How much can you earn per month with 100,000 USDT? A detailed calculation of the earnings from OKX's "Auto Earn Crypto on Trading Account" feature.
Have you ever had this experience—calculating meticulously, precisely setting up your orders, eagerly awaiting a chance to make a fortune, only to have the market simply not move? Or perhaps you've just placed an order, and the market seems to be watching you, always moving in the opposite direction, resulting in losses not only on your position but also on the capital that could have earned interest. Meanwhile, you look at the investors next door, steadily receiving interest every day, earning returns without even watching the market, and can't help but think, "They're geniuses." As a trader with "small goals," you're either waiting for orders to be filled or holding positions waiting for the market's "judgment," yet your capital utilization rate is painfully low year after year. Even more frustrating is that to earn interest, you have to switch to investment; but when an opportunity arises, your capital is locked up and you can only watch helplessly as the opportunity slips away. This time, OKX launched the "Automatic Earning for Trading Accounts" feature, directly overturning this long-standing pain point—allowing you to earn interest while placing orders, and your margin to generate money online, eliminating the need to choose between trading and investment. Let's delve deeper into this product and see how much money OKX traders can actually make passively.
1. Transaction funds can also be automatically managed.
(I) Quickly Understand "Automatic Earnings in Trading Accounts" What is Automatic Earnings in Trading Accounts? This product currently only supports USDT. It automatically lends out your idle assets (USDT cross margin equity) in your trading account to earn returns without affecting trading, margin, or staking. The lending targets are OKX's internal leveraged borrowers and flexible borrowers, so the entire process is safe and transparent. In short, it allows your funds to automatically earn interest while trading. What is USDT cross margin equity? Simply put: it mainly includes available balance (USDT still available for trading), floating profit/loss (how much you've earned or lost on your USDT-based cross margin contracts), frozen margin (USDT locked during cross margin contract trading), and tied-up funds (USDT locked when placing spot or limit orders). It's the sum of all USDT-linked assets in your trading account, with an initial cap of 1 million USDT. Here are a few examples: Xiaoming's OKX trading account has 200 USDT idle, of which 100 USDT is used for cross margin, and he has a profit of 60 USDT. Therefore, the total USDT available for earning cryptocurrency in Xiaoming's account (USDT cross margin equity) is: 200 + 100 + 60 = 360 USDT. In contract trading: Xiaohong's OKX trading account has 200 USDT used for margin trading in cross margin, a loss of 40 USDT, and 100 USDT used for spot orders. Therefore, the total USDT available for earning cryptocurrency in Xiaohong's account (USDT cross margin equity) is: 200 - 40 + 100 = 260 USDT. Therefore, regardless of whether the user is a trader or a holder, idle USDT in their trading account can automatically earn interest.
II. Profit Calculation
In short, as long as your trading account has USDT cross margin with positive equity, you can activate the "Auto Earn in Trading Account" feature at any time. Once activated, these funds, along with your assets in Simple Earn, will participate in bidding according to your set annualized interest rate, lending to users who need to borrow USDT for leveraged trading or flexible borrowing. Earning interest begins as soon as the bid is successful, the entire process is automated and won't interfere with your normal trading. Therefore, the returns from OKX's "Auto Earn in Trading Account" can be understood as the returns from Simple Earn (flexible deposit). OKX APP data shows that from August 11, 2024 to August 10, 2025, the average annualized return for USDT Simple Earn was [missing data]. The return fluctuated considerably throughout the year, reaching a peak of [missing data]. Under certain market conditions, the annualized return could even spike to [missing data] at certain times of the day, several times higher than usual. (I) Calculation Table of Holding Profits for 50,000 U, 100,000 U, and 500,000 U Next, we will select several relatively reasonable average annualized returns of 1%, 9.67%, 8.45%, and 5.7% to calculate the returns of "Automatic Earnings in Trading Accounts".
Since APY fluctuates, meaning it changes in real time depending on the currency and product, users should refer to the information published on the OKX Simple Earn product page. However, it's clear from the table above that it's more favorable for large funds: the higher the yield, the more significant the difference in returns for large funds. For example, with 100,000 USDT, if the annualized rate increases from 1% to 9.67%, the daily interest earned increases from 2.74 USDT to 26.49 USDT, and over a year, it jumps from 1,000 USDT to 9,670 USDT. A few percentage points increase in the annualized rate translates to higher returns. (II) Comparison with Major Global Investment Methods Furthermore, by comparing with major global investment methods such as bank deposits, index funds, and DEFi returns, we can further understand the return level of "Automatic Earn Coins in Trading Accounts".
OKX's automatic earning feature on trading accounts offers a leading annualized yield among mainstream global investment methods. Based on the analysis above, its interest rates are often higher than the market average. Taking the stablecoin USDT as an example, during periods of high lending demand, OKX's automatic earning feature's annualized yield once soared to 49%, far exceeding the returns of traditional investment products such as bank deposits, demonstrating a significant comparative advantage in yield. Yield Advantage: OKX's automatic earning feature on trading accounts combines high liquidity and yield advantages. It automatically generates interest with a single click, allowing USDT held in pending orders or used as margin to continuously earn returns without altering trading habits, ensuring funds are never idle. Even after activation, funds can still be used for trading at any time, achieving a seamless switch between investment and trading. It's safe, worry-free, and requires almost no operational burden, allowing users to act quickly when opportunities arise and receive profits steadily. Liquidity Advantage:
III. Entry and Use
OKX's automatic earning feature for trading accounts is currently primarily available to VIP 1 and above users, and currently only supports USDT (more cryptocurrencies may be supported in the future). Whether you use spot trading, futures trading, cross-currency margin, or portfolio margin, you can activate it. The system will automatically calculate the amount of USDT you can earn based on your account's cross margin USDT equity and remaining available funds. No manual operation is required after activation; the system will automatically adjust according to changes in your account funds, and it will not affect your normal trading at all. Enabling method 1: You can directly access it through the landing page: OKX
Enabling Method 2: OKX APP: ① Assets tab on the trading page (visible to VIP users with positive USDT cross margin); or ② Assets → Trading Assets. After activating this feature, users can set their own lending rate and view historical interest rate trends, frequently asked questions, and product introductions. When confirming an order, the system will remind you: Automatic USDT earning cannot be turned off within 24 hours of activation. During this period, funds up to the total lending amount cannot be transferred out or withdrawn, nor can they be used for borrowing and transferring out or withdrawing. However, other trading operations will continue as normal and will not be affected. 2) After activation, you can view the current earning status on the asset page, including lending status, amount, and interest rate, and adjust the lending rate and view historical earnings at any time.
IV. Summary of Usage
OKX's "Auto Earn Crypto" feature allows your idle USDT in your trading account to automatically earn cryptocurrencies without interfering with trading or margin calls. Once activated, it runs continuously, with interest calculated hourly and credited in real-time. You can see your earnings changes at any time, ensuring you can trade and earn crypto simultaneously. The platform also provides risk margin and limit controls, making your funds safer while you earn crypto. For traders, these investment returns further help reduce transaction fees. Overall, this feature integrates the previously separate processes of "trading" and "earning crypto," allowing you to balance flexible funds and profit growth within a single account. For users, it allows them to seize market opportunities without idle funds; for the industry, it represents an upgrade in capital utilization, potentially improving overall market liquidity and capital efficiency, and possibly changing the competitive landscape of exchanges. Official account opening link: https://www.okx.com/join/7682422
