The best exchanges with tools for passive income

Crypto exchanges are working to expand their range of tools for passive income in pursuit of new users. However, not all offerings are worthy of attention.

The BeInCrypto editorial team examined tools for organizing passive income from crypto at 5 popular crypto exchanges. We tell you where to go for easy money.

Table of Contents* 1. OKX

• Which OKX product to choose

• 2. Bitget

• Which Bitget product to choose

• 3. Bybit

• Which Bybit product to choose

• 4. HTX (Huobi)

• Which HTX product to choose

• 5. MEXC

• Which MEXC product to choose

• The best crypto exchange tools for passive income

1. OKX

On OKX, all products for passive income are gathered in one section. Besides traditional deposits, the platform offers structured solutions, collateral loans, and early access to token sales. With a wide range of options, everyone can find an offer to their liking on OKX. Below is a complete overview of the available tools on the crypto exchange for passive income.

1. Simple Earn

The tool allows you to invest from 100 units of any supported tokens (USDT, USDC, ETH, etc.) and receive daily rewards. For example, you have 2000 in USDT. Instead of just holding the coins in your wallet, you can send them to the OKX Earn program and start earning interest. Like a bank deposit, only more profitable.

Available modules:

• Flexible term

• Delegate assets to fund margin loans on OKX.
• Income is credited every hour.
• Subscription and withdrawal of funds are available 24/7 without blocking.

• Fixed term
  • Locking funds for the selected period (from 7 to 90 days).

• Interest is accrued daily based on the pre-established APR, with the principal and income paid out at the end of the term.

Key advantages:

• Low entry threshold ( from 100 tokens ).
• Transparent APR rates ( depend on the current asset value ).
• No management fees.

Risks and disclaimers:

• Past performance does not guarantee future results.
• OKX does not guarantee the payment of principal and interest in case of force majeure.
• The full list of risks is in section 6 "Terms of Service."

2. Onchain Earn

Automated investing in verified DeFi protocols (Aave, Compound, Curve, etc.) through a single OKX interface. With this tool, you can also make the crypto sitting in your account generate income.

Mechanics and Advantages:

• Higher rates compared to simple Earn.
• Diversification of risks by investing in several liquidity pools at once.
• The income is composed of interest from DeFi protocols and platform bonuses.

Risks: smart contracts, possible failures in protocols.

3. Structured Products

Structured products combine deposit and option strategies, offering protection of part of the capital and the potential for excess returns.

Types of products:

• Double Investments. Convert crypto at a predetermined rate and earn interest, even if the rate does not reach the target.
• Shark Fin. Your capital is protected, and the income depends on how the price of the underlying asset changes.

Example of Shark Fin products:

| Product | Term | APR Calculation | | --- | --- | --- | | "Bullish on BTC" (USDT) | 1 d | 0.75% – 20.00% | | "Bullish on ETH" (USDT) | 1 d | 1.25% – 4.25% | | "Bearish on BTC" (USDT) | 1 day | 1.25% – 4.25% | | "Bearish on ETH" (USDT) | 1 d | 1.25% – 4.25% |

Advantages

• Higher yield than in a deposit.
• Clear terms and APR range are known in advance.
• Automatic position control.

Risks:

• The income depends on the final price of the asset.
• With low volatility, a minimum APR is paid.
• Capital protection may not work in extreme conditions.

4. Loans

Flexible loans secured by crypto are suitable for trading or obtaining liquidity without selling assets.

Key Features:

• Instant approval of the application.
• Multicurrency collateral: over 100 tokens (BTC, ETH, OKB, etc.).
• Floating APR: the rate changes depending on market conditions.
• Redemption at any time without penalties.

5. Jumpstart

The IDO/IEO early token sale platform, within which OKX provides access to promising projects.

Participation Mechanics:

1. Project selection by the OKX team.
2. Access levels based on OKB staking and exchange activity.
3. Token reservation in USDT, ETH, OKB, and others.
4. Distribution of allocations after the round closes.
5. Listing and free trading.

Key Indicators:

• Views: 2,639,477
• Total amount of bids: $5 741 844 878
• Projects: 14

Risks and Recommendations:

• High volatility of new tokens.
• Limited allocations - not all applications are satisfied.
• Before participating, study the project's roadmap and tokenomics.

