Earn while you hold
Turn idle crypto into steady yield. Stable rates, flexible terms, transparent APY
Competitive APYs
fixed & flexible
$1,500,000+
paid in rewards
$15,000,000+
deposited
Fixed-term Earn
Stop holding, start earning!
Step 1
Top up your EXMO.com balance
Deposit supported crypto to your EXMO wallet
Step 2
Choose an asset to earn
Pick an Earn option with a rate and duration that fits your goals
Step 3
Receive reward
Receive your rewards once the period ends, or choose to continue earning
How are my assets protected?
Assets allocated to the Earn Service are managed by EXMO.com within an internal risk management framework:
- We actively monitor risks and adjust asset exposure when needed
- We carefully select and review the strategies and protocols used to support the Earn Service
- Assets are diversified to help reduce the impact of market fluctuations
- Performance and risk levels are reviewed on an ongoing basis
Earn on EXMO.com pays off
Extra income on your crypto
Earn lets you generate rewards by holding supported crypto on your EXMO balance — no active trading required
Easy and automatic
Rewards are credited automatically at the end of each Earn period. You can also enable auto-renewal to keep earning without interruptions
Higher rates with EXMO Coin
By holding EXMO Coin (EXM) on your balance, you may qualify for higher reward rates on your assets
Disclaimer: Earn is not an investment fund, security, or a regulated investment product. Rewards are not guaranteed and participation involves risks, including the potential loss of assets. Please review the applicable Earn terms before participating.
Boost your rewards with EXMO Coin
Earn higher reward rates by holding EXMO Coin (EXM) in your EXMO wallet. The more EXM you hold, the higher the rate you may receive on your Earn assets
Standard
Hold
50,000 EXM
Advanced
Hold
120,000 EXM
What is Earn on EXMO.com?
Earn opens the door to effortless passive income! Simply hold a specific amount of crypto assets in your wallet and watch the rewards roll in.
Which assets are supported in Earn?
Only assets shown as available on the Earn page can be used for Earn subscriptions.
How do I start earning?
Select either Fixed Earn or Flexible Earn, make sure you have enough supported assets in your EXMO.com wallet, and activate an Earn subscription. The process takes just a few clicks.
What is the difference between Fixed Earn and Flexible Earn?
Fixed Earn offers higher APY with a fixed subscription period and the option to increase rates by holding EXM. Flexible Earn does not require locking assets for a fixed period and credits rewards on a daily basis.
What is the duration of an Earn subscription?
Fixed Earn subscriptions have a predefined duration, depending on the selected asset. Reward accrual starts at 00:00 UTC on the day following activation. Flexible Earn subscriptions have no mandatory duration and remain active until you choose to stop them.
When are rewards credited?
For Fixed Earn, the principal and reward are credited to your balance after the subscription ends. Rewards are credited shortly after the end of the subscription period. For Flexible Earn, rewards are credited on a regular basis, according to the applicable conditions of the subscription.
Can an Earn subscription be terminated early?
Fixed Earn subscriptions can be terminated early, but no rewards will be paid. Your principal will be returned to your balance. Flexible Earn subscriptions can be terminated at any time, while keeping rewards accrued for completed days.
How can I increase the annual percentage rate (APY)?
Holding EXMO Coin (EXM) allows you to access higher Earn rates through Standard and Advanced levels. To receive an increased rate for Fixed Earn, the required amount of EXM must be held in your EXMO.com wallet and maintained for the entire subscription period. Current level requirements and conditions are displayed on the Earn page.
Can I apply a higher rate to multiple Earn subscriptions?
Higher rate levels apply across eligible Fixed Earn subscriptions, provided the required EXM balance is maintained on your EXMO.com account for the duration of the subscriptions.
Where does the yield come from?
Rewards are generated through EXMO’s internal mechanisms used to support the Earn program. The specific methods used to generate rewards may vary depending on the asset and market conditions.