How Yield Works
When you deposit assets into Crowd.Credit, they don't sit idle. Your deposits are deployed to battle-tested DeFi protocols to generate yield, which is shared between you and the platform.
Yield Generation
Crowd.Credit routes deposits through the YieldRouter smart contract to established lending and staking protocols:
| Protocol | Strategy | Typical APY | Assets |
|---|---|---|---|
| Aave v3 | Lending | 2-5% | USDC, USDT, DAI, ETH |
| Compound v3 | Lending | 2-4% | USDC, ETH |
| Lido | Liquid Staking | 3-5% | ETH (as wstETH) |
Revenue Split
Yield generated from your deposits is split as follows:
| Recipient | Share | Purpose |
|---|---|---|
| You | 65% | Credited to your account daily |
| Platform | 25% | Operational costs and development |
| Insurance | 10% | Protocol insurance fund |
How It Works
- Deposit -- You deposit tokens into the
DepositVaultcontract. - Route -- The
YieldRouterallocates your deposit to the optimal protocol based on current APYs and risk parameters. - Earn -- Yield accrues continuously as the underlying protocols generate returns.
- Distribute -- Every 24 hours, accrued yield is calculated, split according to the revenue share, and your portion is credited to your account balance.
Yield Tracking
You can track your yield earnings in real time through:
- Dashboard -- The Crowd.Credit app shows daily, weekly, and monthly yield breakdowns
- API -- Query your yield history via the
/api/v1/yield/historyendpoint - On-Chain -- All yield distributions are recorded on-chain for transparency
Compounding
By default, your yield earnings are automatically reinvested (compounded). This means your yield generates additional yield over time. You can disable auto-compounding in your account settings if you prefer to withdraw yield earnings separately.