Which OKX product to choose

• For instant liquidity and simplicity — Flexible Simple Earn.
• For higher yield and diversification — Onchain Earn or structured products.
• To maintain exposure when obtaining liquidity — Flexible Loan.
• To access startups — Jumpstart, but only after careful analysis.

passive income on OKX

2. Bitget

Crypto exchange Bitget offers a wide range of secure financial products with high returns and varying levels of risk. All offerings can be divided into several categories. Let's take a look at them.

Flexible Savings

• Interest accrual — every hour or day.
• Liquidity — assets can be redeemed at any time without losing accrued interest.
• Transparent conditions — the rate is known in advance, there are no hidden fees.

On-chain Earn

• Daily yield in verified DeFi protocols.
• Without the risk of losing the principal amount – the principal always remains intact.

On-chain Elite

• Modification of On-chain Earn with increased yield for more active investors willing to engage in slightly more aggressive strategies.

HodlerYield

• Hold your assets and watch them grow.
• Supported tokens WEETH, USDE, and BGSOL – stable earnings for holders.

Shark Fin

• Structured product with guaranteed capital.
• Combines fixed income and derivatives for maximum yield within a specified range.
• Ideal for users who prefer low risk and stable results.

Smart Trend

• Guaranteed principal plus strategies that respond to market trends.
• Allows you to profit from both the rise and fall of digital asset prices.
• Investors choose the direction of the trend themselves, balancing between risk and increased income.

Dual Currency Investments

• Investing in two assets simultaneously without capital protection.
• High potential profit regardless of market direction.
• Suitable for long-term holders looking to increase their positions.

VIP Club Premier

• Exclusive Earn products and competitive pricing structure for large investors.
• Priority access to new tools, personalized recommendations, and special conditions.

Capital Management

• Professional platform for turnkey portfolio creation and management.
• Individual strategies for stable wealth growth.
• Suitable for affluent clients, asset management experts, and VIP users of Bitget.

Crypto loans

• Flexible borrowing secured by crypto assets.
• Fast onboarding, multi-level liquidation system and fund protection.
• The ability to obtain liquidity without selling tokens.

Premier Loans

• Individual large loans for institutional and VIP clients.
• Using own assets as collateral for operational access to liquidity.
• Increases capital efficiency during market opportunities.

Which Bitget product to choose

• Beginner and maximum liquidity: start with Flexible Savings — easy entry, quick exit, and transparent income.
• Conservative Investor: pay attention to Shark Fin and On-chain Earn — guaranteed capital and stable returns.
• Those looking to diversify strategies: consider Smart Trend and Bivalyutnye investments for the opportunity to profit from price fluctuations.
• Long-term holders: HodlerYield with WEETH, USDE, BGSOL will ensure continuous growth of your assets.
• Large Capital and Personal Approach: Join the Premier VIP Club and the Capital Management service for exclusive recommendations.
• Need for liquidity without selling assets: choose Crypto Loans or Premier Loans for quick access to funds.

Choose a product according to your goals, risk level, and investment horizons — and let Bitget Earn work for the growth of your crypto portfolio.

3. Bybit

The Bybit team has scattered offers for generating passive income across the main platform and its Web3 interface. Let's take a look at them.

1. Savings and Staking

Bybit Accumulations

• Flexible Savings (flexible deposits): funds can be withdrawn at any time, the yield on different coins ranges from 3% to 12% per annum.
• Fixed Savings (fixed deposits): fixed APY up to 15%, lock-up period from 7 to 90 days, minimum deposit usually starting from 10 USDT.

Staking

• Direct participation in PoS networks (ETH, ADA, DOT, etc.) at a pre-known percentage.
• Selection of pools with a lock-up period from 7 to 60+ days.

Liquid Staking

• Tokenized staking: you give away coins (Solana, Mantle, etc.) to the pool and receive LST tokens (such as bbSOL, bbMNT).
• LST automatically accumulate rewards, while you maintain liquidity and can freely trade tokens or use them in DeFi.

2. Double strategies with options

Dual Currency Investments (Dual Currency). You choose a pair of assets and a strike price. At the end of the term, you either receive an enhanced yield in an alternative currency or your original asset back to your wallet.

Double Win. A hybrid of deposits and options: potentially high APY and capital protection — in case the market moves away from the strike, you still get your invested asset back.

3. Advanced Solutions and Automation

Advanced. The all-in-one strategy set: allocation between spot, futures, and staking with one click.

Smart Leverage. Automatic leverage management in spot trading: leverage increases when the asset price rises and decreases when it falls, reducing the risk of forced liquidation.

