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Stablecoin Earn Product Terms: Flexible, Locked, Staking and Dual Investment
They all advertise an APY, and all four hand you back something different. This section does one job: turn the terms into plain language.
Read this one first
- The complete guide to stablecoin yield: which tier can shrink your principal, who actually pays the interest, how the four product types differ structurally, and the three layers of risk ranked by how likely they are. The longest piece here, and the backbone for everything else.
One tier at a time
- Can you always exit Flexible, and what early exit costs, the three redemption rule types compared by real cost, and what still stands between redeeming and having spendable money.
- Locked pays a bit more — how long should you lock for, convert the spread into an amount first, then decide whether to give up liquidity.
- Dual Investment isn't savings, it's an option you sold — where the high APY comes from, and what to do once you've been converted.
- USDT, USDC or FDUSD — which one to hold, three axes for judging it: issuer, reserve composition, regulatory environment.
Tools that go with this
To filter straight down to the tiers that fit your constraints, use the product rule cheat sheet; to turn the interest into an actual number, use the interest estimator.