How to Maximize Returns in a Bear Market? All-in-One Guide on MEXC Earn

In a bear market, balancing yield on idle capital and flexible liquidity becomes increasingly difficult, making capital management far more complex. Firstly, returns decline as market activity slows, reducing yield across mainstream financial products. At the same time, liquidity constraints become more pronounced. In an effort to boost returns, many traders allocate funds to staking, lock-up, and similar products. As a result, when urgent funding needs or market volatility arise, those capital cannot be mobilized quickly, leaving users in a dilemma.

The biggest challenge, therefore, is achieving effective capital utilization and stable value growth while preserving fund security. Ideally, traders want both meaningful returns on idle funds and sufficient liquidity to seize market opportunities at any time.

As the industry often notes: Idle capital is wasted capital. A bear market therefore becomes an important period for strategic capital preservation and controlled growth. In response, MEXC promotes the "MEXCmize your gains"philosophy, centered on an integrated "Deposit – Earn – Borrow" framework and a portfolio of high-yield, flexible liquidity financial products to maximize users' asset utilization in a bear market.

I. Cross-Comparison of Yields on Mainstream Platforms

In response to these constraints, major exchanges have introduced a range of financial products to address user demand for both yield and liquidity. The table below compares the flexible & fixed-term APR ranges across major platforms, including MEXC, Binance, OKX, Bybit, Bitget, and Gate.io.

As shown in the table, most platforms offer comparable product coverage across flexible, fixed-term, and structured or on-chain earn categories. However, flexible stablecoin APRs on most exchanges typically fall within the 1%–10%, while 7-day fixed-terms generally cluster between 1% and 5%.

By comparison, MEXC demonstrates a higher overall yield range and a better all-in-one experience for new users:

• Regular flexible stablecoin APR of up to 20%

• Up to 20% APR for 7-day fixed-term products for major coins

• Ultra-high short-term APR campaigns for new users (e.g., 600% APR for 2 days)

Together, these factors produce a much wider and more competitive yield range relative to peer platforms.

II. MEXC's Differentiated Product Path: Integrated "Deposit – Earn – Borrow" System

MEXC stands out in bear-market earnings by building a differentiated product path that delivers an all-in-one "Deposit – Earn – Borrow" asset growth experience for different types of users. Its key advantages are built on the following pillars:

• Flexible Savings: Similar to a demand savings account, funds can be redeemed anytime, allowing users to respond quickly to market opportunities.. With an industry-leading 2%–20% APR across multiple coins, it offers high liquidity and low entry barriers, making it well suited for users who prioritize capital flexibility.

• Fixed Savings: Funds are locked for a fixed period in exchange for higher rates—assets are frozen during the period, with principal and interest paid at maturity. In addition to double-digit APRs, it also offers new-user exclusives such as 600% APR for 2 days on USDT and 400% APR for 3 days on selected tokens.

• Spot Hold and Earn Users simply need to hold designated tokens (e.g., USDE, USDD, MXSOL), and the system automatically participates in staking to generate interest. No active fund transfers or lock-ups are required. Users can trade or withdraw at any time while holding, seamlessly combining trading and earning. Currently, USDE yields ~3.5% and USDD reaches 8%, outperforming the ~4% yield of U.S. Treasuries. For long-term holders who prefer simplicity, this is a true "set-and-forget" way to grow assets.

• Futures Earn: This feature innovatively integrates futures trading with wealth management. Once enabled, eligible funds in users' futures accounts are automatically allocated to exclusive earning products, generating steady daily returns of up to 20% without affecting normal trading. It currently supports USDT, USDC and USDE. For active traders, idle margin earns passive income and greatly improves capital efficiency.

• MEXC Loans (0% Interest): From January to February 2026, MEXC launched the 0% Interest MEXC Loans event. Users can borrow USDT or USDC against BTC, ETH, SOL or XRP collateral with 0% interest during the promotional period. This allows users to access liquidity for trading without selling their holdings or incurring borrowing costs.

Through these differentiated offerings, MEXC delivers on its "MEXCmize your gains" (all‑in‑one maximum returns) philosophy. Whether users seek steady interest, high-yield opportunities, or low-cost capital turnover, MEXC provides a range of product combinations to match their needs. This integrated structure enables users to fully utilize capital even in a bear market, keeping assets active and returns flowing.

III. User Scenario Analysis: How to "MEXCmize" Returns

MEXC's comprehensive product suite serves diverse investor profiles. Below are typical user scenarios and how they can design personalized earning strategies.

• Futures Traders: High-frequency traders often maintain large margin balances in their futures accounts to handle market volatility and margin calls. On traditional platforms, this substantial capital typically sits idle with no returns. On MEXC, however, activating Futures Earn allows futures positions to generate daily interest. Even a base 3.5% APR can generate significant extra income on large holdings, while substantial long-term holdings can earn up to 20% APR, partially offsetting funding fees or opportunity costs.

