EarnPut your money
to work.
Lend stablecoins and stake crypto through on-chain protocols, straight from your own wallet. Rates are variable, and the keys stay with you.1
- Stablecoin lending
- Staking
- Variable rates
Rates are variable and not guaranteed. On-chain protocols carry smart-contract and market risk, and you can lose some or all of what you deposit. Nothing on this page is investment advice.
Dollars and euros that work.
Lend USDC, USDT or EURC on established money markets. Your deposit starts accruing as soon as it is in the pool, and you can withdraw to your wallet.
- USDC, USDT and EURC
- Lending through Aave and Blend
- Withdraw back to your wallet
Stake and lend what you hold.
Put other assets to work through staking and lending protocols, without moving them to an exchange.
| Aave lending | USDC · USDT · EURC · WETH · WBTC | USDC on Ethereum, Arbitrum and Base. USDT on Ethereum. EURC on Ethereum and Base. WETH on Ethereum, Arbitrum and Base. WBTC on Ethereum and Arbitrum. |
|---|---|---|
| Fee on Aave earnings | 20% · 15% · 10% | At the Standard, Community and Community Plus tier. On your earnings only, never on your deposit, charged when you withdraw. |
| Blend lending | XLM · USDC | On Stellar. Stellar keeps a minimum XLM balance in every wallet, so you cannot deposit your full XLM balance. |
| SUI | Liquid staking, from 1 SUI | Through Aftermath. You select a validator and receive afSUI. |
| RUJI | Liquid staking | Auto-compounded. Seed wallet only. |
| Rates | Variable | Set by the protocols and by market demand. The app shows the current rate for each asset. |
| Wallet | Seed wallet | For Aave, Blend and RUJI in the mobile app. A vault can stake SUI. |
Checked against the released app on 12 November 2026. Figures can change; the app shows the current ones.
Earn, answered.
How does Earn work?
Earn connects your wallet to on-chain protocols. Depending on the asset, the return comes from lending on a money market or from staking. THORWallet is the interface: your assets move from your wallet into the protocol and back, and THORWallet never holds them.
Which assets can I earn on?
Stablecoins such as USDC, USDT and EURC through lending markets, and a range of other assets through lending and staking. The Earn tab in the app shows what is available and the current rate for each.
Are the rates guaranteed?
No. Rates are variable. They are set by the protocols and by market demand, and they can change at any time.
What does Earn cost?
You pay network fees. On Aave lending, THORWallet also keeps a fee on your earnings only, never on your deposit: 20% at the Standard tier, 15% at Community and 10% at Community Plus, charged when you withdraw.
What are the risks?
On-chain protocols carry smart-contract risk, market risk and, for lending, the risk that borrowers default. You can lose some or all of what you deposit. Only deposit what you can afford to lose.
Can I withdraw at any time?
In most cases yes, subject to the rules of each protocol. Some staking positions have an unbonding period. The app shows the terms before you deposit.
Is $TITN staking part of Earn?
$TITN is a utility token. Staking it sets your Community Tier, which lowers your swap fee. It is not an investment or a yield product. See the $TITN page for details.
The fine print
- Yield rates are variable and not guaranteed. Returns come from third-party on-chain protocols, which carry smart-contract, market and counterparty risk. Not investment advice.
- Protocol names identify the third-party services THORWallet connects to. THORWallet does not operate them and is not responsible for their performance.
- $TITN is a utility token, not an investment; its value may fluctuate and could fall to zero.
- The app screens on this page show illustrative prices, balances and charts.