Idle balance,
earning.
Lock stablecoins you aren't using into an earn contract. Interest accrues every day until the term ends.
Illustration only. The rate above is an example you can change, not an offer. FintraPay sets the APY for each lock term; the rate is fixed on your contract when you lock and shown before you confirm.
Lock. Accrue. Withdraw.
Earn runs on your custodial balance. Pick a coin, an amount and a term, and the contract starts the same day.
Lock funds
Choose a stablecoin, an amount and a lock term of 1, 3, 6 or 12 months. The amount moves from your balance into the contract.
Earn every day
Interest is calculated daily at your contract's rate and shown in your dashboard as it builds.
Withdraw interest
Request a withdrawal of accrued interest whenever you like, from $10. Your principal comes back at maturity.
Clear rules, written down.
Every contract shows its rate, term and maturity date before you lock anything.
Open an accountHold to the end, or break early.
Plans change. You can end a contract before maturity, and the rule for what comes back is simple.
Hold to maturity
Your principal and any interest you haven't withdrawn are returned when the term ends.
- Rate fixed for the whole term
- Interest you have already withdrawn stays yours
Break early
End the contract any time. You get your principal back, minus any interest you have already withdrawn.
- Accrued interest not yet withdrawn is forfeited
- Principal returned to your wallet
Principal and interest, kept apart.
Your principal and the interest paid on it come from different wallets, so one never funds the other.
Custodial balance
You lock part of your FintraPay balance into a contract.
Platform hot wallet
Your principal stays in the platform hot wallet for the term.
Pre-funded treasury
Interest is paid from a separate treasury wallet that FintraPay funds in advance.
Earn, explained.
What rate will I get?
FintraPay sets the APY for each lock term. You see the rate before you confirm, and it is fixed on your contract for the full term.
Who can use Earn?
Earn works on custodial balances. If your payments go to your own wallet (non-custodial), there is no balance held with us to lock.
Which coins can I lock?
Any of the six supported stablecoins, on a network where that coin is supported: USDT, USDC, DAI, FDUSD, TUSD and PYUSD.
When can I take out interest?
Any time during the term, once your accrued interest is $10 or more. Anything you don't withdraw is paid out with your principal at maturity.
What if I need my funds back early?
Break the contract. Your principal is returned minus any interest you've already withdrawn; accrued interest you haven't withdrawn is forfeited.
Put idle stablecoins to work.
Create a free account, take payments, and lock what you don't need yet.
Create your account