Yield
Yield is one tap from the wallet. Opt-in only, idle balances do not auto-deploy. The user picks the risk level, from tokenized treasuries on the conservative end to leveraged DeFi on the aggressive end.
What's behind it
Deposits route into established on-chain protocols with significant total value locked. A routing engine decides where each deposit goes based on rate, asset, and chain. Encrypto integrates multiple underlying providers across direct protocol routes and aggregator routes, and expands the set over time.
Liquid vs fixed
Liquid positions can be withdrawn at any time with no lockup. Once withdrawn back to the wallet, the funds are spendable on the card, sendable to a bank, or transferable to any peer.
Fixed-maturity positions lock in a rate for a defined term. Once locked, the rate is locked. The user receives that rate to maturity regardless of where market rates move.
Rates
Rates surface in-app at the point of deposit and can change between sessions. The rate displayed at the moment of deposit is what executes for that deposit. Rates shown in documentation or marketing are illustrative, not guaranteed.
Risk
Higher rate means higher risk. Tokenized-treasury and money-market vaults sit at one end; leveraged-yield and longer-duration DeFi positions sit at the other. Smart-contract risk, depeg risk, and liquidation risk apply to the underlying protocols and are not insured by Encrypto. Positions are held in the user's own Safe, not in an Encrypto pool. See Risks for the full surface.