Flexible vs Locked decision helper

The YieldStub desk · Runs in your browser, nothing sent or saved · Updated July 2026

Flexible lets you withdraw anytime with a rate that floats; Locked ties the money up for a set period at a rate that's more or less fixed, but redeeming early forfeits the interest. Which one fits depends on what you plan to do with the money. Answer three questions to see which way you lean.

1. How soon might you need this money?

2. Can you accept not being able to withdraw for that time (or losing interest if you pull out early)?

3. What do you want more?

Leaning

—

Note

This only clears up the trade-offs; it isn't telling you to put money in at all. Neither one is principal-protected, and the actual rates and redemption rules are whatever Binance's page says. More in how to choose Flexible vs Locked.