Earn interests up to 4.4% APY in Crypto

The term Yield describes the interests you can earn with your crypto. The yearly percentage of these earnings is usually expressed in APY (annual percentage yield). An APY of 2% means, that you will earn 2% interests on the amount you e.g. lend or stake.

While staking, you are supporting the security of a Proof-of-Stake blockchain by validating transactions on the network. The transactions are validated by staking node operators. When staking your crypto with Finary, you are delegating your assets to a staking node operator, while maintaining full ownership of your crypto assets.

For each validated transaction rewards are issued from the Proof-of-Stake Protocol. The amount of crypto rewards you can earn depends on how much competition there is in staking across the entire blockchain, therefore the APY on staking programs is always only an estimate based on historical performance.

1. In rare cases, your staked assets may be lost due to network penalties (slashing) or other errors in the protocol.
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2. While you stake your assets, you are not able to sell or send it to an external wallet. Unstaking the asset can take up to multiple days, depending on the network conditions. During this locking period you cannot sell or send your assets to an external wallet.

For staked ETH rewards are distributed monthly, usually to the beginning of the month.

As a lender you are borrowing your crypto assets to a so called borrower. As a reward for the risk you take, you are getting rewards in the crypto you are lending. Similar to lending euro at a bank, where you get your interests in euro.

Who are the borrowers?

Our lending partner only lends to reputable institutions and only after they have undertaken a rigorous risk assessment and credit evaluation.

Borrowers are grouped into 4 tiers:
‍Tier 1: Large top-tier market makers from traditional finance
‍Tier 2: Crypto-native market makers
‍Tiers 3 and 4: Smaller institutional borrowers

Our lending partner ensures minimal risk by diversifying the loan portfolio across multiple borrowers. The maximum exposure to each is based on their credit rating, ranging from 15% for Tier 1 to 5% exposure for Tier 4 borrowers. Our lending partner requires borrowers to provide at least 100% collateral for all stablecoin loans. Only assets that are liquid and widely traded are accepted as collateral, including BTC, ETH, USD, USDC, XRP, ADA, AVAX and DOT.

1. The biggest risk of any lending operation is the credit risk. Credit risk refers potential loss of assets, due to the inability of the borrower to repay the loan or issue arising.
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2. While you lend your assets, you are not able to sell or send it to an external wallet. Redeeming the asset from the Lending Program can take up to multiple days. During this locking period you cannot sell or send your assets to an external wallet.

Lending rewards for BTC and USDC are distributed daily. Usually during the morning hours.