• Spot HOLDers: Spot Hold & Earn is an ideal solution for long‑term holders. Simply hold tokens in your spot account, and they will automatically be staked to earn interest with principal protection. With no complicated DeFi steps required, users can enjoy staking‑like rewards with ease. For example, USDE holders currently earn around 3.5% APR passively without risking their principal, while remaining free to sell or withdraw anytime. This hassle‑free "passive income" model lowers barriers for investors who prefer simplicity and stable returns, generating steady cash flow for long‑term holdings even in a bear market.

• Swing Traders: Swing traders do not stay fully invested at all times; they mostly use a phased entry and exit strategy. When market conditions are unclear or trending downward, traders often stay in cash or keep only a small core position, keeping most capital on the sidelines for the next opportunity. Leaving funds completely idle in the account is inefficient. For swing traders, MEXC's Flexible Savings and Flexible Loans serve as excellent tools during waiting periods. Users can keep funds in their spot account with flexible earnings enabled — even around 10% APR is far better than idle capital. Once a new swing opportunity emerges, they can enter trades immediately with seamless liquidity. In addition, if swing traders want to seize short-term breakout moves but lack available capital, they can use the MEXC Loans feature to quickly borrow stablecoins at 0% interest during the promotional period. With proper execution, they can close positions and repay the loan after the market rises, with minimal borrowing cost impact.

• Arbitrage & High-Frequency Capital Rotators: Professional arbitrage traders closely monitor price differences, funding rate gaps, and low-risk or risk-free spread opportunities across platforms. They often need to move capital quickly between exchanges or between spot and perpetual markets. For these traders, capital efficiency and borrowing costs directly determine arbitrage profits. MEXC's integrated solution provides great convenience: when arbitrage opportunities appear, users can quickly borrow USDT and other assets by collateralizing their holdings, with 0% interest during promotional periods. In short, for users pursuing high capital turnover, MEXC's model reduces friction costs and helps capture every opportunity in the range-bound bear-market conditions.

In summary, users can flexibly combine MEXC products based on risk appetite and holding strategies: Hold & Earn + Fixed-Term High-Yield Products + Collateralized Loans to boost returns, lower costs, and truly maximize capital utility.

IV. Important Reminders: Stay Rational When Pursuing Returns

Even top financial products have limitations. Users should remain rational and understand related constraints:

• Sustainability of High Yields: As mentioned above, many high yield opportunities come with time-limited promotions or quota restrictions. For example, MEXC's 0% interest loans are only available during promotional periods, and tiered high yields on platforms like Binance often apply to only smaller allocations or new users. Rates typically return to normal once campaigns end or quotas are reached. Users should therefore avoid treating short-term promotions as long-term strategies and should closely monitor official announcements to adjust their plans accordingly. Under normal market conditions, platform flexible and fixed-term APRs are dynamically adjusted to reasonable levels and cannot remain extremely high indefinitely. When the overall market interest rates decline, earnings will naturally follow.

• Liquidity & Lock-Up Risk: While MEXC offers highly flexible earning options, fixed-term products still come with lock-up periods during which funds cannot be accessed. Users must therefore assess their liquidity needs before committing to fixed-term products and avoid locking up funds that may be needed urgently. A common strategy is to use staggered maturities — allocating funds to 3-day, 7-day, and 30-day terms — to maintain reasonable liquidity while enjoying higher interest rates.

• Thresholds & Risks of Futures Earn: Earning interest on futures holdings is attractive, but the highest-tier rates of 20% APR may require positions of at least 100,000 USDT. This presents a high threshold for the average investor, and large positions also carry significant market exposure. Increasing position size solely to earn higher yield may create unnecessary risk. Users should only use this feature within their means and treat the interest as an extra bonus rather than a core goal.

Overall, exchange-based financial products do not guarantee risk-free returns. Investors should remain cautious when choosing products, understand the rules clearly, assess their own risk tolerance, and only then commit funds.

V. Conclusion: MEXCmize your gains – From "Chasing Market" to "Managing Returns"

In bear markets, investment priorities often shift from "chasing market moves" back to "managing sustainable returns".

MEXC provides an integrated toolkit of flexible and fixed-term earning together with liquidity tools, allowing users to maintain capital productivity during a bear market and position themselves for the next bull run.The "MEXCmize your gains" philosophy is designed to help users maximize asset efficiency through diversified, flexible earning strategies in a down market. Ultimately, surviving a bear market requires a shift in mindset: from speculative trading to disciplined return management.

Only with a steady mindset and diversified strategies can one keep idle capital working and maintain consistent growth over time.