Version 1.0 · Effective 21 August 2026 · Last updated 21 August 2026
1.1 DPT Earn (“Earn”) is provided by DPT Pay (Panama) S.A., a company incorporated in the Republic of Panama (“DPT Pay”, “we”, “us”, “our”). When you activate Earn, your contract for Earn is with DPT Pay.
1.2 These Terms govern Earn only. The terms governing your DPT account continue to apply to that account, and where the two conflict, these Terms prevail in relation to Earn.
1.3 DPT Pay is not a bank and is not licensed or registered as a financial institution. Earn is not a regulated financial product, and you do not receive the protections that apply to regulated products.
1.4 By activating Earn you confirm that you have read these Terms and agree to them.
2.1 Earn allows you to move stablecoins from your DPT account into a blockchain wallet associated with your DPT account (your “Earn wallet”), and from there into a vault operated by Gauntlet (the “Vault”). The Vault allocates funds across third-party decentralised finance (“DeFi”) lending protocols.
2.2 When funds enter the Vault you receive vault share tokens in your Earn wallet. Those tokens are your record of participation in the Vault. You own them, and you can inspect them on a public blockchain explorer at any time.
2.3 Earn is not:
2.4 DPT Pay does not hold your Earn funds on its own balance sheet, does not pool them with the funds of other users for its own account, and does not lend them.
3.1 You may use Earn only if you hold a DPT account in good standing, have completed identity verification, and are not resident in, incorporated in, or accessing Earn from a Restricted Jurisdiction.
3.2 Earn is available only in the countries shown when you complete verification in the application. If your country is not shown, Earn is not available to you. We may change the list of available countries at any time and without notice.
3.3 Earn is not offered, and these Terms are not an offer, to any person where offering Earn would breach any law applicable to that person or to us.
3.4 If you become resident in a Restricted Jurisdiction, or we become aware that you are accessing Earn from one, we may restrict your access to Earn and require you to withdraw your funds.
4.1 To activate Earn you must confirm in the application that you have read the risk disclosures presented to you and that you wish to move funds from your DPT account into your Earn wallet.
4.2 Activation creates your Earn wallet if you do not already have one.
4.3 You may deactivate Earn at any time by withdrawing your funds and turning Earn off in the application.
5.1 Your Earn wallet is a smart contract wallet provided through Privy, a third-party wallet infrastructure provider, and associated with your DPT account.
5.2 DPT Pay is not the custodian of your Earn wallet and does not own the assets held in it.
5.3 Access to your Earn wallet is obtained through your DPT account. You are responsible for keeping your DPT account credentials, devices and authentication factors secure. Any person who obtains access to your DPT account may be able to operate Earn.
5.4 Your Earn wallet is linked to your DPT account, not to a particular device. If you lose or change your device, restoring access to your DPT account also restores access to your Earn wallet.
6.1 Vault share tokens issued to your Earn wallet are yours. DPT Pay does not acquire ownership of them at any point.
6.2 The number of vault share tokens you hold does not change with the value of the Vault. Their value does, and may fall.
6.3 You can verify your holding of vault share tokens on a public blockchain explorer at any time. The application provides a link for this purpose.
7.1 Funds and vault share tokens move only between your DPT account, your Earn wallet and the Vault. They will not be transferred to DPT Pay or to any third party.
7.2 Every transfer is authorised by you. DPT Pay cannot move funds or vault share tokens out of your Earn wallet without your authorisation.
7.3 You may stop using Earn at any time by withdrawing your funds and deactivating it.
8.1 You may deposit stablecoins supported by the Vault from your DPT account. Supported assets are shown in the application and may change.
8.2 The minimum deposit is US$1. There is no maximum.
8.3 Deposits are subject to blockchain confirmation and may not be immediate.
9.1 You may request a withdrawal at any time. There is no lockup period and no notice period.
9.2 Withdrawals are subject to available liquidity in the Vault and in the underlying protocols. In periods of market stress, exit from underlying positions may be delayed, or may be possible only at a loss.
9.3 We do not guarantee that a withdrawal will complete within any particular period, or that you will receive the amount displayed in the application at the moment you make the request.
