Question 1

What is the Flexi Earn feature?

Accepted Answer

Flexi Earn is an investment tool that helps you earn daily yields on your cryptocurrency holdings with interest rates based on the Annual Percentage Rate (APR).

We offer various crypto coins such as USDT and USDC with 9% APR, and other cryptocurrencies with up to 30% APR. You can deposit any amount and withdraw anytime, all while earning interest (yield) daily.

Question 2

Can I add and withdraw my investment anytime?

Accepted Answer

Yes, Flexi Earn offers complete flexibility.

You can add more funds to your current Flexi Earn investment to boost your yield or withdraw anytime without lock period or penalties, this gives you full control over your funds and investments.

Question 3

What assets can I use with Flexi Earn?

Accepted Answer

Flexi Earn supports a variety of cryptocurrencies, including popular ones like Bitcoin (BTC), Ethereum (ETH), stablecoins such as USDT and USDC, and other major coins. |
We are continuously expanding our list, and you can even request your preferred coin through Mobee Customer Support for potential future addition.

To view the full list of supported cryptocurrencies, check the Mobee app for more details.

Question 4

Where does the yield in Flexi Earn come from?

Accepted Answer

Flexi Earn generates yield using secure, low-risk strategies that protect your initial deposit while providing sustainable returns.

These include staking assets, lending on decentralized finance (DeFi) platforms, earning interest from short-term U.S. Treasury bills, and utilizing delta-neutral trading strategies. We handle the complexities for you, making sure your funds remain safe while you earn consistent yields everyday.

Question 5

How to use Flexi Earn in the Mobee app?

Accepted Answer

Follow these steps to use Flexi Earn feature in the Mobee app:

1. Make sure your account is already registered and verified.
2. On the Mobee Home, click menu **Earn > Flexi Earn**.
3. Choose the crypto asset that you prefer.
4. Enter the amount that you want to invest, please make sure you have the required minimum balance in your asset. 
5. You will be directed to a new page to view the estimation growth of your asset. Check the Flexi Earn agreement box and click the "**Confirm**" button.
6. You have successfully invested in Flexi Earn! Track your investment and watch the yield grow each day.

Question 6

How is my yield calculated and distributed?

Accepted Answer

Currently, there are two types of yield calculations depending on the coin or stablecoin you invest in:

**1. Tiered System**: The amount you deposit determines the **Annual Percentage Rate (APR)** you receive.

**Tier 1**: For deposits up to **500 USDC**, you will earn **6% APR**. For example, a deposit of **500 USDC** will give you **30 USDC in a year**.

**Tier 2**: For deposits above **500 USDC**, the amount beyond **500 USDC** will earn **3% APR**. So, if you deposit **1,500 USDC**:
  - The first **500 USDC** will earn **6% APR**.
  - The remaining **1,000 USDC** will earn **3% APR**.
  - To calculate the combined APR for a total deposit of **1,500 USDC**:
    - APR = ((500 x 6) + (1,000 x 3)) / 1,500
    - APR = (3,000 + 3,000) / 1,500
    - APR = **4%**
    
Therefore, the total yield for the year from a deposit of **1,500 USDC** is **4%**, which is **60 USDC**.

**2. Non-Tiered System**: Some coins have a fixed APR, no matter how much you deposit.
   - For example, **SOL** has an APR of **9%**, so whether you deposit a small or large amount, you will earn **9% APR** on your investment in a year.

Your yield is accumulated daily and distributed at **06.00 WIB** each day. However, if you withdraw your funds **before 14 days**, you will not receive 100% of the yield. Instead, the yield will be **prorated**, this means you will only receive a portion based on how long your funds were invested.

To get **100% of your yield**, it is recommended to keep your funds in Mobee for at least **14 days**. After that, you can withdraw both your initial investment and the full yield without any deductions.

Please note that in the future, some coins that currently use the **non-tiered system** may switch to a **tiered system**, or vice versa. Stay tuned for updates on how yield calculations may evolve for different coins.

Flexi Earn

Frequently Asked Questions