A person checking their DPT balance on a phone while walking through a city street

Your money never stops working. Even when you don’t

Put your stablecoins to work automatically. No wallets to set up, no need to track markets 24/7, and no pro trading experience needed.

Start Earning How it works

Tether (USDT)USD Coin (USDC)Gauntlet UP TO 10% APY

Your balance, always in motion

Put your stablecoins to work and access around-the-clock earning potential—without constantly watching the market.

A man checking his phone at an outdoor café table

Stablecoin Yield, Made Simple

Put your balance to work without actively watching the market.

USDC and USDT coins resting behind a glass shield

Designed for Lower Risk

Layered controls help protect diversified USDC and USDT strategies.

Friends laughing together over lunch on a sunny terrace

Transparent and in Control

Track deposits, withdrawals, and earnings together in DPT Earn.

A teal sphere held at the centre of concentric glass rings

Continuously Risk-Managed

Portfolio allocation and market risk are monitored by Gauntlet.

DeFi complexity, taken care of

Everything DeFi normally asks of you happens automatically, behind the scenes. There’s nothing here to learn first.

  • No wallet to create

  • No assets to bridge

  • No protocols to compare

  • No gas fees to manage

  • No portfolios to rebalance

As simple as moving money between accounts.

Three taps to start

Your stablecoins. Working automatically. Nothing to track.

  1. DPT app home screen showing the account balance and Deposit / Pay actions
    Step 01 30 SEC

    Open the DPT app

    Open DPT and tap Earn

  2. DPT app Earn screen showing the Gauntlet USD Vault with its indicative APY
    Step 02 ONE VAULT

    Choose your vault

    Select a vault powered by institutional-grade risk and portfolio management.

  3. DPT app deposit screen showing 6,600 USDC with estimated yield and balance after one year
    Step 03 FROM 1 USDC

    Deposit

    Choose your amount and tap Deposit. That’s it. Your balance starts working in the background.

Powered by Gauntlet

Professional risk management, working behind the scenes

Gauntlet, the risk management platform behind leading DeFi protocols, decides where funds sit — blue-chip stablecoins only, with a strategy that adjusts automatically as the market moves. Their models pick the market; you don’t have to.

USDCUSDTBaseAuto-compounding
$1.6B+
Capital allocated to our vaults onchain
150+
Integrations
2018
In DeFi from the start
A teal sphere balanced at the centre of concentric glass rings

See what your deposit could earn

An estimate, not a promise. Choose a one-time deposit or a monthly habit, and we project it at the live vault rate.

How you deposit

$500 USDC

15 years

1 yr 30 yr

5.6%

3% floor Up to 10%
Total deposited
$90,000
Yield earned
$50,555
Average per month
$281 yield

Balance After 15 Years

$140,555

$50,555 of that is yield

Reference APY

5.6%

gtUSDa・Gauntlet

$140.6k$105.4k$70.3k$35.1k$0
1 yr3 yr5 yr7 yr9 yr11 yr13 yr15 yr

Your deposit Compounded yield

$500 / Month・15 Years

Start with $500 a month

No lock-up · withdrawals near-instant, 12 hours max

Illustrative estimate, not a promise of returns. The projection uses the live indicative rate of the Gauntlet USD Alpha vault (gtUSDa) and assumes it holds while yield compounds monthly; the real rate is variable. Funds must be withdrawn before they can be spent.

Frequently asked questions

DPT Earn lets you deposit USDT or USDC into the Gauntlet USD Alpha Vault. Curated by Gauntlet’s quantitative risk team, Gauntlet USD Alpha allocates deposits to over-collateralized lending opportunities on leading lending protocols, including Morpho, targeting the highest risk-adjusted yield on stablecoins.

Your deposits are used to fund over-collateralized loans. Borrowers pay interest on these loans, which is the primary source of the vault’s yield. The vault may also earn additional rewards and incentives from its underlying allocations.

The strategy automatically rebalances as market conditions change to optimize risk-adjusted returns. All yield, rewards, and incentives are auto-compounded within the vault, while capital flows seamlessly between earning and trading within DPT.

What makes Earn different is that your funds are held in your own onchain wallet, created automatically with your DPT account, not pooled in a DPT-managed account. Every deposit and withdrawal is authorized by you, and only you.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

  1. Select your desired product on the Earn page and tap Deposit.
  2. Select your payment currency.
  3. Enter the deposit amount and tap Continue.
  4. Confirm the amount and tap Confirm.
  5. Deposit successful! Please wait for share confirmation.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

Withdrawals are typically completed within 2 hours, and in all cases within 12 hours, plus a short time for funds to arrive back in your spending balance.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

Tax treatment of DeFi yield varies by jurisdiction. DPT does not provide tax advice, please consult a qualified tax professional regarding your own situation.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

There is no cap on how much you can deposit or earn. Any minimum amounts will be shown clearly in the app before you confirm.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

Currently, DPT passes 100% of the vault's yield to you, with no deposit, withdrawal, or management fees. If any fees are introduced in the future, they will be clearly shown before you confirm any transaction.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

DPT Earn is a DeFi product, not a bank deposit. The main risks to understand before depositing:
  • Returns are variable and not guaranteed. The APY fluctuates with market conditions and may decrease during quiet periods. Past performance does not guarantee future results.
  • Smart contract risk. Your funds interact with onchain software, the vault and the underlying protocols. A vulnerability or exploit in any layer could result in loss of funds. The vault's strategy is limited to established, extensively audited protocols, but this risk never reaches zero.
  • Liquidity risk. Deposited funds are actively utilized. In rare periods of extreme market demand, withdrawals may take longer to process while liquidity frees up.
Only deposit what fits your own risk tolerance.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