Capital Management (Wealth Management). Individual portfolios tailored to goals and risk levels: from conservative investments to aggressive "baskets" with a high share of altcoins.

4. Liquidity and on-chain farming

Liquidity mining. You add funds to AMM pools (Bybit DEX and other networks) and receive a share of fees plus tokens from the pool projects.

Onchain Earn. Decentralized staking and farming directly on the blockchain with full control of private keys and more transparent conditions.

5. Special offers and loyalty programs

Discount Purchase. Automatic averaging using the DCA strategy with additional commission discounts.

Airdrop Center. Catalog of DApps and Web3 projects: complete simple tasks ( wallet binding, interact with the protocol ) and receive free tokens.

Web3 Points. Points for trading on DEX Pro and other Web3 activities. Accumulated points can be exchanged for lottery tickets to participate in prize draws. Participation is available to Bybit Seed Phrase Wallet holders without the need for KYC.

Which Bybit product to choose

• Conservative Investor: Fixed Savings, traditional staking, Wealth Management.
• Moderate Investor: Flexible Savings, Liquid Staking (bbSOL, bbMNT), Dual Currency.
• Aggressive Investor: Liquidity Mining, Double Win, Advanced.
• DeFi enthusiast: Onchain Earn, Airdrop Center, Web3 Points.
• Automatic approach: Smart leverage, Purchase at a discount, Capital management.

4. HTX (Huobi)

One of the oldest crypto exchanges, HTX, also offers its tools for organizing passive income in crypto. Let's take a look at them.

1. Flexible and Fixed Deposits

• Flexible deposits allow you to deposit and withdraw funds at any time without losing accrued interest. Payments are made daily.
• Fixed Deposits — investments for a predetermined period from one week to several months with a fixed interest rate. Upon maturity, you can either extend the deposit or withdraw the funds along with the accrued interest.

( 2. Shark Fin

Structured product with floating returns: the interest depends on the price range of the underlying asset. Shark Fin allows for increased returns during moderate market fluctuations while protecting part of the capital during sharp price movements.

) 3. ETH 2.0 Staking

Participate in the Ethereum transition to Proof-of-Stake: lock your ETH until the network upgrade is completed and earn rewards for supporting the consensus. Payments are automatically credited to your HTX balance.

4. Staking PoS coins

Staking popular Proof-of-Stake assets through HTX:

• Flexible staking without fixed terms.
• Fixed staking for 30/60/90 days with increased yield.
• Rewards are paid out daily or at the end of the period.

5. Bi-currency investments

A structured product in which the income is calculated based on the simultaneous movement of the exchange rates of two coins. It allows for a higher return than in traditional deposits, but in the case of a sharp trend, part of the funds may be converted into a less preferred asset.

6. Loans

• Crypto Loans: You provide liquidity to traders for margin trading and receive interest payments. The repayment term depends on the borrower, and interest is accrued daily.
• OTC Loan: individual large-volume loans with custom terms on the rate and repayment schedule, designed for institutional or advanced users.

Which HTX product to choose

• Flexible Deposits — if you need full liquidity and daily payouts.
• Fixed Deposits — for those who are ready to lock in funds for a term in exchange for higher returns.
• Shark Fin — for investors seeking higher returns with moderate risk.
• ETH 2.0 Staking — if you believe in the long-term growth of Ethereum and are willing to lock up ETH until the upgrade is complete.
• Staking PoS coins — for holders of PoS assets who wish to receive stable income.
• Bivalyutnye investments - if you are ready for a more complex structure and want to increase profitability through market fluctuations.
• Crypto Loans — for users who want to lend to other traders and receive interest payments.
• OTC loan — for large clients in need of individual conditions and large volumes.

5. MEXC

![]###https://img-cdn.gateio.im/webp-social/moments-9dad94776ebc5864e36a592f0588d9ee.webp###Completing our ranking is the crypto exchange MEXC. We discuss what products the trading platform team offers for generating passive income in crypto.

( Fixed Savings

Asset locking for 2–7 days with very high returns: USDC ) for 2 days, 600% APR###, TON ( for 3 days, 400% APR), SOON ( for 3 days, 200% APR; 5 days, 100% APR), USD1 ( for 3 days, 100% APR), TGT ( for 5 days, 400% APR; 7 days, 100% APR). Interest begins to accrue from the next day (T+1) and is paid daily or in a lump sum upon redemption.

