Overview of Opt-In Rewards on Kraken

Opt-In Rewards gives you the option to earn rewards on available and idle account balances you otherwise maintain in your Kraken trading account.

No. While similar in design on our client interface, Staking and Opt-In Rewards are separate products. Staking utilizes assets “on-chain” in Proof-of-Stake protocol such as Tezos. Opt-In Rewards utilizes assets as further described in our Terms of Service.

If you allocate your assets to a bonded term Opt-In Rewards product, your assets will be subject to a wait time after you deallocate them before you can use them for other purposes.

Additionally, rewards will continue to accrue during the unbonding period following deallocation, after which the full balance will be accessible in your wallet.

Note: That the Bonded product is only available in Kraken Pro.

In contrast to Bonded Opt-In Rewards, Flexible Opt-In Rewards products permit the user to have almost immediate access to their tokens when they decide to deallocate.

Auto Earn Program

Clients can also enroll in the Auto Earn Opt-in Rewards program as an additional feature under Flexible Opt-in Rewards. Auto Earn enables you to earn on every eligible asset in your account automatically. Your assets will generate weekly rewards, which compound over time.

To use Auto Earn, you simply need to turn it on and it will apply across all eligible assets in your account. Once you have activated Auto Earn, Kraken will automatically allocate your eligible assets and manage the whole process, with no further action required from you.

Assets enabled in Auto Earn are still available to trade (including Spot and Margin trades on Kraken Pro) or withdraw at any time.

Read our Overview of Auto Earn on Kraken page for more information.

Note: That the Flexible product is only available in Kraken Pro. Auto Earn program is available in both Kraken Consumer and Kraken Pro.

You can check your eligibility for Opt-In Rewards under your country listed here. Geographic restrictions apply for product and program availability. If Opt-In Rewards is not showing as an option for your Kraken account, you may not be eligible. Note that Flexible and Bonded Opt-In Rewards are only available in Kraken Pro and Auto Earn Opt-in Rewards are available in both Kraken Pro and Kraken.

For a complete list of the terms, conditions and details of the Opt-In Rewards program, please see our Terms of Service.

Asset

Bonded

Flexible

Bitcoin (BTC)

Global Dollar Network (USDG)

USD Coin (USDC)

Tether (USDT)

XRP (XRP)

-

Geographic restrictions apply for asset and program availability - see here for more information.

To ensure Kraken remains compliant and can continue to provide an exceptional experience to European clients in the long term, Kraken will wind down fiat and stablecoin Opt-in Rewards offering in the EEA region by June 30, 2025. Clients will not be able to manually allocate new assets to the impacted Opt-in Rewards products after May 30, 2025 but will continue earning rewards for all assets allocated to these products up until June 30.

For asset tickers, please refer to our API documentation.

Opt-In rewards are paid out once per week. There may be variance in payout timing due to platform upgrades, but reward amounts will be accurate to the period accrued.

Each asset will earn rewards at its own Annual Percentage Rate (APR). The reward rate is different per asset, and rewards will be paid out in kind. For example, your rewards for BTC will be in BTC. Rewards will only be added if the reward is greater than the smallest decimal precision.

All rewards that have been earned via Opt-In Rewards are counted and will appear in the total rewards column on the Earn page.

Asset

Flexible Opt-In Rewards APR

Maximum Amount for Flexible OIR

30-day Bonded Opt-in Rewards APR

Maximum Amount for 30-day Bonded OIR

Global Dollar (USDG)

4.5%

10M USDG

6.5%

25M USDG

USD Coin (USDC)

4.25%

10M USDC

5.5%

N/A

Tether (USDT)

4.25%

10M USDT

5.5%

N/A

Bitcoin (BTC)

0.1%

175 BTC

0.15%

N/A

XRP (XRP)

1%

20K XRP

N/A

N/A

To ensure Kraken remains compliant and can continue to provide an exceptional experience to European clients in the long term, Kraken will wind down fiat and stablecoin Opt-in Rewards offering in the EEA region by June 30, 2025. Clients will not be able to manually allocate new assets to the impacted Opt-in Rewards products after May 30, 2025 but will continue earning rewards for all assets allocated to these products up until June 30.

When you participate in a bonded Opt-In Rewards program, your funds are not locked for a mandatory period prior to unbonding. You can initiate a request to exit the program and start the 30-day unbonding period for your funds at any time.

The unbonding period only begins when you choose to exit the rewards program (i.e., when you request to unbond). For example, if you are allocated to a 30-day bonded product, once you make a request to unbond, your funds are not available for use until the 30-day unbonding period ends.

Opt-In Rewards assets will continue to earn rewards during the unbonding period.

There is no minimum allocation time required to earn rewards for Opt-In Rewards .

You start earning prorated rewards for Opt-In Rewards as soon as it is processed by Kraken (which may be within minutes of you Opting-in your funds). Any rewards earned will be credited to your Opt-In Rewards balance on the following payout day.

There are currently no fees for Opt-In Rewards (whether in Bonded or Flexible).

The Kraken website and mobile app may truncate decimal places of small rewards. Rewards below five decimal places will only display on exported ledger history.

While your assets are held in our Opt-In Rewards program, they are not available for trading and cannot be withdrawn to an external (non-Kraken) account or wallet. Upon receipt of your request, we'll initiate the Opt-Out process instantly when practicable; provided, that we may require up to seven days after you submit your request to Opt-Out to process the transaction. Opt-In Rewards of BTC, USDG, USDC and USDT can also impact your equity for margin trading, because these assets are collateral currencies and while opted In, will be removed from your trading and equity balances. Your equity balances affect your free margin and margin level for margin trading. 

Yes, Opt-In Rewards is available in both mobile and web, with the Bonded and Flexible products only available in Kraken Pro.

DISCLAIMER: KRAKEN IS NOT A BANK OR OTHER DEPOSITORY INSTITUTION. YOUR KRAKEN ACCOUNT IS NOT A DEPOSIT ACCOUNT OR A BANK ACCOUNT. THE OPT-IN REWARDS PROGRAM IS NOT A DEPOSITORY OR BANK PROGRAM. NEITHER YOUR KRAKEN ACCOUNT NOR OPTED IN ASSETS ARE COVERED BY INSURANCE AGAINST LOSSES OR SUBJECT TO FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) OR SECURITIES INVESTOR PROTECTION CORPORATION (SIPC) PROTECTIONS OR THE PROTECTIONS OF ANY COMPARABLE ORGANIZATION ANYWHERE IN THE WORLD. YOU SHOULD INFORM YOURSELF OF ANY LEGAL OR TAX CONSEQUENCES OF PARTICIPATING IN THE OPT-IN REWARDS PROGRAM. KRAKEN IS NOT RESPONSIBLE FOR ANY SUCH CONSEQUENCES TO YOU.

For further information read our Terms of Service and feel free to contact our support team for additional questions.

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