Short answer: Yield in Xverse Earn comes from onchain protocols, not from Xverse paying bank-style interest. Which protocol and which reward asset you get depends on the Earn card you open. Rates move and are not guaranteed.
Live Earn paths
| Earn path | What you deposit | Where yield comes from | Reward asset |
|---|---|---|---|
| Vesu USDC lend (Starknet) | USDC on Starknet | Lending market supply yield (borrower interest shared with suppliers) | USDC |
| Bitcoin Staking (Stacks) | sBTC + unlocked STX bond | Proof of Transfer (PoX) staking rewards | sBTC only (not bare BTC) |
| WBTC native stake (Starknet) | WBTC on Starknet | Starknet native staking via the in-app path | Check the reward ticker in-app |
| strkBTC liquid to native stake (Starknet) | strkBTC (liquid to native stake flow) | Starknet staking path shown on that Earn card | As shown in-app for that card |
| STX Stacking (Xverse Pool) | STX | PoX stacking for locking STX | BTC |
| Spark USDB Rewards and Flashpoints | USDB / Spark activity when the card appears | Soft rewards or points-style programs on Spark | Soft wording only. Check the Earn or Spark screen. |
Open Earn and select one product at a time. Paths do not all pay the same asset or unlock the same way.
Soft paths (check the app first)
| Path | What Support can say |
|---|---|
| BOB BTC strategies, Lombard, older Earn Portal, historical sBTC peg copy | Only list these if the card still appears in your app. If it is gone, it is not a current Earn product. |
| Any APY, TVL, or "best rate" number | Not published in Support. Use the rate shown on your screen. |
Not available in Earn
- Hermetica
- Zest lending (supply or lend as an Earn product)
- STRK staking as a separate Earn product (distinct from WBTC native stake or strkBTC stake cards)
- Dual Stacking: discontinued. Past positions unlocked at PoX-5. Do not use Dual Stacking guides.
Zest Borrow is Discovery only (not Earn yield). Live Borrow is Vesu (WBTC collateral to stables). See the Borrow articles.
What this is not
- Not Xverse balance-sheet interest.
- Not a promised APY.
- Not Dual Stacking.
How to see your source before you deposit
- Open Earn and tap the specific card (Vesu USDC lend, Bitcoin Staking, WBTC native stake, strkBTC stake, Stacking, or Spark USDB / Flashpoints if shown).
- Read deposit asset, reward asset, lockup or cooldown, and fees on the confirm screen.
- For Bitcoin Staking, confirm rewards show sBTC, not L1 BTC.
- For WBTC native stake, read the reward ticker on screen before you confirm.
- If the screen does not show a live path, that product is not available for you.
Related
- What is Stacking and How to Stack with Xverse Pool?
- How to Earn Yield with WBTC Native Staking in Xverse
- What are the risks of earning yield on Bitcoin?
- What is a loan-to-value ratio and what happens if Bitcoin's price drops?
- Xverse Earn explained and sBTC staking explained