
Staking / lending / mining
Redemption
T+0 or locked for N days
Risk side
Price swings / floating APR
MethodLock-upLiquidityWhere yield comes fromMain risk
FlexibleNoneRedeem anytimeLending / stakingLow · floating APR
LockedN daysAt maturity / early redemption (up to 72 h)Fixed interestMedium · lose interest on early exit
StakingBy coinHas an unstaking periodOn-chain validation rewardsMedium · price + unstaking wait
LaunchpoolEvent windowRedeem anytimeFarming a new coinNew coin, big price swings
Dual InvestmentUntil settlementCan't cancelLike selling an optionHigh · not a "sure thing"
A qualitative comparison to help you tell them apart; actual rates, terms and rules always follow Binance's current page.
Risk terms · Read these before you put money in
Crypto earn products are not bank deposits, are not covered by deposit insurance, and are not principal-protected. Posted APR / APY figures fluctuate, and past returns don't predict future ones. When prices fall, the fiat value of your holdings can shrink even as your coin count grows. Locked and fixed-term products usually can't be pulled out before maturity, and exiting early typically forfeits the reward for that period. Structured and new-coin products like Dual Investment and Launchpool carry more risk and are not a "sure thing." Actual rates, terms, redemption rules and supported coins always follow what Binance's own page shows at the time. This is an independent third-party guide, not affiliated with Binance, and it does not give investment advice; whether to take part is your call, based on your own risk tolerance.
Written by the YieldStub desk · flows, rules and common issues checked against Binance's official sources Corrections / suggestions: [email protected] · Not affiliated with Binance