This table deliberately carries no APY figures. Rates change daily and anything copied down is stale within days; the rules below rarely change, and they're what your decision should actually rest on.

Liquidity requirement

Can you accept being converted

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Exact terms are whatever Binance shows at the time; we checked in 2026-08. The table filters locally in your browser and connects to no API.
Product	Withdraw anytime	Principal returned as	How interest works	The main cost
Flexible	Yes	Original coin	Accrues daily, floating APY	Lowest APY, and it moves every day
Locked	Depends on the product	Original coin	Fixed at subscription, paid daily	Early exit deducts rewards already paid; where it isn't allowed, you wait for maturity
Staking / launch rewards	No	Usually the original coin	Rewards mostly in a project token	Reward value moves with the token price
Dual Investment	No	May be converted to another coin	Effectively an option premium	Principal can be converted near the top

How to read this table, and what each column means

Why there's no APY

Because it changes, and fast. The public figures we found while researching disagreed with each other wildly: different bases, different moments, different product types. Any number hard-coded onto the page becomes misleading within days. So only rules go here; for the number, look at what Binance shows at the time.

How firm is the "withdraw anytime" column

Only Flexible says yes, and that yes refers to the product design under normal conditions, not a contractual guarantee; in extreme markets the platform has the right to manage redemptions, which is in the user agreement. Also remember that redemption lands in your Spot wallet, still two steps (selling and withdrawing) away from spendable money.

Why "principal returned as" matters most

It's the most fundamental difference between the four. The first two return the coin you started with; the second two may return something else. Staking rewards come as a project token, and Dual Investment converts your principal at the agreed price when triggered. Read this column before the APY, never the other way round.

How to read "the main cost"

Every tier has a cost, just in a different form: Flexible's is the lowest and most variable APY, Locked's is liquidity, staking's is an uncertain reward value, and Dual Investment's is that the principal can become a different asset. None of them is free.

What to do once you've filtered

Filtering only narrows the field. Next, open the platform's page and look at these tiers' current APYs and caps, then turn the spread into an amount. If the difference is small enough not to care about, take the most liquid one.

Who it's for

People facing a full screen of Earn products for the first time with no idea where to start. Also people already using them who want to check they haven't confused the product types.

A reminder: a filtered result isn't a recommendation. No Earn product is principal-protected, and platform risk and the stablecoin's own risk aren't within this table's scope. Those are covered in real depeg cases and what the platform does with your deposits.

For the full write-up on every tier in one go, read the complete guide to stablecoin yield.