Would you keep 10,000 USDT in savings if it makes only about 38 USDT in a year? Let me show you 3 places for the same deposit And you will now how big the gap is > Savings account at the 0.38% (US average rate) gives about 38 USDT in 1 year > GRVT Earn at 3.5% APY gives 350 USDT in 1 year > GRVT High Yield Earn at up to 11% target APY gives 1,100 USDT in 1 year That 1,100 USDT is only if the target rate is reached So same deposit but a big gap > Earn gives about 312 USDT more than savings > High Yield Earn can give up to about 1,062 USDT more than savings Let me start with Earn > Your Earn balance can be used as trading margin too > So you can trade and earn at the same time > Interest calculated daily and paid next day in USDT Now the big question How can High Yield Earn aim for up to 11%? It can aim higher as it spreads your money across multiple sources that pay more > sGHO for stablecoin lending > USDY for tokenized US Treasuries > Black Opal for payment receivables > Factor for invoice financing High Yield Earn is a separate vault So how do you start with High Yield Earn To deposit > Go to Earn and select High Yield Earn > Choose USDC or USDT and enter the amount > Check the details and confirm To redeem > Go to Earn and select High Yield Earn > Select Redeem and enter the amount > Check the details and confirm Remember: > USDT turns into USDC when you deposit > USDC turns into USDT if you redeem in USDT > The amount can be a little different because of market rates > But you see estimate before you confirm Last thing and it is important you should know > APYs are estimates not guaranteed > High Yield Earn takes on the risk of the sources it invests in > Sources can change over time > So check the current sources on the High Yield Earn page first DYOR . NFA