How to Use Binance Earn Locked Savings? Passive Income Guide

Accessing Locked Savings on Binance

1. Log in to your verified Binance account via the official app or website.

2. Navigate to the Finance section and select Staking & Earn.

3. Tap the Locked Staking tab to view all active fixed-term products.

4. Confirm that your KYC level supports participation in high-yield locked offerings.

5. Ensure your desired asset is available in the current product list, as availability rotates based on market conditions and protocol demand.

Selecting a Suitable Locked Product

1. Filter by asset type—options include BTC, ETH, USDT, BNB, and newly integrated tokens like TON.

2. Compare APY rates across different lockup durations: 7-day, 30-day, 90-day, and 180-day terms are commonly offered.

3. Review the underlying mechanism: some products use lending protocols, others rely on validator staking or liquidity provision.

4. Check whether early redemption is permitted and what penalties apply to premature withdrawal.

5. Examine historical payout consistency for the specific product using the Performance History chart displayed on each product page.

Subscribing to a Locked Staking Plan

1. Click on the chosen product to open its detailed specification panel.

2. Enter the amount of digital assets you wish to commit, ensuring it meets the minimum threshold.

3. The interface displays real-time projected rewards, including gross yield and estimated TON or USDT payout.

4. Confirm the lock period and acknowledge the non-transferable status of staked assets during the term.

5. Tap Subscribe and approve the transaction using your configured authentication method.

Tracking and Managing Active Positions

1. Go to Staking & Earn → Active Positions to monitor all locked subscriptions.

2. Each position shows remaining duration, accrued rewards, and next distribution timestamp.

3. Rewards are distributed daily in-kind and automatically added to your spot wallet balance.

4. No manual claim action is required—the system credits earnings at 00:00 UTC without intervention.

5. Assets remain inaccessible until maturity unless the product explicitly allows partial or full early exit with fee deduction.

Redeeming Upon Maturity

1. At expiration, the principal and final reward batch are released simultaneously to your spot wallet.

2. No confirmation step is needed—redemption occurs automatically at 00:01 UTC on the due date.

3. You may initiate a new subscription immediately after maturity using the same or different asset.

4. Transaction history reflects both the original lock-in and the settlement entries under Wallet Fund History.

5. If auto-renewal was enabled during subscription, the system re-allocates the full balance into an identical product term without user input.

Frequently Asked Questions

Q: Can I stake multiple assets simultaneously in separate locked plans?Yes. Binance permits concurrent subscriptions across distinct assets and durations without restriction.

Q: Are rewards subject to platform fees or network gas charges?No. All distributions occur on-chain or internally within Binance’s custody layer without external fee deductions.

Q: What happens if a staked token undergoes a hard fork during the lock period?Forked assets are credited to your spot wallet upon chain confirmation, independent of the locked position status.

Q: Is there a minimum balance requirement for redemption after maturity?No. Full principal and rewards are returned regardless of final amount—even sub-cent values are processed.