Choosing an Interest Rate

Earn helps you compare available vault options across supported providers so you can select the interest rate model and terms that best fit your needs before staking your assets.

What Borrow displays during loan creation

When staking into a vault, Earn presents:

• the current interest rate offered by each vault

• whether the rate is variable or fixed (if available)

• the required asset for the chosen loan

• any fees included in staking

This allows you to evaluate opportunity, predictability, and risk across vaults.

Choosing a variable (floating) rate

A variable rate may suit you if:

• you want the highest possible rate today

• you’re comfortable with rates that may move

• you expect increasing yield

Considerations

• variable rates can decrease during market volatility

• decreased interest rates affect estimated earnings

• stakers should track how rate movement affects their overall finance strategy

Choosing a fixed rate

A fixed rate may suit you if:

• you prefer predictable staking yield

• you want to avoid fluctuations during volatility

• you are risk-averse or running a loan-yield strategy

Considerations:

• fixed rates may be lower than variable rates

• availability depends entirely on the vault provider

• fixed-rate yield are less common in crypto markets

After your asset is staked

Once active:

• your interest rate follows the model defined by the vault

• variable rates may move up or down over time

• Earn displays your current APY and value locked in the dashboard

Earn’s role

Earn provides visibility and comparison tools when you stake assets. Rate management decisions remain with the user.