There’s a way to make your crypto work for you even while it’s just sitting on an exchange.
Bybit Earn is the exchange’s section for passive income, where your assets earn interest every day: no trading, no charts, and no need to monitor the market. Deposit USDT, choose a product, confirm—and your money works for itself.
You can start with as little as 1 USDT, which is less than 100 rubles at the current exchange rate.
In 2026, the Bybit website will be accessible to Russian users without a VPN; Russian passports are accepted for verification, and you can fund your account via P2P using the SBP system from cards issued by Sberbank, T-Bank, and other Russian banks.
Sign up with a welcome bonus of up to 30,100 USDT: bybit.com
How Bybit Earn Works
In 2026, Bybit Earn includes Easy Earn, Auto Earn, flexible savings, fixed deposits, on-chain staking, Launchpool, and more complex products like Dual Asset.
Earn is a separate section of the Bybit exchange dedicated to passive income. You transfer assets to your Earn account, select a product, enter the amount, and confirm.
From there, the platform handles everything on its own:
- issues loans to other users
- participates in blockchain staking
- directs funds to protocols
An Earn account is technically a separate wallet within the exchange, isolated from your trading account. You can transfer money back and forth at any time without fees or delays. Need to buy a token on the spot? Funds are transferred in a second.
Yield is calculated hourly and credited daily at 12:30 UTC to the funding account, even if the main body of the deposit remains in the trading account.
Who it’s for:
- You bought USDT via P2P and don’t know what to do with it next
- You hold Bitcoin (BTC) or ETH for the long term and want to earn interest while waiting for it to appreciate
- You trade actively, but your free liquidity just sits idle between trades
What is Easy Earn on Bybit — and why is everyone asking about it
Easy Earn is the official name of the Bybit Earn section for beginners. It’s not a separate product, just an updated interface: Bybit renamed the section to make it clearer. Inside, everything is the same—Flexible Term and Fixed Term. BTC, ETH, USDT, and other popular coins are supported.
If you see “Easy Earn USDT” in the interface, it’s simply Flexible Term in USDT. Your funds earn interest daily, and you can withdraw at any time. By the way, many users find that their USDT is already in Easy Earn—this means Auto Earn was automatically enabled when purchasing via P2P.
What is Auto Earn on Bybit
Auto Earn is a toggle feature, not a separate product. It’s available via Bybit Card or Bybit Pay. The concept is simple: the available balance in your funding account is automatically transferred to flexible savings every day at 10:00 UTC. Turn it on once, and your money won’t just sit idle anymore.
All auto-enrolled assets can be withdrawn at any time—there are no lock-ins. Turning off Auto Earn is just as simple: Finance → Bybit Card or Bybit Pay → Auto Earn toggle → turn off.
This is convenient for those who periodically have funds left in their balance between trades or after a P2P purchase: they automatically start earning interest without requiring any action.
What is a Bybit Earn account
A Bybit Earn account is a separate “pocket” within the exchange where assets are transferred to participate in Earn products. It is isolated from your trading and funding accounts: the funds there do not participate in trading, are not used as margin, and are not subject to liquidation.
Transfers from your funding account to Earn are instant and commission-free. The reverse is also true. You can view your balance and accruals in the “Assets” → “Earn Account” section.
What products are available on Bybit Earn in 2026
Flexible Savings (Flexible / Easy Earn)
The easiest option to get started. Deposit USDT — earn interest daily. You can withdraw funds at any time, with no waiting periods.
- USDT rate: approx. 8–11% on the first 200 USDT, then approx. 3%
- Minimum amount: from 1 USDT
- Accrual: daily at 12:30 UTC
- Withdrawal: at any time, instantly
One thing about the tiered rate: if you have 1,000 USDT in flexible savings, the first 200 earn 10%, and the remaining 800 earn about 3%. The total annualized return on the entire amount is about 4.4%. Calculate in advance based on your own amount.
Fixed Savings
Classic deposit logic. You lock up your funds for a set term and receive a higher rate than with flexible savings.
- Terms: 7, 14, or 30 days
- Rate: higher than flexible savings, fixed at the time of opening
- Early withdrawal: possible for some products, but with a loss or reduction in APR
- Suitable for: those who know for sure they won’t need the money in the near future
Important: If you do not enable Auto-Renew, the funds will return to your funding account at the end of the term and will stop earning interest. Check your settings before depositing.