9.4 Withdrawals are subject to blockchain confirmation and to network transaction costs.
10.1 Any return you receive arises from the Vault’s activity in third-party DeFi lending markets. It is not paid by DPT Pay, and is not interest, a dividend, a coupon or a guaranteed return.
10.2 Rates displayed in the application are variable, reflect recent Vault performance, and are not a promise, forecast or projection of future return. Rates change continuously and without notice.
10.3 Returns are not guaranteed. You may receive no return, and you may lose principal.
10.4 DPT Pay does not set, control, guarantee, underwrite or subsidise the rate.
11.1 The yield shown in the application is passed on to you in full. Fees may be introduced in future, and we will notify you in advance if that happens.
11.2 Network transaction costs are paid by DPT Pay. You are not charged for them.
12.1 You accept the following risks. This list is not exhaustive.
13.1 DPT Pay does not:
13.2 DPT Pay acts solely as a technology provider, giving you access to third-party services and protocols that it does not operate or control.
13.3 Nothing in the application, in any DPT communication, or in these Terms is a recommendation to use Earn or an assurance that Earn is suitable for you.
14.1 You confirm that you are acting on your own account, that the funds you use are lawfully yours, and that your use of Earn does not breach any law applicable to you.
14.2 You must not use Earn in connection with money laundering, terrorist financing, sanctions evasion, fraud or any other unlawful purpose.
14.3 You must keep the information in your DPT account accurate and up to date.
15.1 We may suspend, restrict or withdraw Earn, in whole or in part, immediately and without prior notice where required by law, where necessary to protect users or the integrity of the service, where we suspect unlawful use, or where a partner ceases to provide a service on which Earn depends.
15.2 If Earn is withdrawn we will use reasonable efforts to enable you to withdraw your funds, but we cannot guarantee the terms or timing on which the Vault can be exited, and clause 9.2 continues to apply.
15.3 You may stop using Earn at any time.
16.1 Using Earn involves the processing of personal data by DPT Pay and by our service providers, including Privy. Blockchain addresses and transactions associated with your Earn wallet are recorded on public blockchains and cannot be altered or erased.
16.2 Our privacy notice is available at https://dpt.xyz/privacy-policy/.
17.1 You are responsible for determining and paying any tax arising from your use of Earn. We do not provide tax advice and do not report on your behalf except where required by law.
18.1 Our total liability to you in connection with Earn is limited to the value of your Earn balance at the time the claim arises.
18.2 We are not liable for loss arising from: the performance or failure of the Vault or the underlying protocols; the acts or omissions of Gauntlet, Privy or any other third party; blockchain network conditions; stablecoin depegging or issuer action; or your loss of access to your DPT account other than as a result of our failure.
18.3 Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, or for death or personal injury caused by negligence.
19.1 Complaints about Earn should be sent by email to support@dpt.xyz. Complaints are handled by DPT Pay. We will acknowledge your complaint and respond as soon as we can.
20.1 We may change these Terms. We will give you at least two months’ notice of any change that is materially adverse to you, except where a shorter period is required by law or is necessary to address a legal, security or operational risk.
20.2 If you do not accept a change you may withdraw your funds and deactivate Earn before it takes effect. Continuing to use Earn after the change takes effect means you accept it.
21.1 Assignment. You may not transfer your rights under these Terms. We may transfer ours to an affiliate or successor, provided your rights are not materially prejudiced.
21.2 Severability. If any provision is held unenforceable, the remainder continues in effect.
21.3 No waiver. A delay in enforcing these Terms is not a waiver.
21.4 Entire agreement. These Terms, together with the documents they refer to, are the entire agreement between you and DPT Pay in relation to Earn.
21.5 Third party rights. No person other than you and DPT Pay has any right to enforce these Terms.
21.6 Force majeure. We are not liable for failure to perform caused by events beyond our reasonable control.
21.7 Language. These Terms are made in English. Any translation is provided for convenience and the English version prevails, except where local law requires otherwise.
22.1 These Terms are governed by the laws of the Republic of Panama.
22.2 The courts of the Republic of Panama have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.
22.3 Nothing in clauses 22.1 and 22.2 affects any mandatory rights you have under the law of your country of residence.