Announcement: Updated stablecoin lending APR logic for Simple Earn Flexible and Auto-Earn

Updated lending rules for Simple Earn Flexible and Auto-Earn

From 5.00 pm. UTC +8 on November 13, 2025, in response to user feedback, we're updating the lending rules for Simple Earn Flexible and Auto-Earn to provide you with new earning opportunities. The new APR calculation method will help more users experience more consistent returns. The new APR calculation method will only apply to stablecoins, including USDT and USDC.

Updated rules for stablecoins

Under the new lending rules, this is how your funds will be lent out:

• If your minimum lending APR is equal to or lower than the borrowing interest rate, your funds will be eligible for lending, and you’ll earn return at an APR up to the interest rate. The interest paid by borrowers will be allocated to all users whose funds are eligible for lending.

• If your minimum lending APR is higher than the borrowing interest rate, your funds won’t be eligible to be lent out, and you’ll earn no return.

Take note that the final APR you earn may be lower than the minimum lending APR you’ve set. This happens when the borrowing pool is smaller than the eligible lending pool. Here's an example of how it works:

If your minimum lending APR is 5% and the borrowing interest rate is also 5%, your funds will be eligible for lending.

With a borrowing pool of 1,000 USDT, the annual return is 50 USDT.

However, if the eligible lending pool is 1,250 USDT, the 50 USDT return spread over that amount will result in a final APR (called lending APR) of 4%.

Existing rules for non-stablecoins

For non-stablecoins, the existing lending rules remain the same. This is how your funds will be lent out:

• If your minimum lending APR is lower than the borrowing interest rate, your funds will be lent out, and you’ll earn return at an APR equal to the interest rate.

• If your minimum lending APR is equal to the borrowing interest rate, your funds may be partially lent out or not at all. If it’s lent out, you’ll earn return at an APR equal to the interest rate.

• If your minimum lending APR is higher than the borrowing interest rate, your funds won’t be lent out, and you’ll earn no return.

For Auto-Earn Users

The above revised calculation methods will also apply to Auto-Earn. As Auto-Earn users do not have to input a minimum lending APR, idle funds used for Auto-Earn will automatically be considered as part of the eligible lending pool.

More information will be found in the updated Simple Earn User Agreement. Thank you for your continued support as we work towards bringing you better products.

OKX team

November 13, 2025