What is Binance Savings? How To Use Binance Savings-Beginner Guide
This article will guide you on Binance Savings and how to use Binance savings.
While the savings rates on bank balance are declining rapidly, many investors who don’t want to trade are looking for alternatives to provide them with the most considerable profits.
The average bank savings account today yields about 0.02% annual interest. It indicates that the 1,000 Dollars you submit on 1 January will have delivered no less than 20 Dollars on 31 December. Nobody is happy with such savings unless you have a tremendous amount of money to put in the bank and earn some decent returns.
Banks also put various constraints on your balance. You cannot withdraw your balance until some specific date; there are maturity periods and other restrictions, while in Binance savings, there are no confinements.
Do you think trading in crypto might be a little baffling and unpredictable? Then consider crypto Savings at Binance.
What is Binance Savings?
Binance Crypto Savings is the lending of cryptocurrency to Binance. In plain words
you give your crypto to Binance, and Binance gives you rewards for that while you do nothing.
Binance saving works like banks. You transfer money to banks, and they invest your money in various projects or whatever they like but deliver you some percentage of profits. The same is the case with Binance savings, You give your digital cash to Binance, and they pay returns on that; more often, these returns are more excellent than bank interest rates.
Interest is calculated for borrowing and lending money. When you borrow money, you pay interest. And when you lend money, you receive interest. So the theory is not so complex to understand.
You’re lending your crypto to Binance. For that, you gain a certain fee, and that fee is your interest.
The drawback is that the return may not be as high as you could earn from trading crypto, but the benefit is that you face considerably lower risks than trading cryptocurrencies.
The term Binance Savings should not be confused with Binance Margin.
Savings are where you lend crypto to Binance. There is a different way where you can borrow crypto from Binance, and that is Binance Margin.
With the aid of the Binance margin, you can trade crypto with borrowed money from Binance.
But Binance Savings is the exception where you lend your crypto to Binance and obtain a fee for it.
Binance currently had two live versions of Binance Savings.
They are Flexible Savings and Locked Savings. We’ll explain both kinds of Binance Savings.
The term flexible saving speaks for itself. With flexible savings, you have your crypto at your disposal.
You can withdraw your funds, or you can trade with your flexible savings funds.
By flexible saving, you can make profits by lending your crypto to Binance.
Binance flexible saving interest is calculated daily. If you try to pull out your funds before daily interest payment, you will get nothing. Make sure to withdraw or trade with your flexible savings funds after the time of interest payments.
It is possible to lend more than forty different types of crypto on Binance flexible savings.
How To Use Binance Flexible Saving?
I will lead you all together on how to earn with Binance flexible savings.
Binance Flexible Deposits
As you can see in the picture, the annual interest rate (APY) varies per coin.
Depending on your interest, you can pick the coin you want to lend to Binance and start.
Keep in mind that every coin has its daily quota. Therefore, it is not permissible to deposit 100 Bitcoin on one day, but you will find a limit on every coin on Binance Savings (flexible).
You can see how much space there is left to lend any crypto. If there is an opening, you can invest in your wanted cryptocurrency.
Now I will guide you on options you have when you decide to lend your crypto to Binance for a flexible period.
First of all, choose from the coins available. For example, we want to lend Binance USD coin (BUSD) to Binance.
Click the yellow button “Transfer” OR “subscribe” behind the coin BUSD.
A new window will open.
Enter the number of BUSD you want to lend to Binance savings, agree to the Terms & Conditions, and click on “Transfer.”
Your amount is assigned to Binance flexible savings, and you will commence earning fees as rewards.
How Do You Get Your Crypto Out Of The Flexible Savings?
You can take your crypto out of the flexible savings every day between 00:10:00 and 11: 50 (UTC).
In the other 20 minutes, the interest calculation and award distribution will take place.
You have two distinct ways of getting your crypto out of the savings funds. You do this by clicking on “Redeem” in the asset tab; there are two steps of redemptions.
With the Standard redemption choice, you prefer to finish the current day and get the crypto paid at the end of that day. By doing so, you earn interest on the present day.
With the Fast redemption option, you choose not to finish the current day and immediately terminate your savings. Any accrued interest on that day is not paid. You will take the crypto back to your account in 30 minutes.
Binance Locked Savings
The counterpart of the flexible savings is the Locked Savings. Here you lend your crypto to Binance for a fixed term. The fixed Binance savings has advantages (compared to the flexible savings) for both parties.
Advantages of Locked Savings
- You recognize precisely how much interest you get paid.
