How to earn rewards with flexible savings on Usko
Subscribe idle crypto to a flexible savings product, understand what APR really means, and redeem when you want it back.
What you need first
- A verified account.
- A balance in a coin that Earn supports.
- An understanding that rewards are not guaranteed and the coin's price can still fall.
Flexible savings means your crypto earns a reward while it sits there, and you can take it back whenever you like. It is the gentlest of the earning products because nothing is locked.
Step 1 — Open the Earn section
Select Earn from the main menu. You will see the available products as cards. Each card shows the coin, the current rate, any minimum amount and the terms.
Step 2 — Read the card properly
The numbers on the card are the live values for that product — always read them there rather than trusting a figure quoted anywhere else, including in this guide. Note in particular whether the product is flexible (redeem any time) or fixed (locked for a set period).
Step 3 — Understand APR before you subscribe
APR is the annual percentage rate — the reward expressed as if you left the money in for a whole year. Leave it in for a month and you earn roughly a twelfth of that. Two things to keep in mind:
- APR is a current rate, not a promise. It can move up or down while you are subscribed.
- APR says nothing about price. Earning a reward on a coin whose price drops can still leave you worse off overall.
Step 4 — Subscribe
- Select Subscribe on the product you chose.
- Enter the amount. It must be at or above the minimum shown.
- Review the summary and confirm.
The amount moves out of your spendable balance and into the position.
Step 5 — Watch it accrue
Open My positions in the Earn section. Each position shows the amount subscribed, the rewards accrued so far and the current rate. Rewards typically accrue in small daily pieces, so give it a day before you expect to see anything.
Step 6 — Redeem when you want it back
Select the position and choose Redeem. With a flexible product the funds return to your spendable balance along with the rewards earned. With a fixed product, check the card first — redeeming early may forfeit some rewards, and the terms say so plainly.
Watch it in the Usko app: browsing Earn products, opening a position, and the SIP and Sets screens.
Risk warning. Earning products are not savings accounts and are not insured. Rates can change, and the value of the coin you hold can fall by more than any reward you earn. Only subscribe funds you can leave alone.