Introduction to Echobit Earn – Centro de ayuda de Echobit | Centro de atención al cliente

Echobit Earn supports digital assets such as BTC, ETH, and USDT, and offers Flexible and Fixed‑term Earn products. Users can choose different products based on their capital usage plans and expected holding periods. The applicable APR, duration, minimum subscription amount, and product rules are subject to the information displayed on the Earn page at the time of subscription.

What Is Echobit Earn?

Echobit Earn is a digital asset yield service that enables users to subscribe eligible digital assets to designated Earn products and earn returns in accordance with the rules of the selected product.

Echobit Earn currently offers two primary product types of products:

Flexible Earn: Provides relatively higher asset flexibility, subject to the applicable product rules for subscription and redemption.
Fixed Earn: Allows users to select a fixed term, during which the assets are locked and returns are calculated according to the applicable product rules.

Echobit Earn currently supports BTC, ETH, and USDT, and additional assets or products may be rolled out subject to market conditions and product operations.

Important: Earn products are not principal-protected products, and digital assets are subject to the risk of loss. The APR displayed on the product page represents the current annualized rate and does not represent actual or guaranteed returns.

What Earn Products Are Currently Available?

Echobit currently offers Flexible and Fixed Earn products for BTC, ETH, and USDT.

Flexible Earn

Currency	Current Reference APR	Minimum Subscription
BTC	0.18%	0.001 BTC
ETH	1.00%	0.01 ETH
USDT	1.50%	1 USDT

The APR of Flexible products may change based on market conditions and product mechanisms. Therefore, the APR shown when you subscribe may differ from a rate displayed previously.

For the current available amount, APR, and product status, please refer to the information displayed on the Echobit Earn page.

Fixed Earn

Currency	Term	Current Reference APR	Minimum Subscription
BTC	30 Days	0.50%	0.001 BTC
BTC	60 Days	1.00%	0.001 BTC
ETH	7 Days	1.50%	0.01 ETH
ETH	30 Days	1.80%	0.01 ETH
ETH	60 Days	2.00%	0.01 ETH
USDT	7 Days	50.00%	1 USDT
USDT	30 Days	4.50%	1 USDT
USDT	60 Days	5.50%	1 USDT

Note: The APR information above is for reference only based on the current product data. APRs, available subscription limits, product terms, and other product rules are subject to change. Please refer to the information displayed on the Echobit Earn page at the time of subscribing.

What Is Flexible Earn?

Flexible Earn generally has no fixed lock‑up period. Users can subscribe, view their earnings, and redeem their assets in accordance with the applicable product rules.

Under the current Earn service rules:

Flexible Earn generally starts accruing interest at 08:00 UTC+8 on the day after subscription.
Each interest calculation cycle runs from 08:00 UTC+8 each day to 08:00 UTC+8 the following day.
Users must continue holding the subscribed assets through to the end of the relevant interest cycle to receive the corresponding earnings.
If assets are withdrawn or redeemed before the end of an interest cycle, no earnings for that cycle may be accrued for that cycle.

Please refer to the relevant product page for the latest interest calculation and redemption rules.

What Is Fixed Earn?

Fixed Earn provides products with different lock-up periods, enabling users to choose a product based on their intended use of the assets.

Upon subscribing to a Fixed Earn product, the assets are locked for the selected term and returns are calculated in accordance with the applicable product rules.

Available terms may differ across assets, such as:

BTC: 30 Days and 60 Days
ETH: 7 Days, 30 Days, and 60 Days
USDT: 7 Days, 30 Days, and 60 Days

The APR of Fixed Earn products may vary depending on the selected term and product configurations. During the lock-up period, early redemption or withdrawal is generally not permitted. If a specific product supports early redemption, some or all of the accrued earnings may be deducted according to the applicable product rules.

Before subscribing to a Fixed Earn product, please confirm:

Product APR;
Lock-up period;
Minimum subscription amount;
Whether early redemption is supported;
The potential impact of early redemption;
How the assets and earnings will be handled at maturity.

What Is APR?

APR (Annual Percentage Rate) is an annualized metric that shows the potential annualized return of an Earn product based on its prevailing rate.

For example, if a carries an APR of 10% and you subscribe 1,000 USDT for 30 days, the estimated return would be:

1,000 × 10% × (30 ÷ 365) ≈ 8.22 USDT.

This does not mean that you will receive a fixed 10% actual return regardless of holding duration. Actual earnings may be affected by:

Actual interest accrual period;
Actual subscription and redemption time;
Changes to the product APR;
Product‑specific yield rules;
Product maturity or redemption rules;
System calculations and rounding.

Accordingly, APR is only an annualized rate displayed for reference and does not represent actual or guaranteed returns.

How Do I Subscribe to Echobit Earn?

Log in to your Echobit account.
Go to the Earn page.
Select an available digital asset, such as BTC, ETH, or USDT.
Select a Flexible or Fixed product.
Check the current APR, term, and minimum subscription amount.
Carefully review the product's interest calculation, lock-up, and redemption rules.
Enter the subscription amount.
Confirm and complete the subscription.

After a successful subscription, the assets will enter the interest accrual or lock-up status according to the applicable product rules.

How Will My Earn Assets Be Used?

According to the Echobit Earn Service Agreement, upon users’ subscription to an Earn product, Echobit may process the relevant digital assets according to the applicable service arrangements. This may include pooling users’ assets together and, under certain circumstances,deploying such assets for platform‑related operations, extending loans to other users, or participating in on-chain staking.

Therefore, Earn products are not simply an asset storage service and are not principal-protected products.

Users should understand the relevant risks before subscribing and consider their own asset needs and risk tolerance when selecting products.

Risk Disclosure

Digital assets and related Earn products involve certain risks, including but not limited to:

Digital asset price volatility;
Changes in Earn product returns;
Lock-up and liquidity risks associated with Fixed products;
Early redemption restrictions or adjustments to returns;
Technical failures and system risks;
Market and liquidity risks;
Risks related to third-party protocols or on-chain services.

Past returns do not indicate future returns. The APR displayed on the platform does not represent actual or guaranteed returns.

The applicable APR, subscription limits, product terms, interest calculation rules, redemption rules, and other product conditions are subject to the latest information displayed on the Echobit Earn page at the time of subscription.