Tempo Earn — Put stablecoin balances to work on Tempo

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.