OKX 簡單賺幣活期利率：USDT、USDC、BTC 年化即時一覽
OKX 簡單賺幣（活期）目前 USDT 年化 2.88%、USDC 3.49%。這是 OKX 公開的活期出借利率，每小時變動。OKX 會從活期收益中收取 15% 費用，實際到手以 OKX 賺幣頁為準；不含新用戶加息或活動獎勵。
利率時間：2026-10-10 16:00（UTC+8） · 來源：OKX 官方 API
常用幣種
| 幣種 | 目前年化 | 24 小時平均 | 7 天平均 |
|---|---|---|---|
| USDT | 2.88% | 2.87% | 3.01% |
| USDC | 3.49% | 3.46% | 2.84% |
| BTC | <0.01% | — | — |
| ETH | 0.53% | — | — |
| SOL | 3.10% | — | — |
| OKB | <0.01% | — | — |
| TRX | 4.76% | — | — |
| XRP | 0.48% | — | — |
「—」表示本站累積的每小時紀錄還不夠算出這段平均。
全部 172 個幣種
按幣種字母排列。小幣種的利率會因短時間的借款需求暴漲到 100% 以上，只看一個小時的數字容易誤判，要參考 24 小時與 7 天平均。
| 幣種 | 目前年化 | 24 小時平均 | 7 天平均 |
|---|---|---|---|
| 1INCH | 4.16% | — | — |
| 2Z | 10.63% | — | — |
| A | 0.97% | — | — |
| AAVE | 0.11% | — | — |
| ACH | 0.90% | — | — |
| ACT | 3.74% | — | — |
| ADA | 0.27% | — | — |
| AGLD | 3.52% | — | — |
| ALGO | 5.50% | — | — |
| ANIME | 5.78% | — | — |
| APE | 2.05% | — | — |
| API3 | 203.00% | — | — |
| APT | 1.66% | — | — |
| AR | 0.13% | — | — |
| ARB | 5.47% | — | — |
| ARKM | 0.47% | — | — |
| ASTER | 0.06% | — | — |
| ATH | 0.31% | — | — |
| ATOM | 3.39% | — | — |
| AUCTION | 0.41% | — | — |
| AVAX | 1.73% | — | — |
| AVNT | 0.40% | — | — |
| AXS | 2.75% | — | — |
| BABY | 5.36% | — | — |
| BARD | 15.30% | — | — |
| BAT | 9.06% | — | — |
| BCH | 0.24% | — | — |
| BERA | 4.56% | — | — |
| BETH | 365.00% | — | — |
| BIGTIME | 15.22% | — | — |
| BIO | 2.13% | — | — |
| BLUR | 2.60% | — | — |
| BNB | 0.26% | — | — |
| BOME | 1.24% | — | — |
| BONK | 2.58% | — | — |
| BREV | 3.14% | — | — |
| BTC | <0.01% | — | — |
| CELO | 3.41% | — | — |
| CFX | 0.34% | — | — |
| CHZ | 1.17% | — | — |
| COMP | 0.39% | — | — |
| CORE | 0.19% | — | — |
| CRO | 0.84% | — | — |
| CRV | 0.78% | — | — |
| CVX | 2.56% | — | — |
| DASH | 3.52% | — | — |
| DOGE | 0.05% | — | — |
| DOT | 0.43% | — | — |
| DYDX | 1.21% | — | — |
| EGLD | 10.62% | — | — |
| EIGEN | 1.11% | — | — |
| ENA | 0.08% | — | — |
| ENJ | 4.02% | — | — |
| ENS | 0.19% | — | — |
| ETC | 0.15% | — | — |
| ETH | 0.53% | — | — |
| ETHFI | 3.61% | — | — |
| ETHW | 0.95% | — | — |
| FIL | 0.08% | — | — |
| FLOKI | 0.11% | — | — |
| FLOW | 2.77% | — | — |
| FOGO | 2.67% | — | — |
| GALA | 8.89% | — | — |
| GAS | 1.50% | — | — |
| GMT | 197.62% | — | — |
| GMX | 0.42% | — | — |
| GRAM | 3.71% | — | — |
| GRT | 2.07% | — | — |
| HBAR | 0.23% | — | — |
| HUMA | 1.24% | — | — |
| HYPE | 0.16% | — | — |
| ICP | 0.11% | — | — |
| IMX | 1.85% | — | — |
| INJ | 1.93% | — | — |
| IOTA | 2.33% | — | — |
| JTO | 5.12% | — | — |
| JUP | 2.57% | — | — |
| KAITO | 5.57% | — | — |
| KMNO | 8.64% | — | — |
| KSM | 2.45% | — | — |
| LAYER | 4.08% | — | — |
| LDO | 0.26% | — | — |
| LINEA | 0.50% | — | — |
| LINK | 0.08% | — | — |
| LIT | 1.18% | — | — |
| LPT | 202.00% | — | — |
| LQTY | 6.61% | — | — |
| LRC | 3.06% | — | — |
