Crypto earn, explained · steady yield over hype
Read this page in full before you act. The risk in crypto assets is far larger than that APY number on the page makes it look.
The core sentence: everything on Yuanbao Academy is for educational reference only and does not constitute investment, financial, advisory, legal or tax advice of any kind. Whether to invest, what to invest in, and how much to put in are all your own decisions, and the risks and consequences are yours to bear.
The articles, calculator, tables, examples and any opinions on this site are all meant to help you understand how crypto earn and yield products work and where their risks are — they are educational, informational content. We do not recommend buying or selling any particular asset to anyone, nor do we provide personalized investment opinions. We don't know your financial situation, risk tolerance or goals, and so we have no basis to give you any advice.
The prices of crypto assets (including but not limited to BTC, ETH, various tokens and stablecoins) swing extremely sharply, with big gains and big drops common in short periods. Some assets can go to zero due to project failure, drained liquidity, regulatory action, technical exploits and other causes. Even stablecoins that claim to be pegged to the dollar have suffered serious de-pegs. Don't assume any asset 'can't fall much further.'
All of the yield products covered on this site — flexible savings, fixed-term savings, staking, Dual Investment, Launchpool and so on — are not principal-protected:
In extreme conditions, platform risk, smart-contract risk, liquidation risk and coin-price risk can all happen at once, leaving you with a partial or total loss of principal.
The exchanges we mention (Binance, OKX) are independent third parties with no affiliation to this site. Their respective services, rules, fees, availability, security and compliance status can all change at any time and are outside this site's control. The exchanges themselves can also face operational, technical, regulatory or attack-related risks. Custodying assets on any centralized platform means you take on that platform's counterparty risk. Always follow the latest rules on the exchange's official pages.
We try to keep content accurate and current, but crypto moves fast: product rules, APYs, fees and entry points can all change after we publish. This site does not guarantee that all information is still accurate, complete or up to date when you read it. For specific steps and numbers, always verify on the exchange's official pages. When we find an error, we correct it and log it in our corrections.
Different countries and regions have different laws on holding, trading and earning yield on crypto assets, and some places ban it entirely. Whether you can legally use the relevant services is for you to judge and is your responsibility. This site's content is not directed at any particular jurisdiction, and is not a solicitation to residents of any region where such activity is prohibited. In particular, US users face restrictions: Binance.US is a separate entity and some products covered here are not available in the US. Before you use anything, make sure your conduct complies with your local laws, regulations and tax requirements.
To the fullest extent permitted by law, Yuanbao Academy and its authors and editors accept no liability for any decision or action you take based on this site's content (or via third-party platforms reached through this site's links), or for any direct or indirect loss arising from it. By using this site, you understand and accept that all investment decisions are your own, and the risk is yours to bear.
If you're unsure about a decision, or it involves a sizable amount, consult a suitably qualified, licensed professional (such as a financial adviser, lawyer or tax specialist). Neither Bao Shu nor the Yuanbao Academy editorial team is a licensed investment adviser, and neither manages assets for anyone.
Last updated: 2026-06-07