LBank Spot Earning is a flexible “deposit-and-earn” current savings product. Your assets remain fully liquid for trading or withdrawal at any time with zero lock-up pressure. New users enjoy a subsidized 10% annualized yield in the first month, courtesy of LBank!

Here is the most detailed step-by-step guide to get started quickly and let your assets grow effortlessly.

How-to Steps

Step 1: Access LBank Spot Earn

Log in to your LBank account (new users must first complete registration and KYC Verification);
After logging in, navigate to the top menu and tap「Earn > Spot Earn」.

Step 2: Browse Available Products

You will see a list of supported assets, displaying key information such as:「Assets」,「APY(Compound)」,「10K Share/Day」,「Realized P&L」and「Participated」, compare options before makeing decisions.
Once confirmed, tap「Hold to Earn」on your chosen asset.

Step 3: Review Agreement and Subscribe

In the pop-up window, carefully review「Product Details」.
If your spot account balance is insufficient, the system will prompt「Insufficient Balance」. Tap 「+」to top up or transfer funds:

With crypto assets: Choose「LBank Crypto Deposit Guide」or「Internal Transfer」;
Without crypto: Choose「LBank One-Click Buy(Web)」or「LBank P2P(Web)」.

Review and agree on「LBank Earn Service Agreement」;
Tap「Hold to Earn」→ The corresponding assets will be deducted instantly, and subscription is successful!
After subscription, your assets remain in your spot account and can be traded or withdrawn normally. Interest starts accruing from the next day (T+1).

Step 4: Check「My Earnings」Anytime

Return to「Spot Earnings」and tap「My Earnings」;

In「Revenue Record」, you can view at a glance:

Cumulative Earnings
Spot Earn Accumulated Earnings
Fixed Earn Accumulated Earnings

Select「Spot Earn」and filter by「All cryptos」or「Time Range」to see detailed records, including「Pair」,「Time」,「Principal」,「Interest Rate」, and「P&L」.

Daily earnings from the previous day are automatically credited to your spot account before 18:00 (UTC+8) — no manual claim required.
To exit, simply trade or withdraw your assets anytime. The system will automatically settle the remaining portion based on daily snapshots.

Important Note

First-month 10% annualized yield is subsidized by LBank. From the second month onward, yields are based on actual arbitrage returns from professional quantitative institutions.
0 management fees, 0 subscription/redemption fees — 100% of earnings belong to you.
Full flexibility: assets remain instantly accessible, far superior to locked fixed-term products.