Open Earn, pick a stablecoin under Stablecoins, enter an amount on the Deposit tab and confirm. Your deposit goes into the Aave or Blend lending market from your own wallet. You withdraw from the same screen on the Withdraw tab.
On this page
Lending puts your stablecoins into an on-chain lending market. Borrowers pay interest, so the rate moves with demand. Your funds go from your wallet into the protocol and back. THORWallet never holds them.
Rates are variable and not guaranteed. Lending carries smart-contract risk, the risk that a stablecoin loses its peg, and the risk that low liquidity delays a withdrawal. Nothing here is investment advice.
Supported assets
| Asset | Networks | Protocol |
|---|---|---|
| USDC | Ethereum, Arbitrum, Base | Aave |
| USDT | Ethereum | Aave |
| EURC | Ethereum, Base | Aave |
| USDC | Stellar | Blend |
The mobile app also lists WETH and WBTC on Aave and XLM on Blend under Non-stablecoins. The steps are the same.
Before you start
- In the mobile app, select a seed wallet. Lending is not listed for a vault.
- Hold the stablecoin on the network you want to use.
- Hold some of the native coin for the network fee: ETH on Ethereum, Arbitrum or Base, XLM on Stellar.
Deposit and withdraw
Deposit
- Open the Earn tab.
- Under Stablecoins, tap the asset. If it is offered on several networks, choose the network.
- On the Deposit tab, enter the amount and tap Next.
- The first time on Aave, THORWallet asks you to tap Create Earn Account. This creates your Earn Account on-chain and costs a network fee. You may also have to approve the token once.
- Check the details under Review order and tap Deposit.
Your position then appears under My positions.
In the web app: open Earn, choose a stablecoin under Lending via Aave, enter the amount and select Supply. The first time, the web app asks you to create your Earn account and to allow the token once.
Withdraw
- Open the Earn tab and tap your position under My positions.
- Open the Withdraw tab, enter the amount and tap Next.
- Check the details and tap Withdraw.
The funds return to the same wallet address on the same network.
Fees
You pay the network fee for each transaction.
On Aave, THORWallet keeps a fee on your earnings only, never on your deposit. It is charged when you withdraw. The fee follows your Community Tier:
| Tier | Fee on earnings |
|---|---|
| Standard | 20% |
| Community (10,000 $TITN staked) | 15% |
| Community Plus (100,000 $TITN staked) | 10% |
The product details in the app show the rate you keep after this fee. $TITN is a utility token, not an investment; its value may fluctuate and could fall to zero. See the $TITN Token Terms.
Lending on Stellar with Blend
Blend is a lending market on Stellar. In the mobile app you can deposit USDC and XLM. Stellar requires a minimum XLM balance in every wallet, so THORWallet does not let you deposit your full XLM balance. The XLM position also has a Claim tab for BLND rewards from the market.
If something goes wrong
- Not enough balance to pay network fee: add some of the native coin of that network and try again.
- Failed to load fees: tap Retry. If it keeps failing, check your connection.
- Position not showing: see Earn troubleshooting.
Related
Common questions
What is the Earn Account?
It is an on-chain account that THORWallet creates for your Aave lending. You create it once with a network transaction before your first deposit.
What does lending cost?
You pay network fees. On Aave, THORWallet also keeps a fee on your earnings only, never on your deposit. It is 20 percent at the Standard tier, 15 percent at Community and 10 percent at Community Plus, charged when you withdraw.
Can I withdraw at any time?
Yes, as long as the lending market has enough liquidity. If many lenders withdraw at once, a withdrawal can be delayed.
Can I borrow against my deposit?
No. Earn only supplies assets to the lending market. It has no borrow function.
Why is Aave not listed in my Earn tab?
In the mobile app, Aave lending needs a seed wallet. It is not listed when a vault is selected.
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.