Cookie Settings
close

Earn up to

10%*

APY on USDC

Zero gas. No lock-ups. Non-custodial.

*APY varies based onmarket conditions. Capital at risk.
Loading logos...
>150k users
and growing fast
2 audits
by leading security firms
40+ million
in funds handled

DeFi Yield Without the Defi Headache

No gas fees
We cover network costs, so every cent you earn stays yours.
Up to 10% yield
Market-driven yield on USDC / EURC, paid and compounded daily.
Tap-and-earn UX
Deposit, tap Earn, done. Withdraw anytime, no minimums.
It’s simple. It’s transparent. And it works.

How it works

Fund

Send USDC from Coinbase / Binance or buy in-app via bank, card and even cash.

Activate Earn

Activate your earn balance, funds in earn are inside a fully collaterized DeFi lending pool.

Deposit to Earn

Deposit to your earn balance without fees and watch your balance grow.

Takes 60 seconds.

26 USD
Welcome bonus

Earn up to 26 USD in bonuses if you deposit by bank or in cash.

1

Deposit
money

Deposit $100 or more and earn $10

2

Send
money

Send $1 to anyone and earn $1

3

Request
money

Request $1 from a friend and earn $1

4

Invite
friends

Invite 2 friends and earn $2

5

Deposit
money

Deposit $1000 or more and earn $15

Complete all tasks to earn a total of $26!

Give it a try now!

Check the Terms & Conditions here

Security and Self custody

Non-custodial
You hold the keys; Beans nor anyone else can touch your funds.
Twice-audited smart contracts
We are integrated with the Blend lending and borrowing protocol, which was audited twice, by two leading security firms.
No gas and fast transactions
We sponsor your gas fees and by building on Stellar, transactions are lightning fast.

See how your money grows with Beans Earn

Discover how compounding APY can boost your wealth, from today to 40 years in the future. Watch your money grow each day, with no restrictions, no caps, and no unexpected charges. Maintain control, withdraw whenever you wish, and let your earnings work for you.

APY varies, capital at risk.
10
Initial deposit
-
100
+
Monthly contribution
-
100
+

Check the current APY % in the app!

In 20 years you will have

Total

+getal
+getal
earned

What our users say

"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."

Digital Marketing Specialist, France

"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."

Senior Software Engineer, United States

"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."

Data analyst, South Africa

AWARD WINNING

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.

Partner
Official MoneyGram integration partner
3x Winner
Winner of Stellar Community Fund

Frequently
Asked questions

What exactly is Beans Earn?
Cookie Settings
close
How can you pay up to 10 % when banks pay 1–2 %?
Cookie Settings
close
Where does the yield come from?
Cookie Settings
close
Is 10 % APY guaranteed?
Cookie Settings
close
How often are earnings paid?
Cookie Settings
close
What currencies can I deposit?
Cookie Settings
close
Can I withdraw anytime?
Cookie Settings
close
How do withdrawals work?
Cookie Settings
close
Do I need crypto knowledge?
Cookie Settings
close
Do I remain in self-custody?
Cookie Settings
close
Is my money safe?
Cookie Settings
close
What if a borrower doesn’t pay back?
Cookie Settings
close
Can I lose money with Beans Earn?
Cookie Settings
close
How safe are the smart contracts?
Cookie Settings
close
Is KYC required?
Cookie Settings
close
Where is the company regulated?
Cookie Settings
close
What happens if Beans Earn disappears tomorrow?
Cookie Settings
close
How can I track my performance?
Cookie Settings
close
What risks should I know about?
Cookie Settings
close
Terms & Conditions