- You know exactly when you’ll get your crypto back.
- Binance identifies that they have access to your crypto for this particular period.
- Binance is not at risk of the crypto removed from its portfolio in the meantime.
As you lock your crypto for a particular time, the interest you earn over your crypto is also more engaging.
This makes it appealing to give up your crypto to Binance fixed savings.
It is currently possible to lend more than fifteen different cryptos to Binance for a fixed time.
Again, the interest rate diversifies from one coin to another, but it also depends on the number of days you are prepared to lock up your assets.
Commonly speaking, the longer you lend it, the bigger the interest rate.
A period of 30 days of one coin yields more interest than a lock up period of 14 days.
How To Use Binance Locked Savings?
Unlike the Flexible Savings, you can’t fill the Locked Savings 24 hours a day.
Binance opens a circumstantial timeframe for locked savings, in which investors can elect to lock down their crypto for a longer period.
The more extended period is the choice between 7, 14, 30,60, or 90 days.
As the cryptocurrency markets are rapid in price movements, the principal drawback of Binance locked savings is that numerous changes can come at the prices of coins even in the least requirement of 7 days period.
It might make you less satisfied when you see the prices of crypto going down, and you can’t touch your holdings of coins because they are currently fixed for a few percent return.
So it is solely up to you whether you want the fixed savings or prefers flexible savings.
If you desire to go for the fixed savings, that’s how you do it.
How do you lend crypto on Binance Fixed Savings?
Binance reveals particular coins for locked savings. When the subscriptions of these coins open, you need to avail of these subscriptions before it closes.
When the subscriptions open, there are comprehensive details on interest rates and lock-up time.
Other than subscriptions, there are coins open that you can subscribe to at any time. You don’t need to wait for any opening period for depositing these coins.
But prominent names like BTC, ETH, BNB locked saving are subscription-based and are not open daily.
- To avail, Binance locked savings go to “Finance” at the top of the page and click “Savings.”
- From the “Savings” Page, go to Locked savings.
- You will notice a listing of coins that are open for Locked savings.
- Select your coin and click “Transfer.”
A window, as shown above, will open.
- Pick the number of days for locked savings.
- Enter the lot size. For USDT, one lot is equal to 100 USDT.
- Conform to the terms and conditions and click “Transfer Confirmed.”
- That’s it, Your crypto will lock for a specific period, and you will begin earning interest.
Main Terms In Binance Locked Savings
Subscription: the time window in which you can decide to join your desired coin.
Lot Size: The number of coins considered to be one lot.
Individual Max: Maximum number of lots you can register.
Coupon by Lot: The interest you receive after the full maturity by ‘lot.’
Value date: The date your fixed savings is starting.
Redemption Date: The day on which the funds and interest are paid out.
Expected interest: How much interest you are expected to earn.
Which Crypto Coins are Available On Binance Savings?
It is possible to join many coins in Binance Savings. Of course, the nobler coins are practically covered, but smaller coins are also present for savings.
Available Crypto For Flexible Savings
It is likely to lend different types of crypto on Binance for a flexible period.
The list keeps on growing with time as more and more coins are added frequently. Current coins ready for crypto savings are:
Available crypto for Locked savings
Locked saving is often subscription-based. Top coins that keep on coming for Binance Locked savings are:
Binance is working to produce many innovations in crypto markets. They have a separate division of research and investment where Binance is continuously trying to make advancements in cryptocurrencies. Binance is not merely a cryptocurrency exchange, but they are more than that. They are invariably bringing new techniques to earn from cryptocurrencies. Binance savings are only part of Binance investment opportunities for users.
Binance offers a Binance launchpad, Binance pool, Liquid Swap, Binance staking, Binance Launchpool, and many other investment techniques, where users can gain generous rewards without trading cryptocurrencies.
When investing in Binance savings, the only risk is that price of cryptocurrencies may fall. At the same time, your assets are locked for a fixed period, the rewards you gain may not be notable enough to cover the losses of price falls; in such case, users who don’t want any risk exposure should stake stable coins USDT, BUSD.
By doing so, there will be no uncertainty of unfavorable price changes. The rewards earned on stable coins are less than other cryptocurrencies, but it is more satisfying to make something while doing nothing with your crypto.
Binance savings is worth trying, You have nothing to loose in Binance savings, you will get decent profits on your cryptocurrencies.
Frequently Asked Questions
How To Manage Your Crypto During The Savings Period?
During the savings period, you can see your cryptocurrencies in the “Assets” tab. It will furnish you with a summary of your current deposits.
