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.

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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

Each DPT Earn product has a risk level. It shows where the yield comes from and how likely you are to lose money.

Risk-Free Rate: US Treasury (coming soon)
Holds a token backed by short-term US Treasury bills, whose rate is often called the risk-free rate. The token still depends on its issuer and custodians, and its price can move slightly.

Low Risk: DPT Earn Vault
Earns from lending to borrowers who post more collateral than they borrow. Returns change with demand. Losses are unlikely but possible, for example if a market or smart contract fails.

High Risk: DPT High Yield
Higher, variable yield from riskier sources such as reinsurance. You can lose money: your balance can fall, and you may get back less than your shown balance when you sell.

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

Read the full article in the Help Center

DPT Earn offers three products. Each one earns from a different source and carries a different level of risk:

  • US Treasury (Risk-Free Rate): earns from short-term US Treasury bills. Coming soon.
  • DPT Earn Vault (Low Risk): earns from lending to borrowers who post more collateral than they borrow.
  • DPT High Yield (High Risk): earns from reinsurance.

Higher potential returns come with higher risk. Returns on all DPT Earn products are variable and not guaranteed. Choose the product that fits how much risk you’re comfortable with. See What do the risk levels mean?

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

Read the full article in the Help Center

Reinsurance is insurance for insurance companies. An insurer that takes on large risks passes part of them to a reinsurer. In return, the reinsurer receives part of the premiums and pays part of the claims when they happen.

OnRe takes on two broad groups of risk: specialty business risks and catastrophe risks. OnRe targets roughly a 50/50 split between the two.

Specialty business risks cover specific business risks, such as:

  • D&O: lawsuits against company directors and officers over their decisions.
  • Cyber: losses from hacking, ransomware and data leaks.
  • Tech E&O: errors and omissions. Pays when a technology company’s product or service fails and a client loses money.
  • Aviation: aircraft and airline risks.
  • Crop: farm crops damaged by bad weather or disease.
  • Marine offshore: ships and offshore oil and gas structures.
  • Energy: energy projects such as power plants and pipelines.

Catastrophe risks come from large natural events, such as:

  • Wind: windstorms in North America and internationally.
  • Earthquake: quake damage in North America and internationally.
  • Flood, wildfire, monsoon and hail: weather and disaster damage across several regions.

Catastrophe contracts pay only when total industry losses from one event reach a high level. They usually run six to twelve months.

OnRe describes specialty lines as steady, with consistent, low-volatility losses. Catastrophe contracts pay only in extreme events. Results can vary, and neither is risk-free.

OnRe says capital sits in segregated accounts and is never leveraged or reused.

Source: OnRe Portfolio Makeup (docs.onre.finance/reinsurance-framework/portfolio-makeup) and OnRe FAQ (docs.onre.finance/technical-resources/frequently-asked-questions). Checked 12 October 2026.

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

Read the full article in the Help Center

Yes. The value of DPT High Yield can fall, so you may get back less than you put in. Big insurance claims can lower your returns or reduce its value. The assets behind ONyc can also lose value. When you sell, the market price may be lower than the underlying value. For the full list of risks, see  Risk Disclosure.

Only invest what you can afford to lose.

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

Read the full article in the Help Center

No investment is risk-free. OnRe is regulated by the Bermuda Monetary Authority. It keeps ONyc’s money in a segregated account, separate from its other business, and sets aside reserves for claims. 

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

Read the full article in the Help Center

You do. The ONyc behind your DPT High Yield holdings is held at your own onchain wallet address, created automatically with your DPT account. It is not in a pooled account under DPT’s name.

It is held in your own Privy wallet on Solana. (Privy is a Stripe company.) Your position is recorded on the public blockchain, so you can check it anytime.

Only you can move your assets. DPT prepares each purchase and sale, and you approve it.

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

Read the full article in the Help Center

No. DPT High Yield has no fixed term or lock-up. You can sell DPT High Yield anytime in the DPT app. The price you get depends on the market at the time you sell.

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

Read the full article in the Help Center

There are no regular cash payouts. Yield builds into the value of DPT High Yield daily. You receive it when you sell.

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

Read the full article in the Help Center

Sometimes. During our campaigns, we run subsidies that can lift your return above 10–12%. Follow our activities for details. These are not guaranteed.

