Cryptocurrency holders are increasingly seeking smart, hassle-free ways to grow their digital assets. One of the most effective tools available today is OKX Auto-earn, a seamless value-added service that automatically puts idle crypto to work—earning competitive interest without requiring constant monitoring or manual participation.
This guide breaks down everything you need to know about Auto-earn rules, how it works, and how you can benefit from this powerful feature while maintaining full control over your funds.
What Is OKX Auto-earn?
OKX Auto-earn is an automated financial tool that allocates eligible crypto assets from your Funding account into the OKX Simple Earn Flexible Program. Once enrolled, your assets are automatically placed into earning opportunities when available, generating hourly interest based on current market demand.
You retain full liquidity—assets can be withdrawn at any time with immediate access. The entire process operates under OKX’s robust risk management framework, ensuring your funds remain secure while actively generating returns.
👉 Discover how to turn idle crypto into passive income today.
How Auto-earn Uses Your Assets
The crypto deposited through Auto-earn supports various platform services, including margin lending, derivatives trading, and other financial products. This helps maintain liquidity across OKX’s ecosystem while rewarding users with competitive returns.
All asset usage complies with strict risk protocols, ensuring capital protection and transparency.
Enrollment, Redemption & Unenrollment
1. Enrolling in Auto-earn
When you enroll, all eligible assets in your Funding account are automatically considered for placement into earning offers. However, there's a key condition:
Assets must remain inactive for 6 hours before being moved into an earning offer.
This means if you trade, transfer, or convert a cryptocurrency, the 6-hour inactivity timer resets.
Example:
You buy 1 BTC → the 6-hour clock starts → if you swap 0.5 BTC two hours later → the timer restarts from zero.
Once an earning opportunity becomes available and the inactivity period is met, your assets are seamlessly enrolled in the Flexible Program.
Eligibility Notes:
- All users can enroll.
- To qualify for bonus APY rates on certain cryptocurrencies, identity verification (KYC) is required.
- Only Funding account balances are eligible. Trading and Margin accounts do not participate.
2. Redeeming Your Assets
You can redeem your crypto at any time—with instant availability. However, redeemed assets will not re-enter Auto-earn immediately. They must again meet the 6-hour inactivity rule before becoming eligible for the next earning cycle.
This ensures system stability and prevents abuse of high-frequency earning mechanics.
3. Unenrolling from Auto-earn
You may unenroll anytime via the Portfolio or My Earnings page under the Earn tab. After unenrollment:
- No new earning cycles will be initiated.
- Existing earnings continue until redemption.
- You can re-enroll at any time with just a few clicks.
Deposit Limits by Cryptocurrency
To manage risk and ensure fair access, OKX applies maximum deposit limits per cryptocurrency in the Auto-earn program. These limits apply across both master and sub-accounts—they are shared, not individual.
There are no redemption limits, allowing full flexibility when accessing your funds.
Below is a comprehensive list of supported cryptocurrencies and their respective deposit caps:
- BTC: 50
- LTC: 10,000
- ETH: 1,000
- ETC: 40,000
- USDT: 5,000,000
- XRP: 500,000
- EOS: 50,000
- BCH: 1,000
- TRX: 5,000,000
- QTUM: 10,000
- BSV: 1,000
- DASH: 200
- NEO: 1,000
- OKB: 100,000
- ONT: 100,000
- ADA: 1,500,000
- ZEC: 4,000
- IOST: 10,000,000
- OMG: 20,000
- XLM: 2,000,000
- BTT: 100,000,000
- ATOM: 20,000
- ALGO: 100,000
- XMR: 5,000
- LINK: 50,000
- (And many more—full list as provided)
OKX reserves the right to adjust these limits based on market conditions and risk assessments.
Interest Rates & Distribution Mechanics
How Interest Rates Are Set
The Annual Percentage Yield (APY) for each cryptocurrency is recalculated hourly, based on real-time borrowing demand across OKX’s platform. When you enable Auto-earn, your assets are automatically matched with the best available rate at that moment—no action needed.
This dynamic model ensures users receive competitive returns aligned with market trends.
Interest Calculation and Distribution
If your lending offer is successfully matched during hour T, you’ll earn interest for the period from T to T+1, which will be credited at exactly T+1.
All interest is distributed in-kind (in the same cryptocurrency) and appears in your Funding account shortly after processing.
👉 See how much you could earn with just $1,000 in idle crypto.
Minimum Balance Requirements for Earning Interest
To prevent micro-transactions and ensure efficient processing, OKX enforces minimum balance thresholds based on token price (updated daily at 16:00 UTC):
| Token Price (USDT) | Minimum Balance Required |
|---|---|
| ≥ 1,000 | 0.0001 |
| 100 – <1,000 | 0.001 |
| 10 – <100 | 0.01 |
| 1 – <10 | 0.1 |
| < 1 | 1 |
For example:
- A token priced at $1,200 requires only 0.0001 units to qualify.
- A token priced at $5 requires at least 0.1 units.
- A meme coin priced at $0.1 needs a full 1 unit to start earning.
These rules help maintain system efficiency and fairness across all users.
Frequently Asked Questions (FAQ)
Q: Can I use Auto-earn with my Trading or Margin account?
No. Only assets in your Funding account are eligible for Auto-earn. Trading and Margin balances do not participate.
Q: Do I need to manually select which coins to earn on?
No. Once enrolled, all eligible assets in your Funding account are automatically considered for earning opportunities when inactive for 6 hours.
Q: When will I receive my interest?
Interest is distributed hourly. If your assets are matched during hour T, interest for that hour is credited at T+1.
Q: Is there a lock-up period?
No. You can redeem your assets at any time with immediate withdrawal access. However, redeemed assets must go through another 6-hour inactivity window before re-entering Auto-earn.
Q: Why did my APY change suddenly?
APYs are adjusted hourly based on borrowing demand. High demand increases rates; low demand may reduce them. This keeps returns market-aligned and competitive.
Q: Does completing KYC increase my earnings?
Yes. Verified users gain access to enhanced APY offers on select cryptocurrencies—a key incentive for identity verification.
Final Thoughts: Turn Idle Crypto Into Growth
OKX Auto-earn transforms passive holdings into productive assets—with zero effort required. Whether you're holding BTC, ETH, USDT, or emerging altcoins like MATIC or FTM, this tool ensures your crypto never sits idle longer than necessary.
With flexible redemption, transparent rules, and hourly compounding potential, Auto-earn stands out as one of the most user-friendly ways to generate passive income in the crypto space.
👉 Start earning now—automate your crypto growth in minutes.
By understanding the core mechanics—such as the 6-hour inactivity rule, deposit limits, and dynamic APY adjustments—you can optimize your participation and maximize returns safely and efficiently.
Auto-earn isn’t just a feature—it’s a smarter way to manage digital wealth in real time.