Send USDC from Coinbase / Binance or buy in-app via bank, card and even cash.
Activate your earn balance, funds in earn are inside a fully collaterized DeFi lending pool.
Deposit to your earn balance without fees and watch your balance grow.
Takes 60 seconds.
Deposit $100 or more and earn $10
Send $1 to anyone and earn $1
Request $1 from a friend and earn $1
Invite 2 friends and earn $2
Deposit $1000 or more and earn $15
"Before I used Beans Earn, my USDC just stood still with no returns. Now I receive returns automatically, with no hassle. It works quickly, transparently and I no longer have to manage complex wallets. Just simple and effective."
"What I especially appreciate about Beans Earn is its flexibility. I was able to switch from USDC to EURC at the right time, which allowed me to get around the low dollar rate as well as benefit from exchange rate advantages on my euro balance. Beans makes this kind of smart choice simple and accessible."
"I had been using DEFI platforms for some time, but it was hard to explain to friends. Thanks to Beans Earn, even they now understand how it works. The onboarding process is intuitive and you don't have to be a crypto expert to join. It feels accessible, safe and efficient."
The Stellar Development Foundation is the non-profit behind the Stellar Blockchain. Every year, it awards it's Stellar Community Fund Award to companies that support it's mission: to create equitable access to the global financial system. Beans App has won the Stellar Community Fund Award 3 times.
Beans App is also one of the only digital wallets that have been approved for the MoneyGram Access Program.
Beans Earn is a feature in your Beans app that lets your money work harder by lending it out securely and directly to borrowers. You earn up to 10 % per year, paid daily—no bank involved.
Traditional banks lend out your money, keep most of the interest, and pay you a small slice — often less than inflation.
Beans connects you directly with borrowers who want fast access to digital euros and dollars (like EURC or USDC). These digital currencies can be used in higher-yield markets — such as trading or lending — where returns are often higher than in traditional finance.
Because borrowers are willing to pay more for that access, you earn a share of their rate. Sounds too good to be true? It’s not. Here’s how it works, with a few quick examples.
Reason 1: Quick Profit in the Market
Imagine this: You see at the market that people are paying €12 for a box of strawberries that normally costs €10. You can buy them for €10, but the supermarket wants to be paid immediately, and you don’t have €10 in cash at that moment.
You borrow €10 and promise to pay back €10.20 in a week. (That 20% interest might sound high, but for one week, it’s only 20 cents.)
You immediately sell the strawberries for €12 and make €1.80 profit. You pay back the loan right away. Because you earn more (€2) than the interest you owe (20 cents), that interest makes sense.
Reason 2: Not Having to Sell Your Stuff
Imagine you have an expensive vase that continues to increase in value. Instead of selling the vase (and possibly paying taxes), you temporarily use it as collateral.
You receive a loan right away, use the money for what you need, and pick up your vase once you’re able to pay it back.
The interest is then the fee for storing the item and the risk for the lender. Sometimes, this is cheaper than the hassle of selling and buying again.
Reason 3: Fast and Anonymous, Worldwide
Arranging a loan at a bank can take days and involves piles of paperwork. With a DeFi platform, you can get a loan in minutes with no hassle. But for that speed and the extra risk for the lender, you pay a higher interest rate.
This happens on a large scale, and this is how Beans can offer you, as a customer, up to 10% interest on your deposited money.
Note: At Beans, you can only deposit money and earn interest. The platform uses DeFi technology to securely grow your deposited funds, without you having to provide loans yourself.
Borrowers—such as professional trading desks and crypto-native funds—pay to borrow digital euros and dollars. They use these funds in high-yield digital markets, which often offer higher returns than traditional finance.
Because they need fast access and are willing to pay a premium, you earn a share of that rate.
No — the APY is market-driven and can rise or fall depending on demand.
You’ll always see the real-time net rate in the app. Historically, this rate has hovered around 10 %.
Earnings are calculated and credited daily (≈24-hour compounding). You can track growth in real time.
You can currently open Earn balances in euros (EUR) and dollars (USD).
If your bank account is in another currency, you can deposit in your local currency (if supported), then convert to EUR or USD in the app before moving funds into Earn.
More currency options are coming soon.
Yes. You can deposit or withdraw from your earn balance anytime, 24 / 7, with no minimum balance or upper limit on how much you can earn.
Just tap “Withdraw” in the app and confirm the transaction. Your funds are sent back to your wallet within seconds.
We cover the blockchain transaction fees, so you keep 100 % of the earnings you’ve made.
Not at all. Beans Earn works just like a regular finance app.
You tap to move money in and out, and watch your balance grow — powered by blockchain, but without needing to understand it.
Yes. Your money stays in a wallet that only you control. Beans cannot access, move, or freeze your funds — ever.
Your money doesn’t go to Beans—we can’t touch it. Instead, it’s held in a secure automated system (called a smart contract) that follows strict rules and runs without human intervention.
Every borrower locks up more value than they borrow.
If they can’t repay, their collateral is automatically sold to cover the loan. A reserve fund provides an additional layer of protection.
Can I lose money with Beans Earn?
Beans Earn isn’t a traditional savings account, so there’s always some level of risk. That said, your money is protected in several ways:
• Borrowers must lock up more than they borrow
• The system is audited by independent experts
• A reserve fund is in place for added protection
We’ve built strong safeguards—but as with any investment, returns aren’t guaranteed. Only deposit what feels right for you.
Beans Earn uses smart contracts from Blend Capital, a lending protocol built on the Stellar blockchain. These contracts are integrated and managed via Defindex, a strategy layer that automates how funds are deployed.
To protect users:
While no system is risk-free, the platform relies on tested infrastructure, industry-standard
Not for using Earn.
However, if you fund your account through a bank transfer or cash deposit, you’ll need to complete a quick identity check.
If you deposit using cryptocurrency, no KYC is required.
Beans Earn is a non-custodial interface offered by Beans BV in the Netherlands. We never hold users’ assets or private keys and therefore do not provide “custody of crypto-assets on behalf of third parties” as defined in EU MiCA Article 3.
Your money is never held by Beans.
It stays in smart contracts that live on the blockchain — so even if the Beans app went offline, you could still access your funds using your keys.
To see what you earned so far you can navigate to your earn balance and click on the APY icon showing the actual rate. Clicking here will pop-up your total rewards from day 1.
While Beans Earn is built with strong protections, no investment is risk-free.
Risks include changes in market conditions, price drops in the assets used as collateral, or technical issues in the system. Beans Earn mitigates these, but they’re not eliminated. Never deposit more than you can afford to lose. Beans Earn is not a savings account, and it’s not government-insured.