---
path: /earn/
title: Tempo Earn — Put stablecoin balances to work on Tempo
description: Tempo Earn lets your business access enterprise-grade products using stablecoin balances.
template: product
image: /og/2026-q4/og_2026-q4_product_earn_shape-f5_v02.jpg
locale: en
canonical: https://tempo.xyz/earn/
---

# Put stablecoin balances to work on Tempo

Tempo Earn

Tempo Earn lets your business access enterprise-grade products using stablecoin balances.

[Get in touch](/contact/)

[Explore API](/developers/docs/api/earn)

## Grow revenue and win new customers with Earn

### Earn using stablecoin balances

Feature up to 7% APY next to the products your customers already love.

### Launch in 100+ countries

Attract new customers globally with a reason to keep funds on your platform.

### Enterprise-grade

Access U.S. Treasuries, private credit, and collateralized lending from third-party providers with Tempo Earn.

## Build your Earn product on Tempo with confidence

### Earn and Spend in one account

Launch a unified account that redeems stablecoins from products accessed via Tempo Earn automatically when customers spend by card.

### Configurable rewards and pricing

Monetize a portion of the rewards generated by the products your customers choose and access competitive pricing.

### Privacy and access controls

Define policy controls on who can access your Tempo Earn program and keep activity private with Tempo Zones.

[Tempo Zones](/zones/)

## Explore Earn products available on Tempo

Asset options

### U.S. Treasuries

Tokenized U.S. Treasury bonds and sovereign debt products.

- BlackRock
- Ondo Finance
- Figure Finance

### Institutional credit

Tokenized private credit, HELOC warehouse lending and AAA CLOs.

- Figure Finance
- Maple Finance
- Huma Finance

### Collateralized lending

Onchain lending pools. Rates move with borrow demand.

- Morpho
- Veda
- SKY

## Design your Tempo Earn program.

How it works

Build a custom Earn program around your target return, liquidity needs, and customer eligibility requirements.

[Get in touch](/contact/)

## Deel contractors access products via Tempo Earn using stablecoin balances

Deel’s global stablecoin wallet lets contractors in 80+ countries get paid in dollar-backed stablecoins and access products via Tempo Earn returning up to 4%.

[Customer story](/customer-stories/deel/)

## FAQ

### Why should platforms offer earn?

Earn can help platforms attract and retain users. Businesses may offer rewards programs to users and charge a fee. If a product produces rewards for its users, businesses may design their program to keep a portion of the rewards as their program fee. For $10M allocated to products accessed via Tempo Earn, a user can generate up to $100,000.

### What returns can customers earn?

Returns depend on the underlying assets and market conditions, currently between 3.5% and 7%. Rates can change and are not guaranteed.

### Can customers withdraw at any time?

Withdrawal timing depends on the underlying asset’s liquidity and redemption terms. Tempo Earn offers both synchronous and asynchronous withdrawal products.

### Where can I offer Earn?

Availability depends on the asset provider, your product structure, and customer eligibility.

### What about compliance and privacy?

Tempo provides native privacy, access controls, and transfer policies which help financial platforms and regulated businesses build and scale Earn programs.

### Will Tempo manage my products?

No. Tempo provides software infrastructure (including for Tempo Earn). Tempo does not provide investment advice. Businesses should consult their own counsel/advisors before offering Tempo Earn.

## Launch your Earn program

Contact Tempo to configure and launch your Earn program, or tap into existing vaults on Tempo.

[Get in touch](/contact/)

---

## Site links

- [Tempo home](/)
- [Privacy policy](/privacy-policy/)
- [LinkedIn](https://www.linkedin.com/company/tempo)
- [X](https://x.com/tempo)
- [YouTube](https://www.youtube.com/@tempo)

### Products

- [Earn](/earn/)
- [Routes](/routes/)
- [Zones](/zones/)

### Solutions

- [Agentic payments](/solutions/agentic-payments/)
- [Credit](/solutions/credit/)
- [Cross-border payments](/solutions/cross-border-payments/)
- [Institutional settlement](/solutions/institutional-settlement/)
- [Stablecoin accounts](/solutions/stablecoin-accounts/)
- [Tokenized deposits](/solutions/tokenized-deposits/)

### Developers

- [Documentation](/developers)
- [Tempo Explorer](https://explore.tempo.xyz/)
- [Tempo API](/developers/docs/api)
- [Performance](/developers/performance)
- [Status](https://status.tempo.xyz/)
- [GitHub](https://github.com/tempoxyz)

### Resources

- [Blog](/blog/)
- [Customers](/customer-stories/)
- [Learn](/learn/)
- [OUSD](/ousd/)
- [Partners](/partners/)
- [Reports](/reports/)
- [Stablecoin Advisory](/stablecoin-advisory/)

### Company

- [About](/about/)
- [Careers](/careers/)
- [Brand kit](/brand/)
- [FAQ](/faq/)