Your USDC Now Earns Up to 4.59% APY — Automatically

Your Balance Should Work for You

Most wallets treat your stablecoins like cash under a mattress — sitting there, doing nothing. We think that's a waste. Starting today, every Minisend wallet with at least $2 in USDC automatically earns up to 4.59% APY.

No buttons to click. No protocols to research. No staking dashboards to monitor. Just hold your USDC in your Minisend wallet and yield accrues in real time.

How It Works

Minisend routes idle USDC balances into battle-tested, audited DeFi yield strategies on Base. The underlying protocols are selected for security and reliability — not chasing the highest number on a leaderboard.

Here's what happens behind the scenes:

1. You deposit USDC into your Minisend wallet
2. Any balance above $2 is automatically allocated to yield strategies
3. Yield accrues continuously and is reflected in your balance
4. When you withdraw or offramp, your full balance (principal + yield) is available instantly

There are no lockup periods. Your funds remain fully liquid at all times.

Why $2?

We set the minimum at $2 to ensure that even micro-earners — Farcaster creators receiving small tips, freelancers collecting partial payments — can benefit. Most yield products require minimums of $100 or more. We believe everyone deserves to earn on their money, not just whales.

What 4.59% Actually Means

Let's put it in real terms:

• $10 held for a month earns roughly $0.04
• $100 held for a month earns roughly $0.38
• $1,000 held for a year earns roughly $45.90

These numbers compound. The longer you hold, the more you earn. For creators and freelancers who keep a running balance in their Minisend wallet between offramps, this is free money on money that was previously sitting idle.

Is It Safe?

Security is non-negotiable. Here's how we approach it:

• Audited protocols only: We only allocate to yield sources that have undergone multiple independent security audits
• No exotic strategies: No leveraged positions, no illiquid LP farming, no meme token yield
• Instant withdrawals: Your funds are never locked. Withdraw or offramp anytime
• Transparent rates: The current APY is always visible in your wallet. No hidden fees, no surprises

The yield rate fluctuates based on market conditions — 4.59% is the current rate and may change over time. We always display the live rate so you know exactly what you're earning.

How This Compares

Traditional savings accounts in Kenya offer 3-6% on KES deposits, but those returns are eroded by currency devaluation. Earning 4.59% on dollar-denominated USDC means your yield is in dollars — preserving purchasing power while still growing your balance.

Compared to other onchain yield options, Minisend removes all the complexity. No need to understand DeFi protocols, approve smart contracts, or manage positions across multiple apps. We handle the infrastructure; you just hold your balance.

Available Now

Automated yield is live for all Minisend wallets. If you already have $2 or more in USDC, you're already earning. Check your wallet at app.minisend.xyz to see your accrued yield.

If you're new to Minisend, getting started takes less than a minute. Deposit USDC from Base, Lisk, Polygon, or Celo, and your balance starts earning immediately.