EARN USDC is a new wallet type that earns yield on the USDC you keep in it, instead of leaving it idle in your regular wallet. It appears in the same Wallets section as your other wallets, as one more block.
At a glance
| Yield | Up to 3% APY, credited daily |
| Minimum deposit | 1,000 USDC |
| How often you can deposit | Whenever you want |
| Minimum holding period | 30 days from opening the position |
| Withdrawing before 30 days | 10 USDC fee |
| Withdrawals | Full balance only — it closes your position |
Opening a position and adding to it
Your first deposit opens a position. You can move more USDC in whenever you want, as many times as you want, and every deposit must be at least 1,000 USDC.
After a deposit, the balance can take a few minutes to show up in your EARN wallet. If you do not see it straight away, give it a moment before contacting support.
Adding more USDC to an open position does not restart the 30 days — the clock belongs to the position, not to each deposit.
The 30-day clock
The clock runs from the moment you open the position. If you withdraw before those 30 days are up, a fee of 10 USDC is charged.
Closing the position resets the clock: the next position you open starts its own fresh 30 days.
How the yield works
The rate is an annual percentage yield of up to 3%, and it is credited daily. The balance you see refreshes every few minutes, so your earnings show up as they accrue rather than only once a day.
Withdrawing closes your position
Withdrawals from EARN are all or nothing: you cannot take out part of the balance. When you withdraw, you withdraw the full amount, and that closes your position.
To start earning again afterwards, make a new deposit of at least 1,000 USDC. That opens a new position, with a new 30-day clock.
Because you can only withdraw everything at once, only move money into EARN that you can leave alone for the 30 days. Needing a small part of it back means taking all of it out, paying the 10 USDC fee if you are still inside the 30 days, and closing the position.