Case summary
What happened
MEXC continues to operate Flexible Savings and Fixed Savings within MEXC Earn. A January 2026 product update moved Flexible Savings interest calculation to an hourly basis effective 4 February 2026, and February 2026 materials document use of Flexible Savings assets as a funding source for futures positions. The March 2026 MEXC Earn Service Agreement states that Earn is not principal-protected, users can lose principal in whole or in part, MEXC may combine users' digital assets, and users authorize MEXC to deal with subscribed assets as it deems fit to generate returns. The same agreement states that APR can change and is not guaranteed. CYA excludes On-Chain Earn from this product identity.
Customer result
Customer outcome
Not applicable
Not-applicable is not a safety guarantee. The current Earn agreement explicitly states that the service is not principal-protected and that users risk partial or total principal loss.
- Estimated recovery
- No platform-wide customer-loss, claims or repayment process was identified for MEXC Savings in the reviewed sources; Flexible and Fixed Savings remain active.
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Varies by product
APR is variable and not guaranteed. Fixed Savings is locked until term expiry, while Flexible Savings supports redemption under product rules. On-Chain Earn is excluded from this product identity.
- Affected product
- MEXC Savings
- Confidence
- High
MEXC's current Earn Service Agreement states that subscribed assets may be combined with other users' assets and that users authorize MEXC to deal with those assets as it deems fit to generate returns. The same agreement explicitly states that Earn is not principal-protected and that users risk principal loss in whole or in part. CYA therefore does not infer deposit-like segregation or guaranteed title protection.
Known unknowns
Uncertainty
The reviewed sources confirm active Flexible and Fixed Savings in 2026 but do not establish the original Savings launch date, so launch_date remains null. Product availability, supported assets, rates, lockups and jurisdiction eligibility change over time.
Chronology
Historical record
MEXC Flexible Savings hourly interest rules take effect
MEXC changed Flexible Savings interest calculation from daily to hourly accrual, effective 4 February 2026.
This is a documented product-mechanics update, not the original launch date.
MEXC publishes current Earn Service Agreement
MEXC published the reviewed Earn Service Agreement governing Flexible and Fixed Savings and explicitly describing principal-loss, asset-use, APR and redemption risks.
The agreement is used for current risk and custody interpretation; it does not establish the original Savings launch date.
Source record
Evidence dossier
Filter by claim, reliability, source type, and whether evidence is linked to a specific event.
Event
1 sourcesFlexible Savings Upgrade: Hourly Interest Now Live
MEXC · 2026-01-28
First-party notice making hourly interest calculation effective 4 February 2026 for existing Flexible Savings assets.
status
2 sourcesMEXC Futures supports opening positions with Flexible Savings assets
MEXC · 2026-02-03
First-party evidence that Flexible Savings was an active account/product type in 2026 and could be used as a funding source for futures margin.
MEXC Earn upgrades USDT Flexible Savings APR
MEXC · 2026-02-18
Current first-party press release confirming continuing Flexible Savings operation and tiered variable APR in February 2026.
terms risk
1 sourcesMEXC Earn Service Agreement
MEXC · 2026-03-30
Current first-party agreement. It states Earn is not principal-protected, principal can be lost in whole or part, MEXC may combine user assets and deal with them to generate returns, and displayed APR is variable and not guaranteed.
No evidence records match the current filters.
Comparative records