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This article explains how auto Earn rates work, how earnings are calculated, and how earnings credits appear in your account. It builds on the core rules explained in How Auto-Earn works.

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How auto Earn rates work

Auto Earn rates are variable and may change over time.
Rates are not fixed and are not guaranteed.
Auto Earn rates may be adjusted based on:
  • Market conditions
  • Liquidity considerations
  • Operational constraints
  • Risk management decisions
Any rate changes apply prospectively and do not affect BTC already credited to your account.
The current Auto Earn APY is displayed directly in your Funding Account.Roxom does not publish fixed rates in documentation, as the APY may change over time.

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How earnings are calculated

Auto Earn earnings are calculated using the following principles:
  • Earnings are calculated in BTC
  • Calculations follow daily accrual windows
  • The applicable earn rate is applied to the BTC balance considered for that day
  • The calculation always uses the lowest BTC balance held in the Funding Account during the accrual window
Auto Earn uses the minimum BTC balance of the day, not the average or ending balance.
The exact earned amount depends on:
  • Your BTC balance held consistently during the day
  • The applicable Auto Earn rate for that period

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Accrual frequency

Auto Earn accrues on a daily basis.
  • Accrual windows include weekends and holidays
  • Earnings are calculated after each daily accrual window closes
  • Accrual timing may evolve as the product develops
Partial accrual windows do not generate earnings.

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How earnings are credited

When a daily accrual window is completed:
  • Earned BTC is credited automatically
  • No manual action is required
  • Credits are posted directly to your Funding Account
Each credit increases your BTC balance and is immediately usable.

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How earnings credits appear in your account

Each auto Earn credit appears as a completed account movement labeled: “Auto-Earn BTC” Each credit entry shows:
  • BTC amount credited
  • Date and time of the credit
  • Status: Completed
  • Source: Roxom Earn
  • Destination: Funding Account
Earnings are calculated after the daily accrual window closes at 00:00 UTC.
Credits are typically posted within ~30 minutes, depending on processing conditions. Image 6

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What happens if rates change?

If the auto Earn rate changes:
  • The new rate applies only to future accrual windows
  • Past accruals and credited earnings are not affected
  • No action is required from you
Rate changes do not retroactively modify previously earned BTC.

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What happens if auto Earn is paused?

Roxom may temporarily pause auto Earn or set the earn rate to zero to manage:
  • Liquidity
  • Market conditions
  • Operational risk
If auto Earn is paused:
  • No new earnings accrue during the pause
  • BTC already earned and credited remains in your account
  • Your BTC remains fully withdrawable at all times
Once auto Earn resumes, accrual continues under the updated terms.

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Operational and rate disclosures

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Which third-party providers are used?

Roxom works with established market venues and liquidity providers, which may include platforms such as Binance, Bybit, and Kraken. Each provider is selected through an internal evaluation process that includes risk analysis, due diligence, and operational review.

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Can providers change over time?

Yes. Roxom may add, replace, or discontinue third-party providers or operational mechanisms when needed.
These decisions are based on risk management, liquidity, market conditions, operational continuity, and internal compliance standards. There is no commitment to maintain specific providers or fixed sources of returns.

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How is the APY determined?

The Auto Earn APY is set at Roxom’s discretion and may be adjusted from time to time. APY decisions take into account:
  • Market conditions
  • Liquidity considerations
  • Operational and risk management factors
  • The goal of maintaining a prudent and sustainable rewards framework
Any displayed APY is variable, indicative only, and should not be considered a promise of future performance.

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Important notes

Auto Earn involves risk. Returns are variable and not guaranteed. Any changes to rates or availability apply prospectively and do not affect BTC already credited.