| LTC | 0.10% | — | — |
| LUNA | 0.93% | — | — |
| MAGIC | 230.00% | — | — |
| MANA | 12.19% | — | — |
| MASK | 0.63% | — | — |
| ME | 1.52% | — | — |
| MERL | 0.98% | — | — |
| MET | 28.77% | — | — |
| MEW | 2.55% | — | — |
| MINA | 201.00% | — | — |
| MON | 5.16% | — | — |
| MOODENG | 2.05% | — | — |
| MORPHO | 0.28% | — | — |
| MOVE | 8.15% | — | — |
| NEAR | 0.31% | — | — |
| NEIRO | 0.38% | — | — |
| NEO | 1.67% | — | — |
| NIGHT | 0.45% | — | — |
| NOT | 2.91% | — | — |
| OKB | <0.01% | — | — |
| ONDO | 0.06% | — | — |
| ONT | 10.95% | — | — |
| OP | 0.50% | — | — |
| ORDI | 0.30% | — | — |
| PAXG | 0.04% | — | — |
| PENGU | 2.16% | — | — |
| PEOPLE | 0.30% | — | — |
| PEPE | 0.18% | — | — |
| PI | 0.05% | — | — |
| PNUT | 2.30% | — | — |
| POL | 0.51% | — | — |
| PUMP | 1.38% | — | — |
| PYTH | 0.58% | — | — |
| QTUM | 0.40% | — | — |
| RAY | 6.71% | — | — |
| RE | 0.37% | — | — |
| RENDER | 1.35% | — | — |
| RSR | 6.55% | — | — |
| S | 2.37% | — | — |
| SAND | 158.28% | — | — |
| SATS | 0.22% | — | — |
| SEI | 0.79% | — | — |
| SHIB | 0.04% | — | — |
| SKY | 0.32% | — | — |
| SNX | 4.27% | — | — |
| SOL | 3.10% | — | — |
| SPK | 1.16% | — | — |
| SSV | 0.61% | — | — |
| STRK | 6.65% | — | — |
| STX | 2.91% | — | — |
| SUI | 0.32% | — | — |
| SUSHI | 0.35% | — | — |
| TAO | 0.40% | — | — |
| THETA | 3.01% | — | — |
| TIA | 2.68% | — | — |
| TRB | 1.85% | — | — |
| TRUMP | 3.73% | — | — |
| TRX | 4.76% | — | — |
| TURBO | 0.02% | — | — |
| UMA | 201.00% | — | — |
| UNI | 0.04% | — | — |
| USDC | 3.49% | 3.46% | 2.84% |
| USDT | 2.88% | 2.87% | 3.01% |
| VIRTUAL | 1.43% | — | — |
| W | 3.50% | — | — |
| WCT | 3.24% | — | — |
| WIF | 7.08% | — | — |
| WLD | 0.29% | — | — |
| WLFI | 0.50% | — | — |
| XAUT | 0.26% | — | — |
| XLM | 0.22% | — | — |
| XPL | 4.45% | — | — |
| XRP | 0.48% | — | — |
| XTZ | 9.12% | — | — |
| YFI | 1.05% | — | — |
| YGG | 2.18% | — | — |
| ZEC | 0.16% | — | — |
| ZEN | 0.62% | — | — |
| ZETA | 3.61% | — | — |
| ZIL | 24.07% | — | — |
| ZK | 1.78% | — | — |
| ZORA | 8.80% | — | — |
| ZRO | 0.89% | — | — |
| ZRX | 1.43% | — | — |
這個利率是怎麼來的
OKX 簡單賺幣的活期資金會出借給槓桿交易的借款人，利率由借貸需求決定，每小時變動。OKX 透過公開 API 同時發布借款人支付的借款利率和存款人拿到的出借利率；本頁只顯示出借利率，因為那才是存進簡單賺幣能拿到的部分，借款利率通常更高。依 OKX 簡單賺幣頁說明，每小時收益＝金額 × 當前年化 ÷ 365 ÷ 24 × 85%，也就是收益會被收取 15% 費用。
申購、贖回規則與實際到帳收益，以 OKX 簡單賺幣頁面顯示為準。 OKX 簡單賺幣
常見問題
為什麼和 OKX App 上看到的年化不一樣？
OKX 簡單賺幣頁顯示的年化可能包含限額內的獎勵年化：2026 年 10 月查閱時，USDT 新用戶 180 天內享 10% 獎勵年化，個人限額 500 USDT。本頁顯示的是 OKX 透過公開 API 發布的活期出借利率，不含這些獎勵。
存 1,000 USDT 一天大約能拿多少？
保守估算：1,000 × 2.88% × 85% ÷ 365 ≈ 0.067 USDT。OKX 說明活期收益要扣 15% 費用，但沒說明公開利率是否已扣除，所以這裡用扣除後的較低數字；利率每小時變動，這只是假設利率不變的估算。
利率多久變一次？
OKX 每小時發布一次活期出借利率，本站每小時記錄一次，並用記錄算出 24 小時和 7 天平均。
為什麼有些小幣種的年化特別高？
活期利率由借貸需求決定，小幣種的借款需求變化大，利率也跳得快。高年化不代表穩定，幣價本身的漲跌往往比利息影響更大。
活期隨時都能贖回嗎？
OKX 說明在極少數情況下，某個幣種的資金全部借出時，贖回可能受限，例如臨時限額或暫停贖回，並每小時複核一次。