MEXC Earn: Staking, Savings & Passive Income Products

MEXC Earn encompasses multiple products for generating passive income from crypto holdings. Flexible Savings: deposit crypto and earn daily interest with no lock-up, redeemable within 24 hours. Locked Staking: commit assets for fixed periods (7-90 days) in exchange for higher APY rates. MX DeFi: yield farming for MX holders earning additional tokens as rewards. Limited Savings: time-limited promotional products with elevated rates available on a first-come, first-served basis.

All MEXC Earn products operate on a CeFi (centralized finance) model — you deposit assets to MEXC and trust the exchange to manage them. This is fundamentally different from DeFi protocols where smart contracts manage funds non-custodially. CeFi earn carries counterparty risk (exchange risk) in exchange for simplicity and higher liquidity.

MEXC Earn rates are variable and change based on market demand for lending. During bull markets when margin demand is high, rates rise. During bear markets, rates compress. Check the live rates on the Earn page before subscribing as displayed rates may differ from historical averages.

For capital preservation with yield: USDT or USDC flexible savings provide dollar-pegged yield without cryptocurrency price risk. Historical rates of 4-12% APY on USDT flexible savings are compelling versus traditional savings accounts in most countries. This is the most popular earn product among risk-averse users.

For higher yields accepting lock-up risk: 30-day locked USDT staking has historically offered 8-20% APY during favorable market conditions. The fixed-rate feature means you lock in the displayed rate at subscription, protecting against rate decreases during the period. The risk is opportunity cost — you cannot sell or move locked assets if you need liquidity.

For MX holders seeking maximum yield: combining MX staking with MX DeFi participation can produce the highest total yields on the platform, historically 20-40% APY equivalent on MX holdings. The risk here includes MX price risk — if MX drops significantly, the yield in USDT terms may be offset by capital losses.

MEXC calculates flexible savings interest daily. The daily interest rate = APY / 365. At 10% APY, the daily rate is 0.0274%. For a $1,000 deposit, this generates $0.274 daily interest. Interest is credited to your earn account automatically each day at approximately midnight UTC. Accumulated interest compounds daily if left in the earn account.

For locked staking, the full period's interest is typically distributed upon maturity rather than daily. A 30-day locked product at 20% APY on $1,000 generates approximately $16.44 in interest paid at the end of the 30-day period ((1000 × 0.20 × 30) / 365).

Limited Savings promotions often have caps on total subscription — they close when the cap is reached. These products sometimes offer 50-100%+ APY for very short periods (7 days), producing meaningful absolute returns despite the short duration. Acting quickly when these promotions launch is important as they can fill within minutes.

All MEXC Earn products carry counterparty risk — MEXC's solvency and operational integrity underpin your earn balance. This is the same risk as holding any funds on any centralized exchange. MEXC's clean security record and active operational status reduce (but don't eliminate) this risk.

For stablecoin earn (USDT, USDC), the primary risk is exchange counterparty risk rather than price risk. For crypto earn products (BTC staking, ETH staking), you additionally face the asset's price volatility. The quoted APY in crypto terms may translate to significant losses in USD terms if the asset price falls substantially.

The locked staking risk is specifically the inability to respond to market events during the lock period. If you lock USDT in a 90-day product and a significant P2P or trading opportunity arises, you cannot access those funds. Never lock funds you might need for trading opportunities or emergencies.