APRLOG / Tools / Risk and liquidity reference table
Risk and liquidity reference table
Data verified 2026-08-23; prices at the 2026-08-22 daily close. This is a hand-checked local snapshot, not a live feed — the page does not move with the market. Binance's own pages and announcements govern.
What this page is: the lock-up, exit cost, reward asset and risk layer of the common earn products, side by side. The last column describes situations they fit, not recommendations — which one suits you follows from your own cash-flow needs, not from which rate is highest.
| Product type | Lock-up | Cost of early exit | Reward asset | Main risk layer | Fits when |
|---|---|---|---|---|---|
| Flexible savings | Not locked | Redeem any time, usually fast | Same asset or stablecoin | Platform | Idle cash; keeping liquidity; satisfying campaign eligibility |
| Fixed term | Locked to maturity | Per terms: interest zeroed / recomputed at flexible / no exit | Usually the same asset | Platform | Money you are confident you will not touch |
| Dual investment | Locked to settlement | Usually no early exit | May settle in a different asset | Market + platform | You already intended to buy or sell at that level |
| Staking (via exchange) | Unbonding period | Queued; duration set by the protocol | Usually the same asset | Protocol + platform | Long-term holding, with no need to exit for weeks |
| Liquid staking token | Receipt is tradable | Sellable, possibly at a discount | Same asset or the receipt | Protocol + contract + market | Wanting some liquidity while staked |
| High-APR campaign products | Varies | Varies; often capped and time-limited | Often the project's own token | Market + project + platform | As a speculative position, sized to be fully losable |
A general summary; actual terms vary by product and the rules on your subscription page govern. Verified 2026-08-23.
Reading the risk-layer column
| Layer | What it refers to | How it shows up |
|---|---|---|
| Platform | Assets on the platform's books; its solvency and operations | Delayed redemption under stress; a region losing service |
| Market | Price movement changes your outcome directly | Converted into a falling asset; a reward token losing value |
| Protocol | Blockchain rules and network state | Exit queue congestion; validator penalties |
| Contract | Smart contract implementation and governance | Receipt tokens at a discount; contract risk |
| Project | The behaviour of one specific project | Subsidy withdrawn; token liquidity drying up |
Five categories. The same headline rate can sit on quite different combinations of these, which is the main reason this table exists.
The one thing this table is for
Similar APR does not mean similar risk. Several pairs in the table can quote rates in the same range while their exit costs and risk layers have nothing in common.
The right order is: first decide whether you accept the lock-up and exit terms, then whether you accept the risk layers, and only then look at the rate. Reversing that order is where most bad outcomes begin.
The products are taken apart individually in what each earn product costs; if you want the process mechanised, which earn product fits this money turns it into buttons.