You can see the total amount submitted, the amount available for withdrawing, the cumulative quantity of interest you have made so far, and the interest rate for each coin.
What Happens After Binance Savings period Expire?
After the Binance savings period expires, you can withdraw your principal amount along with the interest you earned with a single click.
Can I get Staking Rewards In Addition to Binance Savings Interest?
No, when you put your crypto funds in savings, you can’t get Staking rewards. It’s either one or the other.
How To Lend Crypto On Binance?
Binance lending is now with the name of Binance savings. This article guides you thoroughly on how to lend crypto in Binance flexible savings and fixed savings.
EARN Crypto ➡ Daily Interest Payout + No Lockup = Binance Savings 2023
Binance Savings is a Binance Earn product that lets you earn interest on your cryptocurrency. Earn yields on over 120 coins with no lockup. Or lockup your coins to boost your yields even further.
Binance offers both Flexible Savings and Locked Savings, meaning you can choose whether you have a lockup period or not. Of these two choices, Locked Savings tend to provide the best return, but as a trade-off, once you subscribe, you won’t be able to access your funds until the subscription period is over.
Binance also offers a third Savings method called “Activities”. Binance’s Activities are limited time, limited supply, high demand, and high yield locked savings opportunities. Unlike regular Locked Savings, which are offered on an ongoing basis, Activities require you to quickly subscribe when an opportunity arises due to their supply typically being capped! Otherwise, such Activities work pretty much the same way Locked Savings do.
Below, we will discuss each Binance Savings method in detail to help you understand its use case and then go over some other important information related to Binance Savings. For more ways to earn interest on Binance, see our Binance Earn overview.
Binance Flexible Savings
Binance Flexible Savings offers an opportunity to earn interest, paid daily, on over 120 crypto assets.
While Flexible Savings returns are much lower than Locked Savings and many other Earn options, Flexible Savings has some very notable benefits and is likely a product you’ll use every day once you understand its potential.
- First off, Flexible Savings products include some big-name coins that you are likely to hold anyway, like BTC, BUSD, and USDT.
- Second, Flexible savings funds can be subscribed to and redeemed at any time instantly, which means that you always have access to your funds when you need them.
- Lastly, interest is paid daily with Flexible Savings. So you will get to compound your gains on a daily basis!
To make sure your interest is compounding, turn on “Auto-Transfer” in your Earn wallet. Turning on Auto-transfer will move the corresponding asset (including your interest and new token purchase) in your spot wallet to your Earn wallet every 24 hours. You can find the auto-transfer history by going here:
- Earn History
While it is hard to argue that your long-term holds are better off in a Flexible product than a Locked Savings product or other Earn options, your short-term liquid capital can really benefit from the flexibility.
Furthermore, you won’t always have a Locked Savings or other Earn option for a given cryptocurrency, so Flexible savings will be a good backup, especially in those cases.
Binance Locked Savings
Binance Locked Savings products offer a high return for a lockup period of 7, 30, 60, or 90 days depending on the product. They also provide a “one-click” option to switch to Flexible Savings after the lockup period.
Binance Locked Savings products notably offer much higher Annualized Intrest Rates (APR) than Fixed Savings. However, unlike Flexible Savings, you will have to lock up your crypto to get those high yields.
Consider, at the time of writing this BTC Locked Savings is 7% for a 90-day lockup, while Flexible Savings is 0.5% with no lockup. Meanwhile, BUSD is 4.5% for a 7 day lockup, and BUSD is 0.8% with no lockup.
In both cases, Locked Savings offers much higher rates!
In other words, in terms of raw interest rates, Locked Savings is a no-brainer. However, if you are trading or need more immediate access to your capital for any reason, or if a Locked Savings product is currently sold out, then looking at the Flexible Savings options or other Earn options makes sense.
On that note, when you see a subscription option for a coin you are holding, don’t forget to take advantage of the lockup quickly. Since Locked Savings products can sell out, it can make sense to lock your funds for the maximum number of days when you have the chance, especially if you plan on holding that coin anyway!
Binance Activities are special products offered by Binance’s token partners that are similar to Locked Savings.
Binance Activities tend to be some of the highest yields of all the Earn products on Binance. This is especially true for single-asset Earn products (as dual-asset Earn products like Dual Investment tend to have the best yields).
The main drawbacks of Activities Savings products are that they are infrequently offered and are limited supply and high demand. Plus, they are often offered on tokens you might not be holding anyway.
Still, if you happen to hold one of these coins or want to buy it for the Savings opportunity, the yields tend to be unbeatable.