You do. Funds in DPT Earn sit at your own onchain wallet address, created automatically with your DPT account, not in a pooled account under DPT's name. Your position is recorded on the public blockchain, where you can verify it anytime.
More importantly, only you can move them. Every deposit and withdrawal requires your own authorization: DPT prepares the transaction and displays it for your approval.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

No. Earnings are compounded automatically and added to your Earn balance as they accrue, and you receive them when you withdraw.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

Withdrawn funds go straight back to your DPT spending balance.
Once there, they work like any other balance: spend instantly with your DPT card, or use them anywhere else your DPT account allows. There are no restrictions on funds once they're back in your spending balance.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

DPT Earn funds are not time-locked, and you can initiate a withdrawal whenever you choose. Please refer to the flowchart below for the withdrawal process:
  1. Go to the Earn page and tap Withdraw.
  2. Select your withdrawal currency, enter the amount, and tap Continue.
  3. Confirm the withdrawal amount and tap Confirm.
  4. Withdrawal completed

Note: Once an order enters Pending status, it cannot be canceled.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

No. Funds in Earn are actively deployed in the vault and can't be spent directly. Withdraw first — your funds return to your spending balance and are immediately ready to use with your DPT card.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

You can view your Earn balance and accrued earnings anytime in the DPT app. And because your position is held at your own onchain address, you can independently verify it onchain at any time.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

DPT Earn uses an auto-compounding model, this means earnings are not paid out as daily cash deposits, your earnings are reflected in the value of your Earn balance, which grows continuously as the vault's strategy generates yield. You realize your earnings when you withdraw back to your spending balance. 

If you have any questions, feel free to reach out:

Read the full article in the Help Center

Deposits are processed onchain. Your funds typically appear in your Earn balance within a few minutes, once the onchain transaction is confirmed.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

There is no minimum deposit limit, you can deposit any amount starting from $0.01.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

DPT Earn is available to verified DPT users in supported regions. Availability may vary by jurisdiction and is subject to regulatory requirements. 

If you have any questions, feel free to reach out:

Read the full article in the Help Center

Yes. Passing DPT identity verification (KYC) is a prerequisite for opening an Earn account

If you have any questions, feel free to reach out:

Read the full article in the Help Center

Before enabling Earn, you need to complete identity verification first. Then, follow the steps below to activate your Earn account.

  1. Go to the Earn page and tap Get Started.

  2. Review the product details and tap Get Started to continue
    .
  3. Sign the Earn Agreement by tapping Agree & Activate Earn.
  4. Pass security authentication.
  5. Start growing your assets!

If you have any questions, feel free to reach out:

Read the full article in the Help Center

If you have questions about your DPT Earn balance or withdrawals, contact DPT Help&Support through the app or via email support@dpt.xyz. Our team can help clarify balances, withdrawals, and earn-related activity.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

No. DPT Earn is not a bank account, deposit, or traditional savings product. Funds placed in Earn are deployed into decentralized finance (DeFi) protocols and are not protected by deposit insurance. Returns are not guaranteed. 
DPT provides the interface for accessing Earn; the vault itself is operated independently and managed by Gauntlet. Only deposit what fits your own risk tolerance.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

No. The APY shown in the app is variable and reflects the vault's real-time performance. Because yield comes from live onchain lending markets, rates move as those markets move. The APY you see is an indicator of current performance, not a promise of future returns.
As of the time of writing, Gauntlet offers a variable APY of roughly 4%–10%, subject to change based on market conditions

If you have any questions, feel free to reach out:

Read the full article in the Help Center

The current APY is shown in real time on the Earn page in the DPT app. It reflects what depositors are actually earning right now and updates continuously as onchain lending markets move.
As of the time of writing, Gauntlet offers a variable APY of roughly 4%–10%, subject to change based on market conditions.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

The vault is managed by Gauntlet, one of the most established risk managers in DeFi. Since 2018, its quantitative team has provided risk management for many of the industry's leading protocols, with over $1.6B in assets under risk oversight.
Gauntlet curates and continuously manages the vault's strategy, setting strict risk parameters, limiting exposure to blue-chip assets, and constraining position sizes so funds can always exit smoothly. DPT does not manage the investment strategy.

If you have any questions, feel free to reach out:

Read the full article in the Help Center

DPT Earn lets you deposit USDT/USDC into the Gauntlet USD Alpha vault, a DeFi yield strategy curated by Gauntlet’s quantitative risk team.

Your deposits are used to fund over-collateralized loans. Borrowers pay interest on these loans, which is the primary source of the vault’s yield. The vault may also earn additional rewards and incentives from its underlying allocations.

The strategy automatically rebalances as market conditions change to optimize risk-adjusted returns. All yield, rewards, and incentives are auto-compounded within the vault, while capital flows seamlessly between earning and trading within DPT.

As of the time of writing, Gauntlet offers a variable APY of roughly 4%–10%, subject to change based on market conditions

If you have any questions, feel free to reach out:

Read the full article in the Help Center

Don’t let it sit still.
Put your money to work.

Start Earning

UP TO 10% APY

Withdrawals usually land almost immediately, and settle within 12 hours at the outside. Timing shown in the app is the source of truth.

Important risk & regulatory disclosure

DPT Earn is provided by DPT Pay (Panama) S.A. Funds placed into Earn are allocated to a third-party DeFi vault operated by Gauntlet. DPT does not provide, set or guarantee the yield, and does not manage the vault. Gauntlet and the underlying protocols are not licensed or regulated. Earn is not a bank deposit and has no deposit insurance. Returns are variable and not guaranteed — you may lose some or all of your funds. Withdrawals have no lockup but depend on vault liquidity, and in stressed markets may be delayed or possible only at a loss. Earn is not available in all jurisdictions. See the full Earn Terms and Risk Disclosure.