Earn up to 7%* APY on stablecoins: Make your assets work for you

Why stablecoins are a good choice for investors

Stablecoins are digital assets designed to maintain a stable value by being pegged to traditional currencies like the euro or US dollar. However, if a stablecoin temporarily shifts from its usual value (for example, 1 USD), this can affect the value of your lent assets. Despite this potential risk, stablecoins have become a cornerstone of the modern crypto ecosystem, offering the stability of traditional currencies with the speed and innovation of blockchain technology. For investors, this means the best of both worlds:

• Reduced volatility: Stablecoins are pegged to fiat currencies like the euro or the dollar, providing more price stability even in turbulent markets.
  
  
• Instant liquidity: Move funds, trade, or diversify with ease. No waiting, no friction.
  
  
• Passive income potential: With Bitpanda Earn, stablecoins now do more than just sit in your portfolio, they generate real returns.

Introducing Bitpanda Earn: maximising your asset potential

Bitpanda Earn brings together everything you need to make the most of the assets you already own, from staking rewards on crypto assets to yield opportunities on stablecoins.

Whether you’re earning staking rewards on your favourite crypto-assets or collecting rewards on USDC and EURCV, Bitpanda Earn through Staking and Earn on Stablecoin is designed to help you unlock the full earning potential of assets you already own. It’s transparent and built right into your Bitpanda experience. Before making an investment decision, please make sure you understand the products and the risks involved. You can view the Staking Terms for Bitpanda GmbH here, Bitpanda Asset Management here, and the Earn Terms here.

Earn on Stablecoins 

Everything you expect from Bitpanda, like security, and transparency, applies here too. With a seamless integration in the Bitpanda platform, earning on stablecoins gives you more control of your financial growth. Plus, you can enjoy 0% trading fees when you buy or sell EURCV.

Start earning in just a few clicks:

• Hold USDC or EURCV in your Bitpanda wallet.
  
  
• Go to the Earn section and select Earn on Stablecoins.
  
  
• Choose the amount you want to lend.
  
  
• Accept the dedicated Earn Terms & Conditions and confirm the transaction.

There’s no warm-up period, your stablecoins start working for you from week one. Plus, with competitive rewards, you’ll see your holdings grow faster than ever. You can request to redeem your assets at any time. However, there is a 14-day lock-in period before your assets are returned to your wallet derived from the loan of your assets to Bitpanda.

Start earning today

Don’t let your stablecoins sit idle, put them to work. With Earn on Stablecoins, you can earn weekly rewards of up to 7% APY* on your stablecoins and unlock a smarter way to grow your assets.

Please note that Earn on Stablecoins is not available to users in Austria or the UK at this time. For more details, visit our Helpdesk to learn more about eligibility and supported assets.

Earn on Stablecoins is not classified as a regulated crypto-asset service under Regulation (EU) 2023/1114 ("MiCAR"). Please note before opting in:

Your assets won’t be held in Bitpanda GmbH’s or Bitpanda Asset Management GmbH’s regulated custody. By lending stablecoins to Bitpanda, ownership of the assets passes to Bitpanda GmbH for the term of the Earn transaction. There’s a risk of counterparty, insolvency, or de-pegging — so please make sure you understand what that means before you start.

Disclaimer

For more detailed information, please refer to the respective White Papers, available here for USDC and EURCV.

Earn (on Stablecoin) product is an unregulated product provided by Bitpanda GmbH (with its corporate seat in A-1020 Vienna, Stella-Klein-Löw Weg 17, registered with the commercial register of the commercial court Vienna under the number FN 511923 d). This product is not a depositary or banking product, and is not covered by any deposit protection scheme. When you lend e-money tokens to Bitpanda, during the term of your Earn transaction, your assets are no longer held in custody under the regulated custody arrangement. You are exposed to counterparty, insolvency and default risk of Bitpanda and stablecoin de-pegging risk, and you could lose part or all of your assets. Rewards are variable and may be adjusted at Bitpanda’s discretion. You should only invest in products you are familiar with and where you understand the risks. For more information, see our Earn Terms. 

*The stated annual percentage yield (7% APY) represents the cumulative return composed of a 3 % fixed Base Reward and a variable Bonus Reward. The Bonus Reward is granted voluntarily and at Bitpanda’s sole discretion and may change in 14-day cycles.

This article is for general information purposes only and does not constitute investment advice, nor is it an offer or invitation to purchase any digital assets.