Watch your balance grow in real time
Interest accrues every second and appears in your balance. New deposits join Yield Mode automatically above the threshold. No manual steps required.
Earn yield on stablecoins
Yield without moving funds
Yield Mode works similar to an interest-bearing current accounts. Once enabled, yield accrues automatically on your balance while your account continues working normally.
Built on Aave. Fully self-custodial.
Yield is generated via the Aave lending protocol. Everything runs on-chain, your private keys stay under your control, and Tangem never holds your funds.
Estimate your earnings
Rates are variable and may change over time. Calculations are estimates.
Ending balance
$0
Initial balance
Monthly top-up
Investment period
Control yield per asset and account
Yield Mode is enabled per account. Create multiple accounts and choose where yield is active. For example, keep one account as a long-term portfolio and another for everyday transactions.
FAQs about Yield Mode
Here we've answered some of the most common question we received
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The Yield Mode is a built-in feature in the Tangem Wallet app that allows users to accrue yield on their crypto directly from their self-custodial wallet. It integrates with the Aave decentralized finance (DeFi) protocol, enabling users to lend assets and generate returns while retaining complete control over their private keys.
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When you enable Yield Mode, your selected assets (such as USDT or USDC) are supplied to Aave's liquidity pools via Tangem's audited smart contract. Aave's protocol uses these funds for decentralized lending, generating yield that is automatically credited to your balance. You can access, send, or withdraw your funds at any time.
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Tangem Yield Mode currently supports stablecoins and select tokens compatible with Aave, including USDT, USDC, and DAI, with more assets planned for future updates. Supported tokens will appear automatically in the Tangem app's Yield Mode section.
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Aave is one of the most reputable and secure DeFi protocols in the crypto ecosystem. It operates as an open-source, non-custodial liquidity platform built on Ethereum. Aave manages deposits and loans through smart contracts, allowing anyone to lend or borrow assets transparently and safely.
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No. One of the biggest advantages of Tangem Yield Mode is complete liquidity. You can withdraw your assets (and any accumulated yield) at any time. Aave's liquidity pools are designed for instant access, and Tangem's integration ensures immediate withdrawals whenever you choose to exit.
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Tangem's smart contract is fully audited and acts as a transparent bridge between the Tangem Wallet and Aave. It manages asset routing, yield distribution, and withdrawals safely on-chain. The audit guarantees that no one can access your funds without your explicit authorization and that all operations are verifiable.
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The network fee is the standard blockchain network fee that the user pays when enabling or disabling Yield mode. It's the regular fee required by the blockchain, not Tangem. This means it is sent directly to the network validators, just like any other normal transaction. The Top-up fee is an additional fee deducted from the user's outgoing amount to Aave to cover the network costs that Tangem paid on the user's behalf earlier. When the user tops up funds to be supplied to Aave, we pay the network fee ourselves (e.g., in ETH) so that the transaction can be processed. We then convert the network fee we paid into the currency the user is sending later (e.g., USDT). When the user makes a withdrawal or transfer, we deduct that equivalent amount from the amount supplied. Example: The user tops up USDT on the Ethereum network. To supply this top-up to Aave, Tangem must pay a transaction fee in ETH. Tangem pays that ETH fee upfront. When the USDT is supplied, Tangem deducts an amount of USDT equal to the amount of ETH spent. This deducted amount is the Top-up fee
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Yes. You can tap Disable Yield Mode in the Tangem app at any moment to move your assets and any earned yield back to your main Tangem wallet balance.
