This Earn on Equity Program will take effect on August 11th, 2026, at 00:00:00 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 up to 3.5% APY on your USDT and USDC balance - automatically, from day one.
Earn on Equity is Grvt's yield program that pays you interest on your eligible stablecoin balance while you trade. Starting August 11th, 2026, yield is on by default for all users - no tasks to complete, no tiers to unlock. Simply hold USDT (or USDC) on Grvt and start earning.
Your balance earns for you from the moment you deposit to the moment you withdraw.
All yield is paid out in USDT, regardless of which stablecoin you hold. If your balance is in USDC, your principal stays in USDC; only the yield itself is credited in USDT.
How it works
Deposit USDT and/or USDC into your Grvt account (funding or trading account).
Earn automatically. 3.5% APY accrues daily on your full eligible 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 daily in USDT.
Interest rate | 3.5% APY base / 4.5% APY with referral bonus |
Eligible asset | USDT and USDC |
Eligible balance | Combined USDT and USDC across your funding account and all trading accounts |
Equity cap | None - your full eligible balance earns |
Activation | None - yield accrues automatically on your balance on Grvt |
Payout | Yield accrues in real time but is paid weekly, every Tuesday, always in USDT. Payouts are being reduced to daily very soon |
Yield by default. No tasks, no tiers, no activation. Every eligible USDT or USDC balance 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 eligible balance earns.
Frequently Asked Questions
Do I need to trade to earn yield?
No. Yield accrues daily on your eligible balance with no trading requirements.
Which assets are eligible? USDT and USDC.
If I hold USDC, is my yield paid in USDC too? No. All yield is paid out in USDT, regardless of whether your principal is held in USDT or USDC. Your USDC principal itself is not converted.
Does my funding account balance count?
Yes. Yield is calculated on your combined USDT and USDC balance across your funding account and all trading sub-accounts.
Is there a minimum deposit or cap? No minimum.
No cap - your full eligible balance earns.
When does yield start and stop?
Eligible users earn yield by default as soon as they deposit. The point at which you start earning is based on regular snapshots that happen during the day to capture your balance.
Do funds in Grvt Strategies (Vaults) earn yield?
No. Only idle USDT or USDC held directly in your funding or trading account qualifies. Funds deposited into Strategies are excluded for as long as they remain there.
Do all accounts earn the same rate?
The 3.5% base APY applies to all eligible accounts.
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?
Everyday.
Terms and conditions apply — for more details, refer to Grvt's Earn on Equity Terms and Conditions.
This product deploys user funds into third-party underlying protocols. Users bear full principal risk arising from those protocols, including smart contract failure, exploits, insolvency, depegging, or other loss of funds. We do not guarantee the underlying protocol's security or performance and are not liable for losses arising from it. Past yield is not indicative of future returns. This is not financial advice. Please assess the risks carefully before participating.