---
title: "Tempo Earn — Put stablecoin balances to work on Tempo"
description: "Tempo Earn lets your business access enterprise-grade products using stablecoin balances."
path: "/earn/"
template: "product"
image: "/cards/earn.webp"
---

## 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.

### Explore Earn products available on Tempo

### U.S. Treasuries

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

### Institutional credit

Tokenized private credit, HELOC warehouse lending and AAA CLOs.

### Collateralized lending

Onchain lending pools. Rates move with borrow demand.

### Design your Tempo Earn program.

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

## 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.

### 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%.

### 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.