This Earn on Equity Program will take effect on June 16, 2026, at 12:00 AM UTC. Until then, the current Earn on Equity Program remains in effect. For more details about the current earn on equity program, please refer to this article.
Earn 3.5% APY on your full USDT balance — automatically, from day one.
Earn on Equity is Grvt's yield program that pays you interest on your USDT balance while you trade. Starting June 16, yield is on by default for all users — no tasks to complete, no tiers to unlock. Simply hold USDT on Grvt and start earning.
Your balance earns for you from the moment you deposit to the moment you withdraw.
How it works
Deposit USDT into your Grvt account (funding or trading account).
Earn automatically. 3.5% APY accrues daily on your full USDT balance from day one.
Refer eligible friends to earn an additional +1% APY (up to 4.5% total). The referral bonus is capped at 50 USDT per 4-week cycle.
Interest accrues daily and is paid weekly every Tuesday. We are working to make payments daily.
Interest Rates
Interest rate | 3.5% APY base / 4.5% APY with referral bonus |
Eligible asset | USDT only |
Eligible balance | Combined USDT across your funding account and all trading accounts |
Equity cap | None - your full USDT balance earns |
Activation | None - yield accrues automatically on your balance on Grvt |
Payout | Yield accrues in real time but is paid weekly, every Tuesday. Payouts are being reduced to daily very soon |
Refer a friend to boost your rate
Refer an eligible friend to earn an additional +1% APY on top of your base rate. Both you and your friend benefit.
As the inviter:
Share your referral link with a friend
Your friend must deposit ≥ $1,000 USDT and complete 5 trades before the cycle ends
You earn +1% APY for that cycle (capped at 1%, regardless of how many friends you invite)
As the invitee:
Sign up using a referral link
Deposit ≥ $1,000 USDT and complete 5 trades before the cycle ends
You earn 3.5% base APY + 1% referral bonus for that cycle (and potentially the next cycle if you completed requirements late in the cycle)
nd updated periodically; displayed values are indicative and final amounts may differ slightly.
Benefits
Yield by default. No tasks, no tiers, no activation. Every USDT you hold earns automatically.
No opportunity cost. Earn interest and trade with the same balance simultaneously.
Full flexibility. No lock-ins.
No cap. Your full USDT balance earns.
Frequently Asked Questions
Do I need to trade to earn yield? No. Yield accrues daily on your USDT balance with no trading requirements.
Which assets are eligible? USDT only at launch. Other supported assets may follow.
Does my funding account balance count? Yes. Yield is calculated on your combined USDT balance across your funding account and all trading sub-accounts.
Is there a minimum deposit or cap? No minimum. No cap - your full USDT balance earns.
When does yield start and stop? New eligible users start earning immediately upon first deposit.
Do funds in Grvt Strategies (Vaults) earn yield? No. Only idle USDT held directly in your funding or trading account qualifies. Funds deposited into Strategies are excluded for as long as they remain there.
Is my money safe? Earn is built to generate yield from battle-tested DeFi protocols and institutional-grade financial products — not high-risk crypto speculation. Instead of relying on risky lending schemes or unsustainable token incentives, Grvt sources yield from proven on-chain protocols like Aave — which have secured billions in assets and operated transparently through multiple market cycles — alongside the same types of short-term credit instruments that private banks and wealth managers use to generate returns for their clients. In simple terms: your money works the way institutional money works, now made accessible on-chain inside Grvt.
As we expand, Grvt will also deploy into tokenized money market funds managed by globally recognized asset managers — bringing an even broader range of institutional yield sources to your account.
When is yield paid? Weekly, every Tuesday.
Terms and conditions apply — for more details, refer to Grvt's Earn on Equity Terms and Conditions.