For example, at the time of writing this, a 182.50% Annualized Interest Rate offered for FRONT for a 30-day subscription period had just recently ended. Unsurprisingly that product was almost fully subscribed to when it was offered.
In short, make sure to keep your eye out for special Activities to take advantage of the impressive rates! Then, of course, if you do find one, make sure to act quickly!
How to Use Binance Savings
In this section we will explain How to Use Binance Savings to start earning a passive income from your crypto.
First, to access Binance Savings you’ll need a Binance account and some crypto assets. So if you don’t have a Binance account already already, use our Binance referral code SRC2N1F2 to get a 20% discount on trading fees for life (see our Binance Referral Code Review for more on how to save on Binance).
After your account is created, follow the directions below to get started with Binance Savings.
To access Binance Savings:
- Log in to your Binance account.
- Click “Finance” and select “Binance Earn” from the drop-down menu.
- Scroll down to “Savings” and click “View More”. You can also simply access it via this link: https://www.binance.com/en/savings.
- Subscribe to any available Savings products by clicking the “Subscribe” button and choosing the duration and amount.
Remember though, if the product you have chosen has a duration, you’ll need to wait until the redemption date to gain access to your funds. Otherwise, you’ll simply need to redeem your funds back to your spot wallet when you are ready to trade with them again.
Binance Savings Tips and Tricks
Knowing how to use Binance Savings is important, but to maximize your returns it’ll help to know a few tips and tricks.
Below are some of the most important things to know when it comes to getting the most out of your savings products:
- Locked Savings, including Activities Products, require you to lock up your funds for the subscription duration.
- Flexible Savings interest rates can change. Locked Savings and Activities rates are locked in for the duration of the subscription.
- The Binance savings products you have subscribed to can be viewed and managed in your Earn wallet. To find your Earn wallet, choose the “wallet” drop-down at the top of the screen and select “Earn”.
- When you redeem, your funds will go back to your spot wallet, and when you subscribe, they will be removed from your spot wallet. So make sure to redeem before you try to do any trading.
- You can automatically switch from Locked Savings to Flexible Savings after a subscription period by toggling the button next to the words “Automatically renew with Flexible Savings” when you subscribe to a Locked Savings product.
Binance Savings Terminology
Below are some of the most important terms to know for Binance Savings products:
Activity Duration: The duration of the lockup period of the product in days.
Annualized Interest Rate: The percentage yield you would make if you were subscribed for exactly one year.
Auto-subscription: Turning on Auto-subscription will automatically switch you from a Locked Savings to a Fixed Savings product when the duration of the Locaked Savings product ends.
Auto-Transfer: Transfers a given asset in your spot wallet to your Earn wallet every 24 hours.
Coin: the crypto asset you are subscribing to.
Estimated Annual Yield: The estimated percentage yield you would make if the current interest rates remained unchanged.
Flexible Interest Per Thousand: The amount of a coin you would earn over a day if you invested a thousand units.
Lot Amount: The amount of an asset you are subscribing with.
Lot Size: The total lot amount.
Individual Max: the maximum lot amount per user.
Interest Per Lot: The amount of interest you’ll earn per lot over the duration of the subscription.
Redemption Date: The date at which a subscription ends and the subscribed funds plus the interest earned can be redeemed. Redemption options include Fast redemption, which allows redemption up to a capped amount immediately, and Standard redemption, in which your funds are returned the next day (you still get interest for the extra time, and there is no cap). Please note the capped amount is very large and will only impact very large accounts.
Status: The amount of time remaining to transfer funds to an Activities product.
Subscription progress: A measure of how much room there is left in an Activities product.
Value date: the date when your asset start to calculate interest
Yesterday’s Flexible APY & Trend: The Estimated Annual Yield from the previous day and the trend of that yield. Flexible Savings products yields can change over time.
Binance Savings is, in many ways, the core bread and butter interest-bearing product for Binance. While we are big fans of other Earn products and think each has its place in your interest-bearing strategy, Binance Savings is by far the simplest and most accessible.
Many Earn products have additional risks and considerations that require thought and planning, while Savings products, especially those with no lockup, offer very little potential downside.
As an investor, it is hard not to be happy with the Locked Savings products, and as a trader or investor, there is little excuse for not toggling on the auto-transfer option for your coins and ensuring your crypto assets remain productive while you hold them.
For this reason, we would strongly urge any Binance user to take the time to browse their Savings options and start incorporating them into their everyday crypto strategy.
At the end of the day, it is hard to argue against earning interest on coins that are sitting in your wallet anyway, and Savings products offer the simplest method for this.
