Earn connects your wallet to on-chain protocols. You can lend stablecoins and other assets through Aave and Blend, and stake RUJI and SUI. Rates are variable and not guaranteed, and THORWallet never holds your funds.
On this page
Earn is the part of THORWallet where your assets work in on-chain protocols. Each product has its own protocol, its own rules and its own risks. This page shows what is available and where.
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 here is investment advice.
What Earn offers
| Product | Assets | Protocol | Where |
|---|---|---|---|
| Stablecoin lending | USDC (Ethereum, Arbitrum, Base), USDT (Ethereum), EURC (Ethereum, Base) | Aave | Mobile app, web app |
| Lending, other assets | WETH (Ethereum, Arbitrum, Base), WBTC (Ethereum, Arbitrum) | Aave | Mobile app |
| Lending on Stellar | USDC, XLM | Blend | Mobile app |
| Liquid staking | RUJI | THORChain app layer | Mobile app |
| Liquid staking | SUI (you receive afSUI) | Aftermath | Mobile app |
The list can change. The Earn screen always shows what is available for the wallet you have selected.
Where to find it
- Mobile app: open the Earn tab. It lists My positions, Stablecoins and Non-stablecoins.
- Web app: open app.thorwallet.org/earn. You can see the products and current rates without connecting a wallet. Connect one to deposit and to see your positions.
Tap a product to open it. Each product has a Deposit and a Withdraw tab. XLM also has a Claim tab.
Which wallet you need
- Seed wallet: all products listed for the mobile app.
- Vault: in the mobile app, Earn lists SUI for a vault. Aave, Blend and RUJI are not listed.
- Web app: the products follow the wallet you connect. Aave lending needs an EVM address.
Fees
- Network fees. Every deposit and withdrawal is an on-chain transaction. You pay the network fee in the native coin of that chain, for example ETH on Ethereum, Arbitrum and Base, or RUNE on THORChain.
- Aave lending. THORWallet keeps a fee on your earnings only, never on your deposit. It is charged when you withdraw. See How to lend stablecoins.
THORWallet shows the fees on the review screen before you confirm.
Not part of Earn any more
For older features that the app no longer offers, see Retired features.
The Earn tab also lists $TITN staking, which sets your Community Tier. $TITN is a utility token, not an investment; its value may fluctuate and could fall to zero. See $TITN.
Related
Common questions
Are the rates in Earn guaranteed?
No. Rates are set by the protocols and by market demand. They are variable and can change at any time.
Does THORWallet hold my funds while they are in Earn?
No. Your assets move from your wallet into the protocol and back. THORWallet is the interface and never holds them.
Can I use Earn with a vault?
Partly. In the mobile app a vault can stake SUI. Lending through Aave and Blend and RUJI staking need a seed wallet.
Can I withdraw at any time?
In most cases yes, subject to the rules of each protocol. A lending withdrawal needs enough liquidity in the market, and unstaking SUI is not always instant.
Thank you.
Sorry about that. Chat with support inside the app, or write to info@thorwallet.org. Support will never ask for your recovery phrase.