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Bybit Earn
Exchange yield hub with flexible savings, structured investments, and tokenized bond funds
3.4/ 5
Our score
Fair
Products
Savings / earnFixed-term depositsStakingDual investment
Proof of reserves
Yes
KYC required
Yes
What is Bybit Earn?
Bybit Earn is the centralized yield and structured wealth management portal of cryptocurrency exchange Bybit. It aggregates flexible-term savings, fixed deposits, staking, on-chain vaults, and structured investment options for major assets like Bitcoin and Ethereum.
Corporate background and leadership
The product suite is operated by Bybit, an exchange established in March 2018. Co-founder and Chief Executive Officer Ben Zhou has led the firm since inception, having previously served as China General Manager at brokerage XM from December 2010 to December 2017. Originally based in Singapore, Bybit relocated its global headquarters to Dubai, United Arab Emirates, in 2022 to operate under the regional regulatory framework for digital assets.
Product range and custody mechanics
The core catalog includes Easy Earn for steady yields, On-Chain Earn incorporating the Mantle Vault, and structured offerings such as Dual Asset, Discount Buy, and Smart Leverage. In June 2026, Bybit partnered with Plume and DigiFT to introduce RWA Earn, which distributes tokenized institutional bond funds managed by PIMCO and China Merchants Bank International. Products offer flexible or fixed-term options.
Security track record and major risks
Operating a centralized yield program carries inherent counterparty risk, as deposited funds are subject to exchange solvency and platform custody. On February 21, 2025, Bybit experienced a major security breach resulting in the theft of approximately 400,000 ETH, valued at roughly $1.4 billion at the time. Bybit restored customer reserves within 72 hours by securing 447,000 ether tokens through emergency funding arrangements. Users also face product-specific risks, such as product-specific risks in structured products like Dual Asset and liquidity risks during fixed-term lock periods.
Founders
Ben ZhouCo-founder & Chief Executive Officer
China General Manager at XM from December 2010 to December 2017.
Best for:Bybit exchange users holding idle balancesTraders using structured dual-asset productsInvestors seeking tokenized bond yields
Pros and cons
Pros
- Proof of reserves is available for the exchange
- Access to tokenized institutional bond funds from PIMCO and CMBI
- Flexible savings with unstaking available at any time
- On-chain vault access directly integrated with the Mantle network
Cons
- Suffered a $1.4 billion theft of 400,000 ETH on February 21, 2025
- Custodial structure exposes customer assets to exchange counterparty risk
- Structured products like Dual Asset have market-dependent outcomes
Our review
3.4/5
Fair
Bybit Earn delivers diverse yield strategies including real-world asset bond funds and flexible savings, but carries significant counterparty risk highlighted by a massive 2025 security breach.
Bybit Earn operates as Bybit's centralized yield product suite, combining savings, structured products, and tokenized real-world asset investments. Available options range from flexible and fixed-term deposits under Easy Earn to on-chain staking, dual-asset products, and tokenized institutional bond funds managed by PIMCO and China Merchants Bank International via DigiFT.
The suite includes several yield and lending products. Easy Earn includes stablecoins such as USDe and USDTB, while Mantle Vault's assets under management more than doubled in the first quarter of 2026. Smart Leverage, Double-Win, and Fixed Rate Loans are also available.
Bybit reported a security breach on February 21, 2025, involving approximately 400,000 ETH valued at roughly $1.4 billion. Bybit stated that it replenished its reserves within 72 hours through emergency funding. Advanced yield tools such as Dual Asset and Smart Leverage involve market-dependent outcomes.
Specs
| KYC required ⓘ | Yes · unverified |
|---|---|
| Products | Savings / earn, Fixed-term deposits, Staking, Dual investment |
| Proof of reserves | Yes |
| Flexible (withdraw any time) | Yes · unverified |
| Fixed terms | Yes · unverified |
Not disclosed by the provider: Highest advertised APY, Max loan-to-value, Loan APR from, Supported assets, Available in, Insurance, Licenses & registrations, Auto-compounding.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Easy Earn savings
Offers flexible and fixed-term yield products on assets including BTC, ETH, USDT, and USDe.
Mantle Vault on-chain yield
Directs capital into on-chain strategies across the Mantle ecosystem, where assets under management more than doubled in the first quarter of 2026.
