Yield on USDC and USDT
Put idle stablecoins to work
Subscribe to flexible or fixed-term yield products in a few taps. Interest accrues daily, every accrual is written to your ledger, and every term is disclosed before you commit. Live rates are always shown in the app.
- Interest accrues daily
- Redeem flexible positions anytime
- All terms disclosed up front
Two ways to earn
Flexible when you need liquidity. Fixed when you don't.
Both product types run on the same daily-accrual engine and the same ledger — choose the balance of access and rate that suits each position.
Liquidity first
Flexible
Subscribe and redeem whenever you like. There is no lock-up and no penalty — interest simply accrues daily for as long as your funds are in the product.
- Subscribe and redeem at any time
- No lock-up period, no redemption penalty
- Interest accrues daily from day one
- Current rate shown live in the app
Higher rates for committed funds
Fixed term
Lock funds for a set period in exchange for a higher rate. Your maturity date is fixed at subscription, and you can switch auto-renewal on or off at any time.
- A choice of set lock periods with higher rates
- A clear maturity date, fixed when you subscribe
- Optional auto-renewal you control per position
- Early redemption available — the penalty rate is disclosed before you commit
How it works
From idle balance to earning position in minutes
Earn uses the same account, the same balances and the same security as the rest of ECardPay — no separate wallet, no transfers out.
Fund your balance
Deposit USDC or USDT to your ECardPay account, or convert from a currency balance you already hold.
Choose a product and subscribe
Review the live rate, minimum and maximum amounts, remaining capacity and — for fixed terms — the lock period and penalty rate. Confirm with step-up verification.
Track, redeem or renew
Watch principal and accrued interest daily on your positions dashboard, redeem flexible positions whenever you need funds, and decide what happens at each maturity.
Transparent by design
Every number, on the record
Yield products are only as trustworthy as their bookkeeping. Earn shows you the full picture before you subscribe and keeps a complete record afterwards.
A full accrual ledger
Every daily interest accrual is written to your ledger as its own entry — you can trace exactly when and how each amount was earned.
A positions dashboard
Principal, accrued interest, your weighted portfolio rate and upcoming maturity dates in one view, with a compound-growth projection for the road ahead.
Terms before commitment
Minimum and maximum subscription amounts, remaining product capacity and — for fixed terms — the early-redemption penalty rate are all shown before you subscribe.
Auto-renewal you control
Switch auto-renewal on or off for any fixed-term position at any time before maturity. Every change is protected by the same step-up verification as the rest of the platform.
Know the risks
Earning yield involves risk. Here is what that means.
We would rather you read this before you subscribe than after. These points apply to every Earn product.
Rates are variable
Yield rates change over time and are not guaranteed. Past rates are not an indication of future rates. The rate that applies to you is the one shown in the app when you subscribe.
Not bank deposits
Digital-asset balances, including balances held in Earn products, are not bank deposits and are not covered by any deposit-insurance or investor-compensation scheme.
Early redemption has a cost
Redeeming a fixed-term position before maturity incurs a penalty at the rate disclosed to you before you subscribed. Flexible positions carry no redemption penalty.
Digital assets carry risk
Digital assets involve significant risk, including the possible loss of principal. Only subscribe funds whose loss you can afford, and read the product terms in full before committing.
Earn products are not available in all jurisdictions and are offered only where permitted by applicable law. Nothing on this page constitutes financial, investment, legal or tax advice.
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