On-Chain Staking (On-Chain Earn)
Funds go directly to blockchain networks. Bybit acts as an intermediary: technically, you are participating in staking on real networks, simply through the exchange’s user-friendly interface.
Estimated rates for May 2026:
- ETH: approx. 2.9% per annum
- SOL via Jito: approx. 5.89% per annum
Important details:
- Withdrawals take time — ETH has an unbonding period of several days, and SOL also has a delay
- No interest is accrued during the unbonding period
- Rates depend on the network and vary; current figures are always available in your account
- Suitable for those who already have a basic understanding of how Earn works
Launchpool
Lock up MNT or USDT for 5–7 days and receive tokens from a new project launching on Bybit. The annualized yield can be very high if the token’s price rises after listing. Anyone can participate; the entry threshold is low, and the mechanics are simple.
- Lock-up period: 5–7 days
- What you get: tokens of the new project
- Minimum: depends on the campaign, usually available starting from small amounts
Other products: Dual Asset, structured products, and liquidity mining
In addition to flexible savings, fixed deposits, on-chain staking, and Launchpool, Bybit Earn offers more complex products. They aren’t suitable for all beginners, but it’s worth understanding them—the returns can be higher, and the risks are more significant.
Dual Asset Investments
Dual Asset is a product where the final result depends on the price of the selected asset on the settlement date. You deposit USDT or cryptocurrency, select a term and a target price. Returns are usually higher than standard savings, but the payout may not be in the same currency you initially deposited.
Structured Products
High-yield instruments where the outcome depends on market behavior. Unlike standard savings, the asset’s price at maturity is what matters here. It’s best to use these products after you’ve already gotten the hang of basic Earn.
Liquidity mining
Placing assets in a trading pair. You add liquidity and earn income from fees and APR. Returns may be higher than with simple savings, but the outcome depends on price movements and the asset ratio within the pair.
Dual Asset, structured products, and liquidity mining are not the first step. To get started, it’s better to use flexible savings in USDT and move on to these instruments only after you’ve mastered the basics.
Bybit Earn Product Comparison Table
| Product | Approximate Rate | Lock-up | Risk | For whom |
|---|---|---|---|---|
| Flexible Savings (Easy Earn) | 8–11% (first 200 USDT), then ~3% | No | Low | Beginners, getting started |
| Fixed deposits | Above market rate, fixed upon entry | 7–30 days | Low | Patient investors |
| On-chain staking | 2–6% depending on the asset | Available (unbonding) | Medium | Experienced users |
| Launchpool | Depends on the project | 5–7 days | Average | Anyone interested |
| Dual Asset / Structured | Higher than standard, depends on the market | Available | High | Experienced, know the market |
Rates are current as of May 2026; please check the current terms in your account before placing a deposit.
How to get started with Bybit Earn — step-by-step guide
- Sign up for Bybit via the link to activate a bonus of up to 30,100 USDT: bybit.com. Registration via email takes 2–3 minutes.
- Complete KYC Level 1 verification. You’ll need a Russian passport and a camera. Your part takes 3–5 minutes; automatic document verification takes 5 minutes to an hour. For more details on the process, see the guide on registering on Bybit from Russia.
- Buy USDT via P2P. Go to the “Buy Cryptocurrency” section → “P2P Trading.” Choose a seller who accepts payment via Sberbank, Tinkoff, or SBP, transfer rubles, and receive USDT. There is no commission for the buyer, and the entire process takes 10–20 minutes.
- Transfer USDT to your Earn account. Go to the “Assets” section → “Transfer” → from your funding account to your Earn account. Instantly, with no fees.
- Select a product. Go to the "Earn" section → select a type → enter the amount → confirm. For your first time, flexible savings in USDT are the most convenient option.
- View your earnings in the "Assets" → "Earn Account" section. For flexible savings, earnings are credited daily at 12:30 UTC.
How to withdraw money from Bybit Earn
One of the most common questions—and the answer depends on which specific product you used.
Flexible savings (Easy Earn, Flexible) — instantly
- Open the “Earn” section → find your active product
- Click the Redeem button
- Select where to send the funds: to your funding account or to your trading account (UTA)
- The funds are credited instantly
Important: returns are always credited to the funding account, even if the principal was withdrawn to the UTA. Check both accounts after withdrawal.
