Earn keeps your USDC and USDT growing through institutionally curated lending vaults on Base — inside the DPT app you already use. No lock-ups. Withdraw anytime.
Choose an asset and an amount inside the DPT app. Your funds are deposited into an on-chain vault — you can watch the transaction on Base.
Vaults lend to over-collateralized markets curated by Gauntlet, the risk manager trusted with billions in DeFi. Your balance grows block by block — no action needed.
No fixed terms, no notice periods, no exit fees. Move funds back to your DPT balance in one tap and spend them on your card.
Business Earn accounts are held in a Safe smart account owned by your team, restricted on-chain so funds can only move between your account and the vault.
Balances live in vault smart contracts on Base — verifiable by anyone, at any time, on any block explorer.
Underlying markets are selected and monitored by Gauntlet, applying the same risk framework used by leading DeFi protocols.
One vault, one strategy, visible collateral. Your yield comes from over-collateralized on-chain lending — not from promises.
The Earn vault contract has no admin keys, no pause switch, and no upgrade path. What you audit is what runs, forever.
From borrowers. Your USDC or USDT is supplied to over-collateralized lending markets on Base, curated by Gauntlet. Borrowers post more collateral than they borrow and pay interest — that interest is your yield.
No — and anyone who says otherwise is selling something. The APY is variable and set by market supply and demand. It updates continuously and is always shown live in the app.
Earn is not a bank deposit and is not government-insured. Risks include smart-contract failure and extreme market events affecting the underlying lending markets. We mitigate them with curated vaults, immutable contracts, and conservative collateral requirements — but the risk is not zero.
Withdrawals settle in minutes — the time it takes for the transactions to confirm on Base. There are no lock-up periods or withdrawal windows.