( Perpetual savings

Free access to funds and daily snapshots with a dynamic or tiered rate: Ethena USDe up to 7% APY, USDD 10% APY, USDC up to 9% APY. Funds remain in the spot wallet and can be withdrawn or used for trading at any time.

) Staking SOL

Tokenization of SOL in MXSOL ###1 SOL ≈ 0.9984 MXSOL### with on-chain interest accrual (~ 7.35% APY) and flexible redemption without asset lock-up — you can convert MXSOL back to SOL at any time.

( Referral Program

Invite friends and earn up to 40% commissions from their trading fees )spot, futures, DEX+### with complete performance analytics and the ability to withdraw rewards in any supported Crypto.

( Which MEXC product to choose

• Fixed Savings — if you are a beginner and want to quickly earn a high income in a short period of time )2–5 days###.
• Perpetual Savings — if liquidity is important to you and you prefer an income of 7–10% APY with free access to your funds.
• SOL Staking — if you believe in the Solana ecosystem and are looking for on-chain income (~ 7.35% APY) with the ability for instant redemption.
• Referral Program — if you are an active trader or content creator and want to earn by attracting new users (up to 40% commission).

Best Crypto Exchange Tools for Passive Income

Here is a comparative table of passive income tools on different crypto exchanges. For clarity, the tools from OKX are highlighted as the most profitable.

| Category | OKX | Bitget | Bybit | HTX (Huobi) | MEXC | | --- | --- | --- | --- | --- | --- | | Simple Earn / savings | Flexible ( from 100 tokens, accrual every hour, withdrawal without blocking)Fixed ( 7–90 days, daily payments, no fees) | Flexible ( hour/day, without blocking)On-chain Earn (DeFi, without capital loss) | Flexible Savings ( 3–12% APY)Fixed Savings ( up to 15% APY, 7–90 days, min. 10 USDT) | Flexible ( daily) and fixed ( 1 week–∞, daily/upon completion) | Perpetual ( 7–10% APY)Fixed ( 2–7 days, up to 600% APR on high-yield tokens) | | On-chain Earn | Automated investing in Aave, Compound, Curve, etc., diversification, OKX bonuses | Daily payouts from verified DeFi protocols | On-chain Earn ( decentralization, key control ) | — | — | | Structured Products | Double Investment, Shark Fin (APR up to 20%, partial capital protection, clear terms) | Shark Fin (guaranteed capital), On-chain Elite (enhanced APY) | Dual Currency, Double Win (hybrid of deposits and options) | Shark Fin (floating yield, partial protection) | — | | Loans | Flexible loans secured by >100 tokens, instant approval, floating APR, no penalties for early repayment | Crypto-loans (flexible), Premier loans (VIP, institutional) | — | Crypto-loans (margin. liquidity), OTC loans (individually) | — | | Launchpad / token sales | Jumpstart: 14 projects, $5.74 billion in applications, access via OKB staking, high competition | — | Airdrop center, Web3 Points ( lotteries, activity points ) | — | Referral program ( up to 40% commissions from invited contributions ) | | Unique Features | All products in one section "Earn", transparent APR, no fees, threshold from 100 tokens, early access in Jumpstart | Premium club Premier, capital management, HodlerYield | Liquid Staking (bbSOL, bbMNT), Smart Trend (auto-leverage management), advanced strategies | ETH 2.0 Staking, PoS staking of different terms, OTC loans | Extremely high APR in short-term fixed (up to 600%), tokenization of SOL (MXSOL) |

OKX offers the best conditions:

• Low entry threshold — from 100 tokens, while most competitors require ≥ 10 USDT or single tokens.
• Flexible and fixed tools with no fees and with "transparent" APR.
• A wide range of products in one Earn section ( from simple deposits to complex structured solutions and Jumpstart ).
• Automated On-chain Earn combines risk diversification and platform bonuses.
• Early access to token sales through Jumpstart with proven statistics.

Thus, OKX becomes the winner of the ranking of crypto exchanges with the best tools for passive income.

passive income on OKX

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Top crypto platforms

OKX Go

Bitget Go

CoinEx Go

BloFin Go

TonTrader Go

Top crypto platforms

OKX Go

Bitget Go

CoinEx Go

BloFin Go

TonTrader Go

Top crypto platforms

OKX

Bitget

CoinEx

BloFin

TonTrader

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