On October 16, 2025, Bybit EU officially launched its Rewards service, a fixed-term product 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 security of funds.
- A new step towards the democratization of crypto investment in Europe.
A yield product designed to democratize crypto investing
The Rewards service is positioned as a beginner-friendly product, designed to make it easy for anyone to generate income from idle crypto assets. With a minimum entry barrier and a limited riskit primarily targets new European investors seeking a passive exposure to cryptocurrencies without technical complexity.
Assets supported and yield generation mechanism
Currently, supported cryptocurrencies include Bitcoin (BTC), Ethereum (ETH), USDC and other popular tokens. The service operates according to a model of fixed term product : Users lock up their assets for a predetermined duration in exchange for higher returns.
Returns are generated by lending activities (Savings) or wealth management strategies (Wealth Management). Concretely, Bybit EU uses the deposited funds to fund liquidity pools or finance secure lending operations, then redistributing the interest to investors.
Crucial point: Both the APR (Annual Percentage Rate) and investment term are set at the time of purchase. This contractual guarantee protects the user against rate fluctuations throughout the blocking period.
Practical operation: four steps to investing
The investment process has been optimized for maximum accessibility. Here's how the subscription works:
Step 1: Access to the service
From the app or site Bybit EUthe user navigates to Bybit EU Earn, then selects the Rewards service. A clean interface presents the different plans available, classified by cryptocurrency, duration and APR.
Step 2: Plan selection
Users view current offers: blocking duration (7, 14, 30, 60 or 90 days depending on the product), APR displayed in real time, and available pool limit. Some Fixed Term plans may display multiple cryptocurrency icons in the APR section, meaning rewards may be distributed in multiple tokens. For example, a BTC deposit can 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 the details (estimated APR, repayment date, projected return), then validates. The APR remains unchanged for the duration of the contract.
Step 4: Management and monitoring
Capital and returns are automatically credited to the funding account on the returns distribution date at 00:30 UTC. Users can track their positions via three channels: the Rewards Service homepage, the 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 quantity of tokens: the user will receive at least the same number of tokens as he invested. However, the fiat value of these tokens may fluctuate depending on market conditions.
Practical example: An investor deposits 1 ETH into a 30-day plan with 5% APR. At maturity, he will recover 1.0041 ETH (capital + interest). If the price of ETH fell by 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 a reduced APR. Specific conditions are detailed on each product page.
The management fees charged by Bybit EU are already integrated into the displayed APR, ensuring full transparency. No hidden costs are applied.
Examples of concrete uses
Profile 1: The crypto beginner (€500 in USDC)
Marie, 28 years old, has 500 USDC that 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, higher yield than traditional European savings accounts (~3% on average).
Profile 2: The Bitcoin holder (0.1 BTC)
Thomas, 35, has held 0.1 BTC for several months and has no plans to sell in the short term. He opts for a 90-day plan with APR at 4.5%.
- 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 asset already held, without the need for active trading.
Profile 3: Multi-reward diversification (€1,000 in ETH)
Sophie, a confirmed investor, places €1,000 ETH equivalent on a plan allowing multi-token rewards. His 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 advantage
The launch of the Rewards service takes place in a transformed European regulatory context. Bybit obtained its MiCA license from the Austrian authority FMA 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 that European users benefit from legal remedies through European courts and can file complaints with national supervisory authorities.
Mandatory KYC: To invest in the Rewards services, the user must complete at least a standard individual identity verification. This requirement is part of the anti-money laundering (AML) obligations of the MiCA framework.
Separation of assets: The regulated status requires the separation of client funds and company assets, as well as regular external audits.
Comparison with market alternatives
Facing DeFi platforms
Decentralized protocols (Aave, Compound) sometimes offer higher returns, but involve risks of smart contractsa increased technical complexity and thelack of regulatory protection. Bybit EU's Rewards service is positioned as a compromise between performance and security for users who prioritize compliance.
Compared to other European CEXs
Compared to Binance (which also has a regulated European entity) or Kraken, Bybit EU relies on ease of access and theintegration with its Earn ecosystem broader (including staking, dual investment, etc.).
What this 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 productscombining legal transparency and ease of use.
Three major impacts:
- Democratization of access : no need to master DeFi or complex protocols to generate passive yield.
- Strengthened legal recourse : in the event of a dispute, the user benefits from the European legal framework, protection that does not exist on offshore platforms.
- Tax standardization : MiCA compliance facilitates tax reporting, with regulated exchanges having to provide documents compatible with European requirements (DAC8 directive to come).
A step towards normalizing crypto yields in Europe
The launch of the Rewards service by Bybit EU is part of an underlying trend: the professionalization of crypto products for the European market. By combining MiCA compliance, ease of access and capital protection in tokens, the exchange clearly targets beginner and intermediate investors looking for an alternative to traditional savings accounts.
The yields offered, although variable depending on market conditions, remain significantly higher than European bank interest rates current (3-4% for the best paid accounts). However, the counterpart lies in theexposure to crypto volatility and the temporary blockage of liquidity.
For European users, this service represents an option to consider in a diversification strategy, provided they understand the mechanisms and associated risks.
The minimum and maximum thresholds vary by asset. They are displayed when selecting the plan.
The APR and number of tokens are guaranteed. Fiat value can fluctuate with market prices.
Some plans allow early surrender with reduced APR. Check the specific conditions of each product.
Bybit EU holds a MiCA license from the Austrian authority FMA, ensuring regulatory compliance and segregation of customer assets.
No, the fees are already deducted from the displayed APR. No additional costs are charged.
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