Fixed deposits — on the maturity date
- Wait until the maturity date — withdrawal is not possible before this time (or is possible with a loss of part of the APR, depending on the specific product)
- Upon maturity, the principal and earnings are automatically returned to the funding account at 12:30 UTC
- If Auto-Renew is enabled, funds will automatically roll over to the next term. Disable it in advance if you want to withdraw the money
On-chain staking — with an unbonding period
- Click Redeem on the product card
- The unbonding period will begin: for ETH — a few days; for SOL — also with a delay (depends on the network)
- No income is accrued during the unbonding period
- After the unbonding period ends, funds are transferred to your funding account
If you need to withdraw your on-chain staking funds urgently, allow 2–5 days for this, depending on the network.
How to disable Auto Earn
Finance → Bybit Card or Bybit Pay → find the Auto Earn toggle → turn it off. After that, the available balance in your funding account will no longer be automatically allocated to flexible savings.
Once the funds have returned to the funding account, you can sell them via P2P and receive rubles on your card. For more details, see the article on how to withdraw cryptocurrency in Russia in 2026.
How much can you actually earn — calculations in rubles
Example 1 — 500 USDT in flexible savings.
The first 200 USDT at 10% yield 20 USDT per year. The remaining 300 at 3% yield another 9 USDT. Total: about 29 USDT per year. At an exchange rate of 90 rubles per dollar, this is approximately 2,610 rubles in annual income from an investment of 45,000 rubles. The yield is about 5.8% in ruble terms—higher than most current ruble deposits at small banks. It’s not a game-changer, but it’s real money for zero effort.
Example 2 — a combined approach, using the same 500 USDT.
200 USDT in flexible savings (10%) yields 20 USDT. 300 USDT in SOL staking (5.89%) yields about 17.7 USDT. Total: about 37.7 USDT per year — approximately 3,390 rubles. Plus, participating in 1–2 Launchpool campaigns per year can add a few more USDT on top of that, depending on the projects and the market.
Earn won’t turn $500 into a fortune. But it’s better than just holding crypto. The more capital you have, the more significant the absolute amounts become at the same interest rates.
Bybit Earn Risks — An Honest Look at the Downsides
- Exchange credit risk. Your funds are held by the platform. If Bybit goes bankrupt or freezes withdrawals, your money will be at risk. There is no government deposit insurance here, unlike bank deposits up to 1.4 million rubles. Bybit publishes an independent Proof of Reserves audit, which confirms that reserves exist—this is better than nothing, but it’s not the ASV.
- Tiered rates. The advertised 10% rate applies only to the first 200 USDT. If you have 2,000 USDT in flexible savings, the total return on the entire amount will be around 3.7%. Calculate your own figures in advance—the actual numbers may differ significantly from the advertised rates.
- Floating rates. Bybit can change the rate at any time without notice. You can only lock in a rate with fixed-term deposits. Flexible savings always use the market rate, which fluctuates with market conditions.
- On-chain risks. Smart contracts into which funds are deposited during on-chain staking are theoretically vulnerable to exploits. This is rare, but the probability is not zero. Some networks have a slashing period—if a validator behaves dishonestly, part of the staked funds may be confiscated by the network.
- Launchpool: Tokens After Distribution. Many projects launch tokens with high hype, but after listing, the price corrects by 60–80% in the first few weeks. You receive tokens at zero cost, so you usually end up in the black—but you shouldn’t count on a specific amount in advance.
Bybit Earn for Russians in 2026 — what you need to know
Bybit operates for Russian users without restrictions. The site opens without a VPN, the interface is in Russian, and support responds in Russian around the clock. Verification with a Russian passport proceeds as usual.
Deposits via Russian bank cards are not directly available due to sanctions. There is only one working method: P2P. You buy USDT from another user via Sberbank, Tinkoff, Alfa, or SBP, and the funds are credited to your Bybit balance. There is no fee for the buyer.
Regarding taxes: Bybit is not a tax agent in Russia and does not report anything to the Federal Tax Service (FTS). You must declare crypto income yourself—this is subject to a 13% personal income tax for most individuals. Income is considered to be the sale of crypto for more than the purchase price and the receipt of interest. The Federal Tax Service does not yet receive data automatically from foreign exchanges, but this may change—it’s wise to keep a transaction history now. Just export a CSV from your Bybit transaction history once a quarter—it takes two minutes and will make life much easier if an issue ever arises.