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

Read the full article in the Help Center

OnRe targets a base yearly return of about 10–12%. Yields are variable.

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

Read the full article in the Help Center

DPT High Yield earns from two sources through its underlying asset, ONyc:

  • Insurance premiums. Insurers pay OnRe to share big risks, such as lawsuits, cyber attacks and natural disasters. What’s left after claims is yield.
  • Backup money. The money held to pay claims earns its own return, from assets like stablecoins and US Treasuries.

It is not paid in token rewards.

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

Read the full article in the Help Center

Currently, DPT passes 100% of the yield to you, with no buy, sell, 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

Yes. The minimum amount is 0.01 USDC.

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

Read the full article in the Help Center

DPT High Yield is available to verified DPT users in supported regions. You need to pass DPT identity verification (KYC) before you can use it. Availability can vary by country, depending on local regulations.

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

Read the full article in the Help Center

DPT High Yield gives you access to ONyc, a yield-bearing token issued by OnRe. ONyc earns from reinsurance, the business of insuring insurance companies.

You buy and sell ONyc with USDC in DPT High Yield. Its value changes as OnRe’s reinsurance business performs.

DPT High Yield is a high-risk product. Returns are not guaranteed, and you may get back less than you put in.

About ONyc

ONyc is issued by On Re SAC Ltd. It earns yield from reinsurance premiums and from the assets that back it. ONyc runs on the Solana blockchain.

About OnRe

On Re SAC Ltd. is authorised and regulated by the Bermuda Monetary Authority (registration number 55347). It holds:

  • a Class F licence under Bermuda’s Digital Asset Business Act 2018, and
  • a Class IIGB licence under Bermuda’s Insurance Act 1978.

Regulation does not protect you from losses. See Can I lose money with DPT High Yield?

DPT provides the app you use to access ONyc. OnRe issues ONyc and manages the reinsurance business.

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

Read the full article in the Help Center

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

The vault lends your funds through over-collateralized loans on established lending protocols, including Morpho. Borrowers pay interest on these loans, which is the vault’s main source of yield. The vault may also earn rewards from its underlying allocations.

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

Your funds are held in your own onchain wallet, created automatically with your DPT account. They are not pooled in a DPT-managed account. Only you can authorize deposits and withdrawals.

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

Read the full article in the Help Center

  1. On the Earn page, select DPT Earn Vault 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

Most withdrawals are complete within 2 hours, and all within 12 hours. After that, funds take a short time to reach 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 maximum deposit or balance limit for DPT Earn Vault. The minimum deposit is 0.01 USDT or USDC.

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 Vault is a DeFi product, not a bank deposit. Before you deposit, understand these risks:

  • Variable returns. The APY changes with market conditions and can go down. Returns are not guaranteed. Past performance does not predict future results.
  • Smart contract risk. Your funds interact with onchain software: the vault and the protocols it uses. A bug or exploit in any of these could cause you to lose funds. The vault only uses established, audited protocols, but this risk can’t be removed.
  • Liquidity risk. Your funds are lent out. In rare periods of extreme market demand, withdrawals may take longer than usual while liquidity frees up.

Only deposit what you’re comfortable putting at risk.

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 vault shares are held in your own Privy wallet (a Stripe company) on Base, and 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 compound automatically in the vault. They’re included in your DPT Earn Vault balance, 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

Withdrawals go straight to your DPT spending balance. From there, you can spend them with your DPT card or use them like any other balance in your account.

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

Read the full article in the Help Center

DPT Earn Vault  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 DPT Earn Vault are lent out through the vault, so you can’t spend them directly. Withdraw first. Your funds return to your spending balance, 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 see your DPT Earn Vault balance and earnings anytime in the DPT app. Your position is held at your own onchain address, so you can also check it onchain yourself.

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 deposit shows in your DPT Earn Vault balance once the onchain transaction is confirmed. This usually takes a few minutes.

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

Read the full article in the Help Center

Yes. The minimum deposit is 0.01 USDT or USDC.

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 can vary by country, depending on local regulations.

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

Read the full article in the Help Center

Yes. You need to pass DPT identity verification (KYC) before you can activate DPT Earn.

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 Provider. 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.

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 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.