MEXC Earn: Panduan Staking, Tabungan & Pendapatan Pasif 2026

MEXC offers several earn products grouped under the "Earn" section in the main navigation. These allow you to put idle cryptocurrency to work generating passive income while it sits on the exchange. The main product categories are: Flexible Savings (earn interest with no lock-up period), Locked Staking (higher yields in exchange for a fixed lock-up period), MX DeFi (yield farming using MX tokens), and Crypto Lending (lending assets to margin traders).

Interest rates on MEXC Earn products are variable and updated regularly based on market demand. Rates for stablecoins like USDT and USDC typically range from 5%-15% APY depending on the product type and market conditions. Major assets like BTC and ETH typically yield 1%-5% APY. Newer, riskier altcoins may offer higher promotional rates.

All MEXC Earn products carry different risk profiles. Flexible savings on major stablecoins are relatively low risk. High-APY products for small-cap tokens carry significant price risk beyond just the yield. Always consider both the interest rate and the volatility of the underlying asset when evaluating earn opportunities.

Flexible Savings is MEXC's most accessible earn product. There is no lock-up period — you can deposit and withdraw at any time. Interest accrues daily and is credited to your account each day. This product is ideal for traders who want to earn on idle funds between trades without committing to a lock-up period.

To access Flexible Savings: go to "Earn" then "Savings" and toggle to "Flexible". Browse available assets and their current APY rates. Click "Subscribe" on your chosen asset, enter the amount, and confirm. The funds immediately start earning interest. You can add to your savings position at any time, and redemption requests are processed within 24 hours.

USDT flexible savings rates have historically ranged between 4%-12% APY depending on market conditions. During bull markets with high demand for margin borrowing, rates tend to be higher. During bear markets, rates may drop to 1%-3%. The rate you see when subscribing can change daily.

Locked Staking offers higher APY rates in exchange for committing your assets for a fixed duration — typically 7, 14, 30, 60, or 90 days. During the lock period, you cannot access your staked assets. In exchange, the yield is guaranteed at the rate displayed when you subscribe, regardless of any rate changes during the lock period.

Locked staking is available for many cryptocurrencies on MEXC. Rates vary significantly by asset and duration. Staking MX tokens (MEXC's native token) in locked products often provides some of the highest available yields, as MEXC incentivizes MX holding through elevated staking rewards.

Before locking funds in staking, consider the lock-up period carefully in relation to market conditions. If crypto prices are volatile, being unable to sell or move your assets for 30-90 days carries opportunity cost and potential loss of value beyond just the yield earned. Stablecoins like USDT are more suitable for locked staking during uncertain market conditions since their value remains stable.

MX DeFi is MEXC's yield farming product for MX token holders. By providing liquidity or staking MX in designated pools, users earn additional MX tokens and sometimes distributions of newly listed tokens. This product offers some of the highest potential yields on MEXC but requires holding MX tokens, introducing price risk on the MX asset itself.

MEXC also periodically runs Limited Savings promotions — short-window, high-APY earn products that are available for a limited time or until a subscription cap is reached. These promotions can offer 20%-100% APY for brief periods and are typically available on a first-come, first-served basis. Watch MEXC's official announcements for these events.

For USDT and stablecoin yield specifically, MEXC's earn rates are competitive with other CeFi platforms. If maximum yield is your priority, compare MEXC's current rates with competitors like Binance Earn and OKX Earn, as rates fluctuate and one platform may offer better rates for your preferred asset at any given time.