How to Earn a Passive Income on Binance.com
A complete beginners guide to earning passive income with your crypto on Binance by introducing you to the Binance Earn system which involves staking, savings, liquidity pools, launch pools, mining and more.
The Oracle of Omaha also known as Warren Buffet once said: “If you don’t find a way to make money while you sleep you will work until you die”. This man is the god of investing and he knows what he is talking about. Making your money work for you to generate more money should be your ultimate goal. Luckily, the crypto world offers a lot of possibilities for this, and no place offers more opportunities than the largest Crypto exchange in the world: Binance.com.
What is Binance.com?
Binance.com is the largest crypto exchange in the world with regard to trading volumes and has been the highest ranking exchange for some time now. If you do not already have an account on Binance.com you can create one here and get a lifetime 10% trading fee discount:
In addition to being the biggest platform it is also one of the absolute cheapest when it comes to fees. This includes trading fees, withdrawal fees, staking fees, transfer fees, and credit card deposit fees, all way below industry average.
On top of all this, you have the Binance Earn system which simply put is amazing, and is what you are here to learn more about.
What is Binance Earn?
Binance Earn is a section of the Binance platform where you can discover ways to further grow your portfolio. This is particularly interesting for coins and tokens that you have invested in with a long term perspective in mind. Basically, instead of letting your crypto sit idle you put it to work for the duration of its stay in your portfolio. The most common way of doing this is by Staking.
1. Locked Staking
If you have a long term perspective on your crypto investments it obvious that earning an interest on your investment is better than just having your funds sitting there and doing nothing.
What is staking?
By staking your coins you are supporting the operations on the specific blockchain network which in turn rewards you a certain percentage of your staked funds. The interest is always given in APY, which means “Annual Percentage yield”, so when Binance reports an APY of 7% if you stake your ADA on their exchange, this means that you get a yearly interest of 7%. The rewards are paid on a daily basis. Only the proof of stake (PoS) coins are stakeable on Binance and although Binance offers more staking options than other exchanges, they do not support all coins, as some coins can only be staked on their native app.
How do I stake on Binance?
The layout of Binance on your desktop browser is different from the mobile app but the staking options are just the same. See here how to access staking on both:
Desktop: Navigate to the top panel and proceed to click on “Finance” -> “Binance earn” -> scroll down and click “Locked staking”.
Mobile app: Make sure you are NOT on the “Lite” version. If you are then turn this off to access the full range of the app. When this is done navigate to “Home” on the main panel -> click “more” -> Navigate to Finance and click on “staking”.
You are now in the staking section no matter which device you use. Binance currently offers about 60 coins for staking which can be locked for 15, 30, 60 or 90 days. The longer you lock your coins the higher APY you get. I advise you to pick the longest available (There are limited staking spots). Don’t worry, your coins are not really locked as you can redeem your coins whenever you like, but you will lose out on the accumulated rewards during the lockup.
Find the coin you wish to stake, pick your staking time, enter the amount you wish to stake which is higher than the minimum staking amount, and then click “stake”. Your coins are now staked. Simple.
2. Defi Staking
Some coins are not PoS and thus not stakeable in the common sense, but on Binance you may still “stake” some of these coins. Currently binance offers 11 coins in Defi Staking.
What is Defi Staking?
There’s a relatively high threshold for users of DeFi products. Binance DeFi Staking acts on behalf of users to participate in certain DeFi products, obtains and distributes realized earnings, and helps users to participate in DeFi products with a single click. — This is how Binance explains it. In layman terms you are basically making your money available for margin trading. For this your money is safe, but Binance does not cover any losses in case of on chain security issues outside Binance control.
How to Defi Stake?
To locate Defi staking you do the same as for locked staking, but as this is “flexible” staking you do not pick the staking time, you simply stake.
Binance savings comes in two categories, flexible saving and locked savings, whereas the locked savings has a higher reward, but also a higher risk in that you cannot just redeem your coins and sell them. Nevertheless, if your investment horizon is several years it doesn't matter
What is flexible Savings?
Flexible Savings is your Crypto savings account. Subscribe your crypto to earn interest, with the flexibility to redeem your funds at any time. This option has low APY but is convenient for some coins which don't have a range of passive earning options. Long term XRP and LTC are both coins I have in flexible savings.
What is Locked Savings?
Committed to holding your crypto? If so you can subscribe and lock your crypto for a specific duration for a much higher interest. This option seems to either be very popular or just not offered at all times as several of these options are not available at the time of writing.
