Onchain Features · 07 / 8
Idle Cash Earns
Balances put to work, withdraw anytime.
Stablecoin balances can sit in vaults backed by Treasuries, credit or lending and keep earning until they're spent. Platforms can embed this in their own accounts and share in the revenue. Tempo Earn is in beta.
up to 7% APYidle balance
0%
Deel payout recipients who opted into Earn
Source · Deel story
0%
Still earning after 30 days
Source · Deel story
0–2 mo
Plug-and-play Earn launch
Source · Earn programs guide
Today vs Onchain
TodayOnchain
Idle balanceEarns nothingEarns in a vault
WithdrawalLock-ups, noticeImmediate or queued
Platform revenueNoneShare of yield
Asset mixFixed productSwap strategies behind the vault
What a Balance Earns
Pick an asset type and balance. Yields are the illustrative APY ranges from Tempo's Earn guide.
Balance
$10,000
Earned in a year · ~3.5% APY
$356
Illustrative, compounding monthly. Not a quote.
Deel, first 30 days
Opted into Earn74%
Still earning at day 3085%
Eligible users earning60%
How It Works on Tempo
01
Deposit to a vault
Stablecoins in, vault shares out.
02
Strategy earns
Treasuries, institutional credit, or collateralized lending.
03
Withdraw or spend
Pull back to the balance or spend by card.
Built on19Embedded Finance APIs
In Practice
Deel· Payroll
Local currency
Private USD
Contractor pay
“Millions of contractors around the world watch their earnings lose value the moment they land.”
Read story
KAST· Cards & Earn
Sitting idle
Earning
Idle balances
“Tempo gives us a foundation to build on what stablecoin rails can unlock across payments and the next generation of money movement.”
Read storyWhat It Unlocks
01
Paycheck-to-Earn
Payouts start earning the moment they land.
02
A premium tier
Sell yield as a feature of your account.
03
Retention
Deel's Earn balances grew 72% in 30 days.