Locked Savings is a higher-yield product on the Binance Earn platform that generates more generous returns by locking your assets for a period. Choosing the right term and coin is key to maximizing your returns. Register on Binance to explore financial products, and download the Binance APP to browse the latest Locked Savings offerings in the Earn section.
Basic Characteristics of Locked Savings
Binance Locked Savings requires users to lock cryptocurrency for a fixed period — such as 7, 14, 30, 60, 90, or 120 days. During the lockup, early redemption is generally not available (some products allow it but forfeit all interest). As compensation, Locked Savings annualized yields are significantly higher than Flexible Savings. The yield is locked in at subscription time and remains unchanged throughout the term. Principal and interest are automatically returned to your spot wallet upon maturity. Products are typically issued with fixed quotas — once sold out, you need to wait for the next round. Popular products often sell out within minutes, so preparation is essential.
How to Choose the Right Lockup Period?
Choosing a term requires balancing yield and liquidity needs. Short-term 7-day products have lower yields but faster capital turnover, suitable for users with high liquidity demands. 30-day products offer moderate yields and are the most popular choice. Long-term 60-120 day products have the highest yields, suitable for confirmed idle funds. Market conditions matter too: if you expect significant volatility soon, choose shorter terms to maintain flexibility. During calm markets, opt for longer terms to lock in higher rates. You can use a "ladder" strategy — divide funds into portions deposited across different terms to balance yield and liquidity.
Which Coins Should You Choose?
USDT Locked Savings is the most stable — no coin price fluctuation risk, pure interest income. Annualized yields are typically 5%-15%, making it the top choice for conservative investors. BTC and ETH Locked Savings suit investors who are long-term bullish on these coins, earning extra interest during the holding period. BNB Locked Savings often offers higher yields, plus BNB has multiple uses within the Binance ecosystem. Newly listed popular coins' Locked Savings may provide exceptionally high annualized rates as promotional offers. When choosing coins, consider two factors: your judgment on the coin's price trend, and whether the savings yield can offset potential price decline risk.
Subscription Tips for Locked Savings
Popular Locked Savings products have limited quotas, so these tips can improve your success rate. First, follow Binance announcements and APP notifications for new product launch times. Prepare funds in the corresponding wallet in advance to avoid wasting time on last-minute transfers. Subscribe immediately when products go live — speed matters. Larger subscriptions may receive larger allocations, but watch for individual caps. If your target product is sold out, check for similar alternatives. Some products support auto-renewal, automatically subscribing to the next round upon maturity, saving you manual effort.
Risk Disclosure for Locked Savings
Key risks of Locked Savings include: inability to access assets during lockup — if major market changes occur, you can't respond in time. Non-stablecoin Locked Savings face coin price decline risk where yields may not compensate for price losses. Early redemption forfeits all interest. Some high-yield products may be limited promotional events without ongoing availability. We recommend not putting all funds into Locked Savings — keep a reserve of liquid funds. Diversify across different coins and terms to reduce risk. Carefully read product rules to understand early redemption conditions and how returns are distributed.