CEX.IO Savings

Open beta
Daily rewards
Flexible Savings
Flexible Savings are your Crypto savings account. Just transfer your crypto to savings account and earn interest with the flexibility to withdraw your funds promptly at any time. It will also make good use of your idle funds with automatic purchases.
Coin Current APY
annual percentage yield
Yesterday’s Flexible APY & Trend Flexible Interest Per Thousand Auto transfer
btc
ZIL
Zilliqa
16%
... 13.33 ZIL
btc
DOT
Polkadot
10%
... 8.33 DOT
btc
MATIC
MATIC Network
10%
... 8.33 MATIC
btc
ATOM
Cosmos
8.2%
... 6.83 ATOM
btc
DAI
Dai
3%
... 2.5 DAI
btc
TUSD
TrueUSD
3%
... 2.5 TUSD
btc
USDC
USD Coin
3%
... 2.5 USDC
btc
USDT
Tether
3%
... 2.5 USDT
btc
ZIL
Zilliqa
Current APY
annual percentage yield
16%%
Yesterday’s Flexible APY & Trend
Flexible Interest Per Thousand
13.33 ZIL
Auto transfer
btc
DOT
Polkadot
Current APY
annual percentage yield
10%%
Yesterday’s Flexible APY & Trend
Flexible Interest Per Thousand
8.33 DOT
Auto transfer
btc
MATIC
MATIC Network
Current APY
annual percentage yield
10%%
Yesterday’s Flexible APY & Trend
Flexible Interest Per Thousand
8.33 MATIC
Auto transfer
btc
ATOM
Cosmos
Current APY
annual percentage yield
8.2%%
Yesterday’s Flexible APY & Trend
Flexible Interest Per Thousand
6.83 ATOM
Auto transfer
btc
DAI
Dai
Current APY
annual percentage yield
3%%
Yesterday’s Flexible APY & Trend
Flexible Interest Per Thousand
2.5 DAI
Auto transfer
btc
TUSD
TrueUSD
Current APY
annual percentage yield
3%%
Yesterday’s Flexible APY & Trend
Flexible Interest Per Thousand
2.5 TUSD
Auto transfer
btc
USDC
USD Coin
Current APY
annual percentage yield
3%%
Yesterday’s Flexible APY & Trend
Flexible Interest Per Thousand
2.5 USDC
Auto transfer
btc
USDT
Tether
Current APY
annual percentage yield
3%%
Yesterday’s Flexible APY & Trend
Flexible Interest Per Thousand
2.5 USDT
Auto transfer
Locked Savings
Commited to holding crypto? Now you can earn interest at the same time! Subscribe your crypto to locked saving periods for higher interest earnings.
Coin APY
annual percentage yield
Locked Saving Duration
btc
BTC
Bitcoin
4%
Coming soon
btc
ETH
Ethereum
6%
Coming soon
btc
USDT
Tether
12%
Coming soon
btc
BTC
Bitcoin
APY
annual percentage yield
4%
Locked Saving Duration
Coming soon
btc
ETH
Ethereum
APY
annual percentage yield
6%
Locked Saving Duration
Coming soon
btc
USDT
Tether
APY
annual percentage yield
12%
Locked Saving Duration
Coming soon

How it works

Transfer
Hold
Get earnings

FAQ

What are Flexible Savings?
Flexible Savings is your Crypto savings account. Subscribe your crypto to earn interest, with the flexibility to redeem your funds at any time.
What are Locked Savings?
Committed to holding your crypto? Now you can earn interest at the same time! Subscribe your crypto to locked savings periods for higher interest earnings.
What happens to my funds on the day I subscribe to a Locked Savings product?
On the day of subscription, Savings will deduct the funds for subscription from your exchange wallet.
What happens to my funds when I subscribe them to a flexible savings product?
After subscribing, you will receive Flexible Savings assets. Interest calculation from the next day(?)
What happens to my funds on the value date of a Locked Savings product?
On the value date, Savings will distribute the Locked Savings product to your savings wallet, and your saving product will start to accrue interest.
What happens to my funds on the redemption date of a Locked Savings product?
On the redemption date, you will see both the initial tokens committed to the subscription and the interest accrued in your account ‘balances’. This process will be automatic.
If I subscribe to a flexible savings product, when can I redeem my funds?
You can redeem at any time.
How do I redeem my funds from a flexible savings product?
Click on “Savings Assets” on the “Actions” dropdown. Click on “Redeem”
What is the difference between standard redemption and fast redemption?
Using the standard redemption method, you can redeem your funds the next day and still accrue interest for the period in between. Using the fast redemption method, you may redeem your funds the same day. This method is subject to a daily quota
How often do I receive interest from a flexible savings product?
The interest from flexible savings products is distributed directly to your account on a daily basis.
Am I guaranteed to earn interest on Savings products even if the crypto markets go down?
Yes. The interest rate on each product is guaranteed.
Will Savings continue to add more products & support for tokens other than those currently available?
Yes, Savings will be constantly evaluating new coins/tokens to be supported as saving products. Products will be supported based on demand and delivering the best value to Savings users.
How is the average annual yield (APY) calculated?
The average annual yield (APY) uses the average daily interest rate from the past 7 days, multiplied by 365.
What countries are you working in?
Savings are available in countries listed here: https://support.cex.io/en/articles/5080354-cex-io-savings-supported-countries.
Our team is already working to open Savings to more countries and territories. As soon as it happens, we will make appropriate announcements.