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Introducing Fixed Yield Vaults
Put assets you already own to work earning yield.
Unlock yield from assets you already hold.
Deposit stocks or meme coins
and earn a fixed 8% APY.
Fixed Yield, Real Assets
Earn Lend pays a fixed 8% APY on assets you already hold.
Deposit any supported Robinhood Chain asset into the Earn Lend treasury. Your principal is locked for 365 days and earns a fixed rate the entire time.
When the lock ends, withdraw your principal plus all accrued yield, paid straight back to your wallet.
- distributed token holders-
- YLD tokens in circulation100,000
Explore Earn Lend's vaults
Deposit anything. Earn a fixed rate.
Deposit any of 600+ supported Robinhood Chain assets into the treasury. Your principal locks for 365 days and earns a fixed 8% APY, then returns to your wallet with the yield it earned.
Security and risk
Experimental, unaudited software. Every deposit is a verifiable on-chain transfer to the treasury.
Every deposit is a transparent on-chain transfer to the treasury, and yield accrues at a fixed, published rate. This is experimental software with no third-party audit - review the code before depositing.
Running on Robinhood Chain
Earn Lend is an experimental fixed-yield protocol running on Robinhood Chain.
- Non-custodialEarn Lend's design ensures no one can access or control your collateral.
- TransparentKey decisions require public votes by YLD token holders, ensuring accountability to both users and the wider Ethereum community.
- ResilientWhether it is governance, geographic/jurisdictional diversity, or protocol design, Earn Lend community members are always pushing to make the protocol more decentralized in pursuit of greater resilience.
Earn Lend Media
Start your journey into Earn Lend by viewing our articles, tutorials, and updates.
The Bill That Might Actually Move
This episode covers the CLARITY Act, the US government's major effort to define how crypto - especially stablecoins - fits into the traditional financial system.
Trust Isn't Given. It's Earned.
In this episode of The Yield Files, We discuss the fallout from the Kelp DAO exploit, the importance of rebuilding trust through stronger security, and explore the risks and possibilities of AI-powered programmable money.
Never Blindly Sign, Even From Friends
We break down the Drift Protocol exploit and how social engineering, not just code, keeps taking DeFi down. We also cover takeaways from EthCC, from institutional adoption to the tension between permissioned finance and DeFi's roots.
Is Bitcoin Even a Hedge Anymore?
In this episode of The Yield Files, We discuss Bitcoin’s response to macroeconomic uncertainty, the stalled Clarity Act, stablecoin yield, tokenized financial infrastructure and the risk of TradFi absorbing DeFi on unfavorable terms.
Is Private Credit Cooked?
We dig into the SEC's tokenized-stock approval, mounting stress in private credit, and what it all means for decentralization. They also cover AI's impact on software lending and give an update on Earn Lend's ongoing vault testing.
The Day Crypto Entered the Federal Reserve
This episode breaks down Kraken Financial becoming the first crypto institution to receive a Federal Reserve master account, and what direct access to the Fed's payment rails actually means. It unpacks why this is more significant than the hype suggests, and what it signals for the future boundary between TradFi and crypto.
The Japanese Yen Carry Trade
This episode breaks down the Japanese yen carry trade, nearly 30 years of cheap borrowed yen that's propped up global asset prices, and what happens now that it's unwinding. It examines why the sell-off could pressure equities, real estate and crypto alike, and what a Treasury response might mean for a softer landing.
The Trillion-Dollar Trade You've Never Heard Of
We dig into how the unwinding Japanese yen carry trade could pressure stocks, real estate, crypto and other risk assets. They also cover Kraken Financial's direct access to the Federal Reserve's payment system and what it signals for crypto's integration with TradFi.
Why Range Matters in Uniswap v3: Same Assets, Different Outcomes
This episode breaks down why range matters in Uniswap v3, using a farmers-market analogy to explain how liquidity concentration shapes returns. It also connects back to Earn Lend, showing how collateralized value can be put to work on top of the same underlying position.
Frequently
asked
questions
- Yield accrues linearly at a fixed 8% APY from the moment you deposit. Your principal unlocks after 365 days, and you withdraw it together with everything it earned.
- This is experimental, unaudited software. Deposits are custodied by a single treasury address and paid out programmatically, so you are trusting that treasury. Only deposit what you can afford to lose, and review the code first.
- Any of the 600+ supported Robinhood Chain assets - stocks, ETFs, or tokens - can be deposited. It earns a fixed 8% APY paid by the treasury; the rate is set at deposit and does not vary with market conditions.
- Earn Lend lets you deposit assets you already hold - stocks, ETFs, even meme coins - into a treasury that pays a fixed 8% APY. Your deposit is locked for 365 days, then returned with the yield it earned.
- Connect the wallet that holds your assets on Robinhood Chain, pick what to deposit, and confirm the transfer. No sign-up or KYC is required, your wallet signs every transaction.
Learn how Earn Lend works
Read the documentation to see exactly how deposits, the 365-day lock, and fixed-yield payouts work.