One of the most confusing questions for beginners entering the crypto space: BNB holdings—should you choose flexible (spot) or fixed-term? Fear of missing out on Launchpool airdrops, yet reluctant to lock in funds. Actually, many people don’t realize a key point—even with flexible holdings, your funds can still participate in token distributions; there's no need to choose one or the other.

Let's directly analyze the yield data for different terms. Flexible (spot) deposits are divided into two tiers: less than 1 BNB yields 0.16% annualized, while over 1 BNB drops to 0.04%. The advantage is that you can redeem at any time; the downside is lower returns. Suitable for beginners with limited funds who might need to use their assets at any moment.

What about short-term fixed deposits? 15 days yield 0.16%, 30 days yield 0.2%. Slightly better than flexible, with a shorter lock-in period. First-time fixed deposit users can start here to get a feel for the process and the rhythm of returns, and then determine their risk preference.

The key point here is: don’t be scared off by the "low flexible yield." As long as your funds are in the account, whether flexible or locked, you still have a chance to be selected for Launchpool participation. In other words, you can enjoy token dividends while maintaining liquidity. Instead of overthinking, choose based on your cash flow plan—if you might need to use the funds soon, flexible is enough; if you don’t need them in the short term, the slightly higher returns of fixed deposits are better than nothing.