Yield
Binance Earn
Binance is the world's largest crypto exchange by trading volume, founded by Changpeng Zhao (CZ) in 2017. Binance Earn is its passive-income arm: flexible and locked products across roughly two hundred assets, from stablecoins to…
Why this grade
- ✗ Regulation
Dubai VARA license, but in November 2023 DOJ/FinCEN/OFAC/CFTC settlement of $4.3B over money laundering, sanctions violations, and unlicensed money transmission. CZ stepped down as CEO. A separate SEC complaint was dismissed with prejudice in May 2025. Source →
- ✓ Proof-of-Reserves
Publishes monthly Merkle-tree PoR since November 2022. Covers BTC, ETH, USDT, BNB and others. Source →
- ✓ Flexible withdrawal
Flexible products are available for most assets. Locked products are clearly tagged. Source 1 → Source 2 →
- ✓ Insurance Fund
SAFU (Secure Asset Fund for Users) of $1B+, public reserve addresses. Source →
- ✗ Track record (2+ years incident-free)
World's largest exchange since 2017. In November 2023 Binance and CZ pleaded guilty to US DOJ charges (AML/BSA, unlicensed money transmission, sanctions violations); Binance paid a $4.3B settlement (DOJ/FinCEN/OFAC/CFTC) and CZ stepped down as CEO. Source 1 → Source 2 →
Incidents we count
Known incidents
2- November 2023 DOJ/FinCEN/OFAC/CFTC settlement of $4.3B over money laundering, sanctions violations, and unlicensed money transmission. CZ stepped down as CEO. Source →
- December 2022 On Dec 13 2022 paused USDC withdrawals for a few hours amid a rush of withdrawals (~$3B of outflows in a day) and a bank conversion delay during the post-FTX panic. Source →
All Binance Earn products
Yield products
as of Jul 17, 2026What would Binance Earn pay you?
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
Affiliate link · price for you doesn't change · we earn a commission from Binance Earn
Binance review: what this platform is
Binance is the world's largest crypto exchange by trading volume, founded by Changpeng Zhao (CZ) in 2017. Binance Earn is its passive-income arm: flexible and locked products across roughly two hundred assets, from stablecoins to small-cap altcoins, with a minimum deposit of just $1.
Infrastructure-wise, Binance sets the industry bar: the SAFU insurance fund exceeds $1B with public reserve addresses, and since November 2022 the exchange has published monthly Merkle-tree proof-of-reserves covering BTC, ETH, USDT, BNB and other assets.
The regulatory history, however, cannot be glossed over. In November 2023 Binance reached a $4.3B settlement with the DOJ and SEC over money-laundering and securities-law violations, and CZ stepped down as CEO. The exchange holds a VARA license in Dubai and a CBB license in Bahrain, but that episode remains the biggest stain on its track record.
The service is unavailable to users from the US, UK, Netherlands, Norway and Japan. This review is not investment advice — weigh the risks yourself.
How Earn works on Binance
The core product is Simple Earn Flexible: you deposit an asset, interest accrues daily, and you can withdraw at any time. Flexible mode covers most assets, while locked products are clearly tagged. The selection is among the widest on the market — from USDT and BTC to dozens of small-cap altcoins.
One thing Binance doesn't advertise loudly: Simple Earn rates are tiered. The attractive headline rate in the app applies only to roughly the first 200–300 USDT (the threshold varies by asset); everything above that earns the base-tier rate, which is several times lower. Our aggregator shows the honest base rate (marketApr) — the one that applies to your entire balance. That's why Binance looks "more modest" in our table than in its own app: it's not an error, just honest numbers for anyone depositing more than a couple hundred dollars.
Base rates on major assets are low: USDT and USDC sit around 1.4%, ETH around 1.6%, and BTC at a symbolic 0.03%. Double-digit APYs mostly appear on small, volatile altcoins — where price swings of the asset itself can easily wipe out the yield.
How to start on Binance, step by step
- 01Make sure Binance operates in your country (unavailable in the US, UK, Netherlands, Norway, Japan)
- 02Register an account and complete KYC verification
- 03Fund your account — the minimum is just $1
- 04Open Earn → Simple Earn and pick an asset; check the rate tiers — what you actually earn beyond the first few hundred USDT
- 05Subscribe to a flexible product — interest accrues daily and you can withdraw at any time
- 06Compare the base rate with other platforms in our table — on larger amounts the difference adds up
Should you park money here?
- +World's largest exchange by trading volume — top liquidity and around two hundred assets in Earn
- +Low entry barrier — from $1, with flexible products and no lock-up
- +SAFU insurance fund of over $1B with public reserve addresses
- +Monthly Merkle-tree proof-of-reserves since November 2022
- +Support in 9 languages, including Russian and Chinese
- −Regulatory baggage — the $4.3B DOJ/SEC settlement in 2023 and CZ stepping down as CEO
- −Tiered rates — the advertised rate applies only to the first ~200–300 USDT; everything above earns several times less
- −Base rates on major assets are low — USDT around 1.4%, BTC just 0.03%
- −Unavailable in the US, UK, Netherlands, Norway and Japan
- −In November 2022 USDC withdrawals were frozen for 8 hours after the FTX collapse — even the largest exchange can pause withdrawals
Compare Binance Earn with others
Asset-by-asset rates and risk grades