How to allocate crypto to Savings?
Desktop: Navigate to the top panel and proceed to click on “Finance” -> “Binance earn” -> scroll down and click “Savings”.
Mobile app: Make sure you are NOT on the “Lite” version. If you are then turn this off to access the full range of the app. When this is done, navigate to “Home” on the main panel -> click “more” -> Navigate to Finance and click on “Savings”.
When you have located the Savings section, find your coin on the list, click “transfer” or “subscribe”, enter amount you wish to put in, then click on “confirm”. If you wish you can also auto subscribe which means that you reinvest your rewards automatically.
On the Binance launchpad you can stake certain crypto for rewards in new coins launched in the Binance launchpool. This offer normally lasts for a month or so and new projects gets launched sporadically. You can also participate in the launchpool automatically from the BNB vault which will be explained in the next section.
What is Binance Launchpad?
Binance Launchpad and Launchpool are platforms that help and advise project teams on how to best issue and launch their token. Binance provides a full service offering starting from advisory services from before the token is even issued, to post-listing and marketing support. By staking some of your crypto on the launchpad you get your hands on some of these tokens that may or may not see substantial growth in the future.
How to earn tokens on the launchpad?
Navigate to the “Binance earn” section and click on “Launchpool”. In this section you will see the available tokens in the launchpool. You can always stake BUSD and BNB, but sometimes other tokens as well. An example of this can be seen in the above image where you can stake DOT and be rewarded ATA. Pick your token and the coin you wish to stake and simply click “Stake now”.
5. BNB Vault
As the name suggests this is a vault specifically created to store your BNB coins. BNB is of course the native token on the Binance ecosystem and have hundreds of usecases. If you have invested in BNB then the vault is not a bad place to store your coins.
What is BNB vault?
BNB Vault is a BNB yield aggregator. Depositing BNB means participating in Launchpool, Savings, Defi staking and other projects and at the same time gaining rewards.
How to deposit BNB to the vault?
Navigate to the Binance earn section and click on BNB vault. When you do you enter a page where you can read and learn about BNB and all its uses. To stake your BNB in the vault you simply click on “stake” and choose the amount of your BNB you wish to put into the vault. As seen from the picture above I have some of my BNB in the vault which is constantly generating me rewards from both Savings, and the launchpool. I choose to auto transfer my BNB to the vault.
6. Eth 2.0 Staking
Ethereum is moving from PoW (mining) to a hybrid of PoW and PoS (Staking) and if you have heard about ETH 2.0, this is that process. ETH 2.0 is said to be implemented within a few years.
What is ETH 2.0?
ETH 2.0 is the long-awaited upgrade to the Ethereum network that promises, among other things, to improve the network’s scalability, speed, efficiency, and sustainability without sacrificing security and decentralization. The ETH community aims to achieve this by rolling out several updates in three phases.
How to stake your ETH for ETH 2.0 on Binance?
Navigate to the Binance earn section and click on “Eth 2.0 staking” to get into the Eth 2.0 staking page. Click on “stake” and insert the amount you wish to stake.
!! Staking your ETH is is not like other staking. When you stake ETH you actually lock it away and get an equal amount of another token called bETH. In addition the interest you gain from your stake is also rewarded to you in the form of bETH. This staking is a one-way street until ETH 2.0 actually arrives, which in effect means that you cannot redeem your ethereum tokens until this happens. For long term investors this is no issue, but if you are a trader or wish to buy and sell your long-term ETH investments, then staking it may not be for you.
7. Liquidity Pool
Liquidity pools are one of the core technologies behind the current DeFi technology stack. They enable decentralized trading, lending, yield generation, and much more. These smart contracts power almost every part of DeFi, and they will most likely continue to do so.
What is a liquidity pool?
From Binance: Liquidity pools are one of the foundational technologies behind the current DeFi ecosystem. They are an essential part of automated market makers (AMM), borrow-lend protocols, yield farming, synthetic assets, on-chain insurance, blockchain gaming — the list goes on.
In itself, the idea is profoundly simple. A liquidity pool is basically funds thrown together in a big digital pile.
How do I earn from Liquidity pools?
To find the Liquidy pools you navigate to the top panel on Binance on your desktop browser and click on Finance -> then proceed to click on “Liquidity swap”.
When adding to the liquidity pool you can choose to add both of the tokens in the pair or just one of the tokens in the pair, however there is a fee involved in adding only one of the tokens. For this guide I will use the pair DOT/USDT as an example.