Many people put off getting started because it seems like they need to invest a lot right away. In practice, 50–100 USDT is enough to understand the mechanics and verify that everything works exactly as described. After that, the decision to increase the amount is made consciously, rather than blindly.
For more details on all the ways to earn on Bybit, read the article on how to make money on Bybit in 2026.
FAQ — Frequently Asked Questions About Bybit Earn
How often are earnings credited on Bybit Earn?
For flexible savings (Easy Earn) — daily at 12:30 UTC. Yield is calculated hourly and credited to the funding account once a day. For fixed deposits — at the end of the term. For on-chain staking — depends on the network, usually every few days. For Launchpool — upon completion of the campaign.
What is Easy Earn on Bybit?
Easy Earn is the updated name for the Bybit Earn section for beginners. It features the same products: Flexible Term and Fixed Term. If you see "USDT Easy Earn" in the interface, it simply refers to Flexible Term in USDT with daily accruals and withdrawals available at any time.
What is Auto Earn on Bybit?
Auto Earn is a toggle feature in Bybit Card and Bybit Pay. When enabled, the available balance in your funding account is automatically transferred to Flexible Term savings every day. You can withdraw funds at any time—there are no lock-in periods. You can disable it in the settings of your card or Bybit Pay.
Is verification required for Bybit Earn?
Yes, KYC Level 1 is required. Russian passports are accepted; the process takes 3–5 minutes plus the time required for automatic verification.
What is the minimum deposit for Bybit Earn?
Starting at 1 USDT for most products—that’s less than 100 rubles. For some staking pools, the minimum may vary; check the terms of the specific product.
How do I withdraw funds from Earn on Bybit?
It depends on the product. Flexible savings — click Redeem, and the funds arrive instantly. Fixed deposits — only at the end of the term, automatically. On-chain staking — after the unbonding period (from a few hours to several days, depending on the network). See the section above for more details.
How do I withdraw On-Chain Earn on Bybit?
Click Redeem on the product card. The unbonding period will begin—for ETH, this takes several days; for SOL, there is also a delay. No interest is accrued during this waiting period. Once unbonding is complete, the funds are automatically transferred to your funding account.
How does Bybit Earn differ from a bank deposit?
Three differences. Earn rates are higher, but they are variable and can change at any time. Returns are accrued in crypto, and its exchange rate against the ruble fluctuates—this adds currency risk. And there is no government insurance: at a bank, deposits up to 1.4 million rubles are insured by the ASV, but there is no such mechanism here.
What should a beginner choose—flexible savings or fixed-term deposits?
Start with flexible savings (Easy Earn). You can withdraw at any time, with no term restrictions. A fixed-term deposit makes sense once you’ve figured out how it works and know for sure that you won’t need the money in the coming month.
Where is it safer to store cryptocurrency—on an exchange or in a wallet?
Earn holds assets on the Bybit platform. If you want to keep some of your funds off the exchange, read about the options in the article on where to store cryptocurrency in 2026.
Can I use Earn on my phone?
Yes, the Bybit app is available on the App Store and Google Play. All Earn products, including depositing, withdrawing, and viewing earnings, work fully in the mobile version.
Conclusion
Bybit Earn is suitable for those who already own crypto that’s just sitting idle. Flexible USDT savings (also known as Easy Earn) are a smart entry point: straightforward mechanics, daily accruals, and withdrawals with no limits. Once you’ve got the hang of it, you can add staking for specific assets, occasionally participate in Launchpool, and, if you like, try Auto Earn so your available balance doesn’t sit idle. It’s a tool for those who want their crypto to work for them, not just sit there.
Keep in mind: funds in Earn are held on the platform, and there is no government insurance. Rates are variable and may change. Tokens from Launchpool often experience price adjustments after listing. All of this is a normal part of working with crypto tools—it’s just better to know this in advance.
Sign up on Bybit and get started: bybit.com
This material is for informational purposes only and does not constitute investment advice. Trading cryptocurrencies involves the risk of losing funds. Check current rates and product terms in your Bybit account.
