How to earn DeFi rewards on USDC with OKX Earn

Publikováno dne 19. 2. 2026Doba čtení: 3 min

If you’re holding USDC, it doesn’t have to sit idle. With OKX Earn, you can put your USDC to work and earn around 6% variable APY through DeFi rewards. There’s no trading required and no complex wallet setup. Everything runs directly inside your OKX account. Here’s how it works and how to start earning in minutes.

How USDC DeFi Rewards works

When you deposit USDC into OKX Earn, your funds are allocated to on-chain DeFi protocols designed to generate yield. In return, you earn USDC rewards plus daily SPK bonus rewards from the Spark protocol.
The entire process is automated. You don’t need to manage smart contracts, move funds between wallets, or interact with DeFi tools yourself. OKX handles the infrastructure while you earn inside the app.
Deposits are processed once per day, and after processing your funds begin earning shortly. You can request redemption at any time, with processing typically taking up to 24 hours.

How to start earning

Getting started takes less than a minute:

Open the Earn section in your OKX app
Select the USDC DeFi Rewards offer
Enter the amount you want to deposit ($1 minimum)
Confirm your deposit

After your deposit batch is processed, your USDC begins generating rewards automatically.
While your USDC is earning, it’s temporarily locked and can’t be traded or withdrawn unless you redeem it. This ensures it stays allocated to generate yield.

Deposits and redemptions explained

Deposits are grouped into daily batches. Submissions before 09:00 (UTC+8) are processed the same day. Deposits after that time are processed the following day.
Redemption is flexible. You can request it anytime, and processing usually takes up to 24 hours. During redemption, earnings pause until your funds return to your portfolio.
This structure keeps the system efficient while still giving you predictable access to your capital.

Understanding APY, fees & risks

The APY is variable and may move up or down depending on market and protocol conditions. It’s an estimate of yearly earnings and does not compound automatically.
OKX charges a 5% service fee on USDC rewards, which is already reflected in the displayed APY. There are no additional costs.
DeFi Earn products involve smart contract and protocol risk. Returns are not guaranteed and losses are possible.

Start earning today

Open OKX Earn, deposit your USDC, and begin earning DeFi rewards with flexible redemption and daily payouts.
The sooner your USDC is deposited, the sooner it starts working.

Go to OKX Earn and start earning.