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Simple Earn Flexible lets you earn hourly returns by lending to Flexible Loan and margin trading users.

For the use of Simple Earn Flexible, we charge 15% of your return. Your hourly return is calculated as such: Hourly return = Lent amount × APR / 365 / 24 × 85%

Returns are only available for funds that have been lent out. If your funds have been lent out, your order status should show “Earning.”

On the rare occasion that a crypto pool has been fully lent out, redemption of the affected crypto may be restricted. These restrictions may include a temporary limit or suspension of redemption, and they’ll be reviewed every hour.

Lending APR is the annual percentage rate at which your lending order will earn interest when the matching borrowing order is funded. It's determined by OKX for VIP Loan users and takes into account various market factors.

The term of your lending order starts when the matching borrowing order is funded, which is when you start earning interest. While your order is pending, you won’t earn any interest. While pending, if the unmatched portion of a borrowing order is canceled or if the market APR changes drastically, the portion of the borrowing order which has already been matched will be considered funded and the term will begin.

No, early redemption is only possible when the status of your lending order is still "Pending". Once the term of your lending order has begun and the status has changed to "Earning", you won’t be able to redeem until the end of the term.