How Earn Works

Earn by Sats Terminal allows users to access yield by using bitcoin and stablecoins as principal.

The process is designed to be simple and straightforward, with the platform handling the more complex steps in the background.

1. Registration & Wallet Setup

Users begin by signing up with an email address. No KYC or personal identification is required.

When signing in:

• A self-custodial wallet is created for the user.

• The wallet is secured through Privy’s authentication system, which allows users to access their assets without managing private keys directly.

• The wallet can authorize certain automated actions (such as supplying principal) while ensuring the user remains in full control.

This setup allows users to yield using BTC and stablecoins without installing a separate wallet or managing seed phrases.

2. Staking Configuration

Users choose how much BTC or stablecoin they want to use as principal for staking.

Earn then checks supported lending providers and displays the loan options currently available.

Each staking option includes:

• the estimated interest rate

• any associated fees

• the amount of interest the user will receive

• the required principal amount

After reviewing the available choices, the user selects the option that best suits their needs.

2. Deposit Principal (Bitcoin or stablecoin)

Earn provides a unique address for the user’s principal deposit. The user sends BTC or stablecoins to this address directly from their own wallet.

* In the event that the user has already borrowed stablecoin on Sats Terminal and/or deposited Bitcoin or stablecoin to their platform wallet, no deposit will be required.

After the transaction is submitted for confirmation on the blockchain, Earn waits for the required confirmations before continuing the process automatically.

The system tracks confirmations in real time to ensure secure processing.

At each stage, the app provides transparency so users can track the status of their principal.

4. Processing Principal (Handled Automatically)

After the principal (BTC or stablecoin) deposit is confirmed, Earn handles the required steps to prepare the assets for the selected loan.

This may include:

• moving assets to the network used by the yield provider

• supplying the principal assets to that provider

• initiating staking into vault

All of these actions happen automatically in the background. The user does not need to manage wrapping, bridging, or smart contract interactions themselves.

Once the principal is supplied, users will start earning yield.