As seen in the image above, adding both of the tokens results in “0 fee”, while there are some fees involved in adding only Dot or Usdt. This specific pair is at the time of writing reported to yield 27.53% APY, whereas 7.45% is BNB rewards and 20.08% is rewarded from the trades performed on the actual pair. To add to this pair both of the tokens, you need to first ensure that you have both DOT and USDT in your wallet. When adding you will be able to input the amount you wish to add, but keep in mind that the value of both will be equal. This means that if you wish to add 1 DOT then you will also have to add the corresponding value in USDT.
To add, simply agree to the Terms and click on “Add”.
After adding to the pool, you can monitor your funds in your wallet under “earn”, but keep in mind that even though you get paid rewards daily, the value you see will be that of the funds you added. In effect this means if DOT suffers a price decrease your investment will show a negative number. This is nothing different from staking or any of the other earns, it is just different in the way it is presented as it shows the value of the tokens you have added.
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Binance — заработок на бирже криптовалют
Binance — входит в тройку самых популярных криптовалютных бирж в мире! И на сегодняшний день там есть множество способов пассивно и безопасно заработать на инвестициях. О которых я решил рассказать в данной статье. Следует знать каждому что пассивный заработок все же существует. Но как правило нет таких заработков на бесплатной основе.
Кто то продает платные курсы пассивный заработок о котором здесь описано подробно. Но я 100% ручаюсь за данный способ как безопасный. Лично проверенно мной и по любому вопросу готов помочь вам ваш Администратор .
Или обращайтесь в общий чат телеграмма нашего сайта.
Постараюсь рассказать простым языком сколько вы упускаете прибыли каждый год. Например, если бы вы купили 50 BNB (монета биржи) всего год назад 2021,06,04. тогда цена была $15 за монету (на сумму $750).
То сегодня 2021,05,06 у вас было бы $31250 (Это в 41 раз прибыли).
Главное не бойтесь падения курса. всем известно что данные криптовалюты достаточно волатильные. Сегодня хи цена 500 долларов а завтра 40 долларов. Но через год цена может быть 700 ато и 1000 долларов на примере токена BNB Бинанс коин. Следую заметить что курсы криптовалют повышаются перед или во время Халвинга биткойна. (Это значит что награда за блок майнерам уменьшается в 2 раза).
В момент написания статьи 2021,05,20 до следующего Халвинга остается 1060 дней .
А это значит что Халвинг Биткойна состоится в 2024 году , тем самым завысит курс биткойна и в след за ним завысит и другие криптовалюты.
Приблизительно к концу 2021 года или в середине 2022 года все курсы криптовалют упадут.
Например BNB будет стоить 30-40 долларов возможно меньше, на данный момент ее цена 350 долларов.
Можно приобретать на долгосрочное хранение, а так же можно на ней и заработать на процентах без потерь, гораздо больше чем в банке.
Можете воспользоваться моим калькулятором дохода оставлю его ниже.
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1. Хранение BNB на счету
Внутренняя криптовалюта биржи под названием BNB признана самой стабильной монетой среди подобных проектов. Она стабильно растет в цене и сейчас входит в ТОП-4 по рыночной капитализации и оценивается в $60.5 млрд.
Зачем она нужна? В первую очередь, она снижает торговую комиссию с 0.1% до 0.075%. То есть 25% скидка. Это к слову, одна из самых низких комиссий среди всех бирж! Кроме этого держатели BNB получают различные привилегии.
Flexible Savings — по сути это кредитование нашими монетками биржи Binance. Подразумевается, что они в основном используют потом эту крипту для выдачи займов маржинальщикам — трейдерам, кто использует кредитное плечо. В данном случае для нас тут гибкие условия по срокам — когда хотим, тогда и забираем деньги обратно. Надо просто учитывать, что начисления здесь раз в сутки идут, и первые дивиденды будут не раньше, чем через 24 часа после заморозки монет. Вынете раньше — ничего не получите в плане прибыли. Но, честно говоря, тут доходность смешная — можете глянуть на расчетный процент. APY — это в пересчете на годовую доходность, то есть, к примеру, если вы видите показатель 7-Day APY 6%, это не 6% в неделю, а 6% в год по факту. Разделите на 52, чтобы понять, сколько это в неделю выйдет.
Fixed Savings (Locked Savings) — то же самое, но с заморозкой на определенный срок: 7, 14, 30, 90 дней. Доходность чуть повыше тут, соответственно, но тоже не супер.
Но все же отмечу что это больше вклад чем в банке. Чем больше сумма тем больше пассивный заработок.
