Binance's Earn products and financial products often confuse users. Let's clarify. Register on Binance and download the Binance app.
Simple Earn
The most basic yield product with flexible and fixed options. Flexible: deposit/withdraw anytime, lower rates. Fixed: lock for 30-120 days, higher rates. Revenue comes from Binance lending activities.
Financial Products (Broader Category)
Includes Simple Earn plus Dual Investment, ETH Staking, BNB Vault, structured products, etc. These have different risk profiles and yield mechanisms.
How to Choose
Safety-first: Flexible Earn. Can lock funds: Fixed Earn. Want higher yields with risk understanding: Dual Investment, structured products. Long-term BNB holder: BNB Vault (auto-participates in Launchpool).
USDT Yields (Reference)
Flexible: 1-5% APY. Fixed 30-day: 3-8% APY. Dual Investment: much higher APY but with conversion risk.
BNB in Earn: Triple Benefits
BNB in Flexible Earn simultaneously earns: interest, Launchpool new tokens, and HODLer airdrop tokens.
Risk Reminder
Token price volatility can outweigh interest gains. Don't put all assets on one platform.