Fixed Earn is getting more flexible! Plans lasting up to 3 years, higher APRs, and a new payout system with no strict penalties — now you decide when to cash out and earn returns based on the actual duration of your investment.

Whatʼs new?

• Longer-term options: in addition to the standard 360-day plan, you can now choose 720-day (2-year) and 1080-day (3-year) plans.

• Flexible early exit model: instead of a fixed penalty, you earn interest proportional to how long you've held — based on defined checkpoints.

• Full payout preview: before confirming an early exit, youʼll see the exact interest amount you'll receive — no surprises.

• Principal always protected: no matter when you close your plan, your original deposit is returned in full.

How does it work?

1. When activating a long-term plan, you can see the full APR for holding to maturity, along with all defined early-exit checkpoints and their corresponding payout rates.

2. Your funds are then locked for the chosen period. As time passes, each completed checkpoint unlocks a higher reward rate — even if you choose to exit early.

Please note: If you decide to withdraw before maturity, you will see a payout preview showing: days held, the applicable checkpoint rate, and your projected earnings.

3. Funds are returned, and interest is paid out at the rate of the last completed checkpoint. Your original deposit is always returned in full; however, if you exit before reaching the first checkpoint, 0% interest is applied.

Important: Interest is always calculated based on the last completed checkpoint threshold — not the exact number of days held beyond it. The payment structure is described in more detail in the table below:

How do I activate a plan?

You can create a plan in the “Crypto Lending” section, either in the mobile app or on our exchange’s website.

For step-by-step instructions, we recommend reading our article: “Crypto Lending: a guide to plan management”.