In crypto, it's easy to focus on the trades you're making and completely overlook the capital sitting idle in between. Whether you're waiting for the right entry, holding stablecoins on the side, or just not ready to deploy everything yet, that balance isn't earning anything by default.
BloFin Earn is built for exactly that. It's a suite of savings products that puts your idle crypto to work, generating daily returns without requiring you to trade.
This guide covers the three products available under BloFin Earn, how each one works, and how to figure out which combination makes the most sense for your situation.
What is BloFin Earn?
BloFin Earn is the savings platform within BloFin, designed for users who want their assets working for them around the clock. It currently offers three products, each with a different risk profile, return mechanism, and liquidity arrangement.
Product | Yield type | Liquidity |
Simple Earn (Flexible) | Stable daily interest | Redeem anytime |
Simple Earn (Fixed) | Higher stable interest | Locked until maturity |
RWUSD | Third party tokenized real-world asset | Redeem anytime |
Dual Investment | High APR, market-directional | Locked until settlement |
Simple Earn
Simple Earn is a savings product where you deposit supported crypto assets and earn daily interest. No trading experience needed, no active management required. Two term types are available depending on how much flexibility you want.
Flexible lets you subscribe and redeem anytime. Your funds stay accessible and earn daily. Lower rate than Fixed, but no commitment.
Fixed locks your funds for a set period in exchange for a higher rate. At maturity, your principal and interest are automatically returned. Early redemption is not supported.
Supported assets include USDT, USDC, BTC, ETH, SOL, DOGE, XRP, and others.
RWUSD
RWUSD is a flexible, principal-protected product where your daily yield is benchmarked against real-world assets, specifically yields from instruments like tokenized Treasuries. You subscribe with USDT and receive RWUSD at a 1:1 ratio. Rewards accrue daily and are distributed by 14:00 UTC. When you redeem, you receive USDC. Fast Redemption is instant at a 0.1% fee. Standard Redemption settles within three business days at a lower 0.05% fee.
RWUSD is principal-protected and has no lock-up period. It's one of the simplest ways to keep your idle USDT generating a real return without any trading involved.
Dual Investment
Dual Investment is a structured product that earns you a high APR while pairing your deposit with a market-directional strategy. You choose a target price and a settlement date. Regardless of whether the market hits your target, you earn the yield. What changes is the currency you receive at settlement.
Buy Low suits traders who want to buy a crypto asset at a lower price. Subscribe with USDT, set a target below the current market. If the asset drops to your target, you receive it at that price plus your interest. If it doesn't, you get your USDT back plus your interest.
Sell High suits traders who want to take profit at a higher price. Subscribe with crypto, set a target above the market. If the asset reaches it, you receive USDT plus interest. If not, you get your crypto back plus interest.
For the full product breakdown: What Is BloFin Dual Investment?
Choosing the right product for your situation
The right product depends on what you're trying to do with the funds and how comfortable you are with lock-up periods or market outcomes.
You need the funds to stay accessible. Simple Earn (Flexible) or RWUSD. Both let you redeem without a lock-up. RWUSD gives you third party tokenized real-world asset with principal protection. Simple Earn Flexible works across a wider range of assets.
You won't need the funds for a defined period. Simple Earn (Fixed). You commit the funds for a set term and receive a higher rate in return. You have a specific price target in mind. Dual Investment. If you've been waiting to buy BTC at a lower price or take ETH profits at a higher one, Dual Investment lets you earn a high yield while that target is live rather than just holding idle capital.
You want to maximize earnings across your full balance. Use all three at once. Allocate your liquid reserve to Simple Earn (Flexible) or RWUSD, commit funds you don't need for a set period to Simple Earn (Fixed), and put your price-target capital to work in Dual Investment. Your entire balance earns something, with each portion matched to its own risk and liquidity profile.
Frequently asked questions
What is BloFin Earn?
BloFin Earn is a suite of passive income products on BloFin that generates returns on crypto assets you're not actively trading. It includes Simple Earn, RWUSD, and Dual Investment, each with a different risk profile, return mechanism, and liquidity arrangement.
Do I need to be actively trading to use BloFin Earn?
No. Earn is specifically designed for funds sitting between trades. You can subscribe to an Earn product and continue trading as normal. Your Earn balance runs independently.
Can I use all three products at the same time?
Yes. You can subscribe to Simple Earn, RWUSD, and Dual Investment simultaneously across different portions of your balance. Using all three is one of the most effective ways to ensure every part of your idle capital is generating a return.
What's the minimum amount to get started?
Minimums vary by product and asset. Simple Earn has a minimum subscription amount per asset listed on the product page. RWUSD and Dual Investment also have minimums shown at subscription. The barriers to entry are low enough for most retail users to participate across all three.
Do VIP users get better rates?
Yes. BloFin VIP members earn higher interest rates on Earn products. The higher the VIP tier, the better the rates available on Simple Earn and RWUSD.
What happens to my Earn balance if I need to trade urgently?
Simple Earn Flexible and RWUSD both allow redemption at any time. If you need to move funds quickly, you can redeem from either product and transfer to your trading account. Simple Earn Fixed and Dual Investment are locked until their respective maturity or settlement dates and cannot be redeemed early.
Can I earn on crypto I'm planning to hold long-term anyway?
Yes, and this is one of the most natural use cases for Earn. If you're holding BTC or ETH with no plans to sell, subscribing them to Simple Earn earns you daily interest on top of any price appreciation. Your holdings keep working while you wait.
Researched and written by the BloFin Academy editorial team with AI-assisted drafting. All technical claims independently verified against published standards.
Disclaimer:
This is not (i) investment advice or an investment recommendation; (ii) an offer or solicitation, buy or sell digital assets; or (iii) financial, accounting, legal or tax advice. Some services may not be available in your jurisdiction. Users should carefully consider whether trading or holding digital assets is suitable in light of users' financial condition and risk tolerance. Please consult any legal/ tax/ investment professional for questions about users' specific circumstances. Digital assets, including stablecoins and NFTs, are subject to market volatility, involve a high degree of risk and can lose value. Historical returns are not indicative of future returns and past performance is not indicative of future results. BloFin is not responsible for any potential losses.