> ## Documentation Index > Fetch the complete documentation index at: https://docs.roxom.com/llms.txt > Use this file to discover all available pages before exploring further. # What is Auto-Earn? > Learn what Auto-Earn is and how you can earn BTC on your Funding Account balance without locking your funds. **Auto-Earn** allows you to earn Bitcoin (BTC) on your available BTC balance held in your **Funding Account**. When **Auto-Earn** is enabled, Roxom automatically calculates and credits BTC earnings based on your eligible balance, without locking your funds or requiring you to move BTC into a separate Earn wallet. Auto-Earn is designed to be **simple, liquid, and fully integrated** into your Roxom account. *** **Important to know upfront** Auto-Earn is designed to reward **consistently holding BTC**, not moving it frequently during the day. If your BTC balance changes during the day, earnings are calculated based on the **lowest BTC balance** you held during that 24-hour period. *** ## Where does Auto-Earn apply? Auto-Earn applies **only** to BTC held in your **Funding Account**. * ✅ BTC in your **Funding Account** can generate earnings * ❌ BTC held in a **Unified Trading Account (UTA)** does **not** generate earnings BTC held in the UTA, including balances tied to trading activity, does not participate in Auto-Earn. Learn more about the difference between these accounts in [Understanding your Roxom accounts](/help-center/account-basics/understanding-your-roxom-accounts). *** ## How your BTC is held and used in Auto-Earn Auto-Earn is different from simply holding BTC in your account. When you turn it on and allocate BTC, you authorize Roxom to **use** that BTC to run internal yield strategies. | | Held BTC (not in Auto-Earn) | BTC allocated to Auto-Earn | | ----------------- | --------------------------- | ----------------------------------------------------------------------------------- | | Roxom uses it | No | **Yes**, you grant a right of use | | Segregated | Yes | **No**, may be commingled with other users' BTC | | Where it works | In custody | Roxom's own operations and third-party platforms (currently Binance, Kraken, Bybit) | | What you get back | Your assets | An **equivalent amount** of BTC, not the same coins | | Ownership | Yours | You keep title; you grant a right of use while allocated | Your BTC is still **not locked**: you can redeem at any time, subject to normal operational conditions. Auto-Earn is **not a deposit and is not insured**. Earnings are variable, not guaranteed, and may be zero. In extreme scenarios you could lose part or all of the BTC allocated to Auto-Earn. Full detail is in the [Auto-Earn Terms and Conditions](/legal/terms-and-conditions-btc-earn) and the [Risk Notice](/legal/risk-notice). *** ## How Auto-Earn works (high level) When you turn on **Auto-Earn**: * Your available BTC balance in the Funding Account is evaluated against the **minimum balance requirements** * Earnings are calculated over **full 24-hour accrual windows** * The calculation uses the **lowest BTC balance** held during each day * Earned BTC is credited automatically to your account * Your BTC remains **fully available** to withdraw or use at any time No manual actions or balance transfers are required. *** ## Auto-Earn and opt-in Auto-Earn is **not enabled by default**. You must explicitly turn on **Auto-Earn** to start earning BTC. Once Auto-Earn is enabled: * Your eligible BTC balance in the Funding Account is automatically considered * Future deposits to your Funding Account are included * BTC already earned and credited is never affected by turning Auto-Earn on or off Disabling Auto-Earn **before the daily accrual window closes** may result in forfeiting earnings for that day. *** ## How earnings are calculated Earnings are calculated using the following rules: * Calculations are done in **BTC** * Earnings use **full 24-hour accrual windows** * The **lowest BTC balance** held during the day is used * Balance changes during the day may reduce earnings ### Mental model Think of Auto-Earn as a daily snapshot of your **lowest BTC balance**: * If your balance drops at any point, that lower balance becomes the reference for the entire day * Balances are **not averaged** * The system does **not** use the ending balance of the day This ensures earnings are based on what you consistently held, not temporary balances. *** ## How Auto-Earn credits appear in your account Auto-Earn credits are posted automatically to your **Funding Account** once a daily accrual window is completed. Each credit appears as an account movement labeled **“Auto-Earn BTC”** and increases your BTC balance immediately. For full details on how credits work, including timing and account entries, see [**Rates, earnings calculation, and credits.**](/help-center/btc-earn/rates-earnings-calculation-and-credits) *** ## Can I withdraw my BTC? Yes. Your BTC is **never locked**. You can withdraw or use it at any time. Withdrawing BTC may affect earnings for the **current accrual window**, but it does not restrict access to your funds. *** ## Is the earn rate guaranteed? No. Auto-Earn rates are **variable and not guaranteed**.\ Rates may change or be temporarily unavailable due to market conditions, liquidity considerations, or operational factors. Any rate changes apply **prospectively** and do not affect BTC already credited. *** ## Important note Auto-Earn involves risk. Returns are variable and not guaranteed. Roxom may adjust, pause, or update Auto-Earn to manage liquidity, market conditions, or operational risk. Any changes apply prospectively and do not affect BTC already credited. This content is for informational purposes only and does not constitute investment advice. Trading digital assets involves significant risk, including the potential loss of your entire investment. Please review our [Risk Notice](/legal/risk-notice) before trading. This content is for informational purposes only and does not constitute investment advice. Trading digital assets involves significant risk, including the potential loss of your entire investment. Please review our [Risk Notice](/legal/risk-notice) before trading. ## Related articles Open article Open article Open article Open article