Bybit EU Launches Its New Rewards Service
On October 16, 2025, Bybit EU officially launched its Rewards service, a fixed-term product designed for the Bybit EU Earn platform. This initiative marks an important step in the exchange’s strategy to conquer the European market, six months after obtaining its MiCA license from the Austrian financial authority (FMA) in May 2025.
In brief
- Bybit EU launches its Rewards service in October 2025 with fixed returns on BTC, ETH and USDC.
- A simple and regulated product, designed for beginners who want to generate passive income.
- Protected by the MiCA license, it guarantees transparency and fund security.
- A new step towards the democratization of crypto investment in Europe.
A yield product designed to democratize crypto investment
The Rewards service positions itself as a product suitable for beginners, designed to allow anyone to easily generate income from unused crypto assets. With a minimal entry barrier and limited risk, it primarily targets new European investors seeking a passive exposure to cryptocurrencies without technical complexity.
Supported assets and yield generation mechanism
Currently, the supported cryptocurrencies include Bitcoin (BTC), Ethereum (ETH), USDC and other popular tokens. The service operates under a fixed-term product model: users lock their assets for a predetermined duration in exchange for higher yields.
Yields are generated through lending activities (Savings) or wealth management strategies. Concretely, Bybit EU uses the deposited funds to feed liquidity pools or finance secured lending operations, then redistributes interest to investors.
Key point: both the APR (annual percentage rate) and the investment duration are fixed at subscription. This contractual guarantee protects the user from rate fluctuations throughout the lock-up period.
Practical operation: four steps to invest
The investment process has been optimized for maximum accessibility. Here’s how subscription works:
Step 1: Access to the service
From the Bybit EU app or website, the user navigates to Bybit EU Earn, then selects the Rewards service. A clean interface presents the various plans available, categorized by cryptocurrency, duration and APR.
Step 2: Selection of the plan
Users review current offers: lock-up duration (7, 14, 30, 60 or 90 days depending on products), APR displayed in real time, and pool availability limit. Some Fixed Term plans may display several cryptocurrency icons in the APR section, indicating that rewards can be distributed in multiple tokens. For example, a BTC deposit may generate mixed returns in BTC, ETH and USDC.
Step 3: Amount and validation
Minimum and maximum investment amounts vary by asset. The user enters the desired amount, checks details (estimated APR, repayment date, projected yield), then validates. The APR remains unchanged throughout the contract duration.
Step 4: Management and tracking
Capital and yields are automatically credited to the funding account on the yield distribution date at 00:30 UTC. Users can track their positions through three channels: the Rewards Service homepage, Assets > Account > Earn section, or directly after subscription via “My Holdings”.
Capital protection and risk management
Guarantee in number of tokens
The product protects capital in token quantity: the user will receive at least the same number of tokens they invested. However, the fiat value of these tokens may fluctuate according to market conditions.
Practical example: An investor deposits 1 ETH on a 30-day plan with 5% APR. At maturity, they will receive 1.0041 ETH (capital + interest). If the ETH price has dropped 15% during this period, the value in euros will have decreased, but the number of tokens remains guaranteed.
Early redemption and management fees
Some Fixed Term products may allow early redemption, but this option generally results in reduced APR. Specific conditions are detailed on each product page.
Management fees charged by Bybit EU are already included in the displayed APR, ensuring full transparency. No hidden costs are applied.
Examples of concrete use cases
Profile 1: The crypto beginner (€500 in USDC)
Marie, 28 years old, has 500 USDC she wants to grow without excessive risk. She chooses a 30-day Fixed Term plan with an 8% APR.
- Investment: 500 USDC
- Duration: 30 days
- Estimated yield: ~3.29 USDC (500 × 0.08 ÷ 12)
- Total at maturity: 503.29 USDC
Advantage: protection against crypto volatility thanks to the stablecoin, yield higher than traditional European savings accounts (~3% on average).
Profile 2: The Bitcoin holder (0.1 BTC)
Thomas, 35 years old, has held 0.1 BTC for several months and does not plan to sell short term. He opts for a 90-day plan with a 4.5% APR.
- Investment: 0.1 BTC
- Duration: 90 days
- Estimated yield: ~0.0011 BTC (0.1 × 0.045 ÷ 4)
- Total at maturity: 0.1011 BTC
Advantage: passive capitalization of an already held asset, without active trading needs.
Profile 3: Multi-rewards diversification (€1,000 in ETH)
Sophie, an experienced investor, places the equivalent of €1,000 in ETH on a plan allowing multi-token rewards. Her plan distributes 60% in ETH, 25% in BTC and 15% in USDC.
- Investment: ~0.29 ETH (at €3,450/ETH)
- Duration: 60 days
- Combined APR: 6%
- Estimated yield: mixed BTC/ETH/USDC for a total value of ~€10
Advantage: automatic income diversification, exposure to several major assets without multiple transactions.
Regulatory compliance: the MiCA asset
The launch of the Rewards service takes place in a transformed European regulatory context. Bybit obtained its MiCA license from the Austrian FMA authority in May 2025, allowing it to operate as a digital asset service provider (CASP) in the 29 states of the European Economic Area.
Implications for users
Legal security: The MiCA license means European users benefit from legal remedies through European courts and can file complaints with national supervisory authorities.
Mandatory KYC: To invest in Rewards services, the user must complete at least a standard individual identity verification. This requirement is part of the anti-money laundering (AML) obligations under the MiCA framework.
Asset segregation: The regulated status imposes separation of client funds and company assets, as well as regular external audits.
Comparison with market alternatives
Compared to DeFi platforms
Decentralized protocols (Aave, Compound) sometimes offer higher returns but involve smart contract risks, increased technical complexity, and lack of regulatory protection. Bybit EU’s Rewards service positions itself as a compromise between yield and security for users favoring compliance.
Compared to other European CEXs
Compared to Binance (which also has a regulated European entity) or Kraken, Bybit EU bets on easy access and integration with its larger Earn ecosystem (including staking, dual investment, etc.).
What it changes for the European user
Bybit EU’s Rewards service illustrates the maturation of the European crypto market post-MiCA. For the first time, investors can access regulated yield products, combining legal transparency and ease of use.
Three major impacts:
- Democratization of access: no longer need to master DeFi or complex protocols to generate passive yield.
- Enhanced legal recourse: in case of dispute, users benefit from the European legal framework, a protection nonexistent on offshore platforms.
- Tax standardization: MiCA compliance facilitates tax reporting, regulated exchanges must provide documents compatible with European requirements (forthcoming DAC8 directive).
A step towards normalizing crypto yields in Europe
The launch of Bybit EU’s Rewards service fits into a broader trend: the professionalization of crypto products for the European market. By combining MiCA compliance, easy access and token capital protection, the exchange clearly targets beginner and intermediate investors seeking an alternative to traditional savings accounts.
The proposed yields, although variable depending on market conditions, remain significantly higher than current European bank interest rates (3-4% for the best remunerated accounts). However, the trade-off is exposure to crypto volatility and temporary liquidity lock-up.
For the European user, this service represents an option to consider in a diversification strategy, provided they understand its mechanisms and associated risks.
The minimum and maximum thresholds vary depending on the asset. They are shown when selecting the plan.
The APR and the number of tokens are guaranteed. The fiat value may fluctuate depending on market prices.
Some plans allow early redemption with reduced APR. Check the specific conditions of each product.
Bybit EU holds a MiCA license from the Austrian FMA authority, ensuring regulatory compliance and separation of client assets.
No, fees are already deducted from the displayed APR. No additional cost is charged.
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