With Simple Earn Flexible, Real-Time APR and Bonus Tiered APR may be displayed, but repayment affects them differently. Real-Time rewards accrue every minute directly in the Earn Wallet. Per Binance rules, they continue to be calculated until the moment of redemption.
Bonus Tiered works on a different calendar. The calculation is based on a random snapshot of the previous day's balance between 00:00 and 23:59 UTC. Accrual starts the following day at 00:00 UTC, and the allocation to the Spot Wallet is expected another day later in the window from 00:00 to 08:00 UTC.