Activities — временные промодвижухи, где можно замораживать конкретные новые монеты. Скорее всего нужны чисто для пиара новых проектов, которые появляются на Бинансе. Доходность тут заметно повыше, чем в предыдущих пунктах.
Staking (Locked Staking)
Staking (Locked Staking) — это заморозка конкретных монет, которые поддерживают технологию стейкинга — фактически это то же самое, что POS-майнинг. Короче, замораживаешь крипту на определенный срок, и тебе блокчейном выделяется определенный пассивный процент. Делать такое можно и вне биржи, используя родные кошельки соответствующих монет. Binance просто берет на себя роль посредника, и упрощает нам жизнь — ведь можно стейкать кучу разных монет в одном месте, не устанавливая себе на комп разные кошельки под каждый такой проект. Кстати, тут разморозить и вывести монеты можно и досрочно, не дожидаясь конца периода (30, 60, 90 дней), но тогда прибыль мы не получаем — чисто тело вернут. Доходность тут так себе, но, если у вас где-то валяются какие-то из предложенных монет и ждут своего часа, а он всё не наступает — то почему бы их не преумножить дополнительно?
DeFi Staking — здесь нам предлагается одолжить нашу крипту DeFi-проектам. Это сервисы p2p-кредитования по сути. То есть в данном случае биржа Бинанс выступает лишь провайдером — посредником, предоставляющим доступ к этому инструменту. Все риски несет на себе инвестор, то есть вы. Доходность неплохая, сроки гибкие, но есть риск, что соскамится сам DeFi-сервис, который вы выбрали. Так что с этой штукой надо быть поосторожнее, не заигрываться. Замечу, что в остальных всех рассматриваемых нами пунктах Binance обещает нам 100% возврат средств — мамой клянутся товарищи
Liquid Swap — немного заморочистый вариант, где мы инвестируем крипту в пул ликвидности для какой-то валютной пары — например, ETH/BUSD. Фишка в том, что наши деньги как бы распределяются по двум сосудам (в нашем примере это ETH и BUSD) и хранятся в смешанном виде, переливаясь туда-сюда в зависимости от ситуации. Люди оперативно меняют через такие пулы крипту, платят за это комиссию, и часть от неё раздается инвесторам пула. Доходность средненькая выходит, как я вижу, но бывают «выстрелы» в отдельных ситуациях. но все же если не хочется терять даже 1 % прибыли.
Но если хочется пассивный заработок, я бы советовал ставить пару USDC/USDT.
Пассивный заработок на бирже Бинанс
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Вероятно, вы уже слышали о Binance Launchpad. Это платформа для запуска токенов, на которой многообещающие проекты финансируются пользовательской базой Binance посредством первичного биржевого предложения (IEO). Также вы могли слышать о доходном фермерстве и майнинге ликвидности: пользователи блокируют средства в пулах ликвидности, чтобы «майнить» новые токены.
Что будет, если совместить IEO и доходное фермерство? Launchpool. Вы блокируете BNB, BUSD и другие криптовалюты, чтобы получить долю пула нового токена, запускаемого на Binance. Иногда токены запускаются на Launchpad и на Launchpool одновременно.
Launchpool – хороший способ получения пассивного дохода, так как стоимость получения новых токенов – всего лишь стоимость заблокированных токенов. Кроме того, вы можете вернуть заблокированные средства в любой момент в течение периода фарминга.
BNB Vault — вот это крутая опция, по сути — беспроигрышная инвестиция монет BNB «под ключ». То есть Binance в данном случае сам определяет, куда лучше пристроить наши монетки, и оперативно перекладывает их туда, где получше — где выше текущая доходность. Это очень удобная штука: начисления ежедневные, без заморозки, и используются только безрисковые варианты из списка выше. Короче, вариант для ленивых держателей Binance Coin, которые не брезгуют дополнительным заработком на пассиве.
Я бы посоветовал использовать Launchpool и BNB Vault — потенциально это самые доходные варианты.
Кстати, хочу отметить, что замороженные монеты BNB годятся для использования их в Binance Launchpad. 100% пассивный заработок.
Для тех, кто не знает, это раздел, в котором биржа Binance проводит специальные лотереи для участия в своих IEO. Фишка в том, что желающих поучаствовать в таких распродажах обычно раз в 10 больше, чем реально доступно токенов, и среди потенциальных инвесторов проводятся розыгрыши, чтобы определить, кого допустят к участию в IEO.
Так что регистрируемся на Бинансе, кто ещё по каким-то странным причинам этого не сделал:
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