Tokenized bond distribution
Distributes tokenized institutional bond funds from managers PIMCO and China Merchants Bank International via DigiFT and Plume.
Dual Asset structured options
Offers Dual Asset structured products.
Fixed rate crypto loans
Provides a fixed-rate crypto lending product.
Liquidity Mining pools
Offers a liquidity-mining product.
Inside Bybit Earn
Easy Earn
Provides yield products across cryptocurrencies and stablecoins with flexible or fixed-term durations.
On-Chain Earn
Routes deposits into on-chain staking and protocol yield opportunities.
Advanced Earn
Houses structured products such as Dual Asset, Discount Buy, and Smart Leverage for market-dependent returns.
RWA Earn
Offers eligible users access to tokenized institutional bond funds managed by PIMCO and China Merchants Bank International.
Fixed Rate Loan
Enables users to borrow crypto assets at pre-determined fixed interest rates against their existing portfolio.
Liquidity Mining
Lets depositors provide liquidity to automated market maker pools to capture trading fee rewards.
What users say about Bybit Earn
User sentiment is heavily split between surface-level praise for app updates and persistent complaints regarding account issues. Traders regularly face extended account freezes, prolonged compliance reviews, and unresponsive customer support when trying to access their funds.
In their own words
“The new homepage looks amazing! 🚀 Bybit keeps making crypto trading smoother, smarter, and more user-friendly”
“A cleaner layout makes the whole app easier to navigate”
“Bytbit has the worst customer support, terrible generic responses and restric accounts without reason [removed]”
“My Bybit Global account (UID [removed]) was permanently banned on 27 Aug 2026. A Due Diligence appeal (ID 01M1BN2C29S1JCSV7S72PXJFD5) has been "Ongoing" since 31 Aug. I submitted ALL requested documents on 31 Aug.”
“Sanctions are meant for hostile regimes, not ordinary individuals moving personal family savings. UID [removed] has been stuck in automated support loops for 3+ months. All proof of funds & personal clarifications provided. Stop the open-ended delays!”
“48 days, ~$213k frozen, all source-of-funds docs provided on day 5 - still "under review" with zero timeline [removed]”
Scam warning: Fraudulent imposter domains imitate the official platform to trick users and steal assets.
Based on 100 Reddit posts and comments, 100 X replies from the last 12 months, checked Oct 20, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Bybit Earn? Share your experience below.
FAQ
Who founded Bybit?
Bybit was co-founded in March 2018 by Chief Executive Officer Ben Zhou, who previously served as China General Manager at brokerage firm XM.
Has Bybit Earn suffered any security breaches?
On February 21, 2025, Bybit experienced a security breach where approximately 400,000 ETH was stolen. Bybit announced that it successfully replenished its reserves within 72 hours through emergency funding.
What investment products are available on Bybit Earn?
Products include Easy Earn flexible and fixed savings, On-Chain Earn, Mantle Vault, Dual Asset, liquidity mining, tokenized institutional bond funds via RWA Earn, and Fixed Rate Loans.
Where is Bybit based?
Bybit is headquartered in Dubai, United Arab Emirates, having relocated there from Singapore in 2022.
What is Bybit RWA Earn?
Launched in June 2026 in partnership with DigiFT and Plume, RWA Earn distributes tokenized institutional bond funds managed by PIMCO and China Merchants Bank International to eligible users.
Latest from Bybit Earn on X
New location. Same charts. 🫡 https://t.co/cRrZpiKxKk
📣 $KOR is coming soon to the #BybitSpot trading platform with @KorProtocol!
KOR Protocol is an onchain clearinghouse for creative assets. KOR gives each piece of work a verifiable record of who made it, what it is cleared for and how value should split, then routes it to buyers and settles payment automatically.
Stay tuned for more!
KOR Protocol is an onchain clearinghouse for creative assets. KOR gives each piece of work a verifiable record of who made it, what it is cleared for and how value should split, then routes it to buyers and settles payment automatically.
Stay tuned for more!
Trade your way to the top.
The world trades here.
Bybit WSOT 2026. https://t.co/x7RarsAdv5
The world trades here.
Bybit WSOT 2026. https://t.co/x7RarsAdv5
If you could only own 1 stock for the next 10 years, which one would it be?
Recent public posts from @Bybit_Official, shown as published. Not reviewed or endorsed by CryptoReview.
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