Xverse Earn
Earn yield on Bitcoin and stablecoins, borrow against your holdings, and access the most trustless earning opportunities across Bitcoin L1, Stacks, and Starknet. Fully self-custodial DeFi banking in your pocket.
Available on Android, iOS, and Chrome.
Bitcoin Staking. Real BTC Yield from Proof of Transfer.
Earn real Bitcoin rewards from Proof of Transfer miners on Stacks. Miners spend BTC, roughly every ten minutes, to compete for the right to produce a block. That spent Bitcoin is routed to participants who help secure the network. The yield is transferred miner spend. It is not token emissions, not interest from a lending desk, and not inflationary.
You commit Bitcoin (as sBTC today, native BTC on L1 later) and pair it with a small amount of STX worth approximately 5% of your Bitcoin value. The STX establishes eligibility and earns nothing itself. 100% of the yield accrues to the Bitcoin side. Target of approximately 3% APY. Rewards distribute every two weeks in sBTC and arrive automatically. Nothing to claim. No slashing. Principal is never impaired by protocol behavior. Only yield varies.
Phase 1 (sBTC Pool Staking) ships now. You deposit sBTC and STX together in a single transaction into a pool contract. sBTC is Bitcoin on Stacks, backed 1:1 and redeemable for BTC, secured by a signer federation. Each bond runs for six months. You can withdraw your sBTC before maturity following Stacks reward cycles. Your paired STX stays locked for the full bond term. Deposit windows open roughly six days each month. Genesis Bond opens approximately September 2026.
Phase 2 (Native L1 Bitcoin Staking) comes later. Your BTC is timelocked directly on the Bitcoin blockchain via P2WSH and OP_CLTV, under your own keys. No bridge, no wrapper, no trust assumption beyond Bitcoin itself. The fully sovereign path to earning Bitcoin on Bitcoin.
Private Bitcoin Yield on Starknet.
Starknet is a zero-knowledge rollup that settles to Ethereum and is building a trustless bridge to Bitcoin. For Bitcoin holders, the key property is privacy: ZK-STARK proofs let you stake, earn, and transact without exposing your balance, yield, or activity onchain. No other Bitcoin L2 offers this. Xverse is the first Bitcoin neobank to integrate Starknet natively, giving users access to private DeFi from the same app where they hold BTC.
Stake strkBTC (Native). strkBTC is bridged Bitcoin on Starknet. When you stake through the native Xverse integration, your entire position is ZK-shielded: your deposit amount, accumulated yield, and transaction history are not visible to anyone observing the chain. This is not mixing and not obfuscation. It is mathematical privacy guaranteed by zero-knowledge proofs. Rewards are paid in STRK. No other Bitcoin staking product in the market offers position privacy by default.
Stake strkBTC (Liquid via Endur). The liquid option, powered by Endur on Starknet. Your staked strkBTC stays liquid. You receive a receipt token usable across Starknet DeFi while your underlying position continues earning. You are not choosing between earning and using your capital. You do both. No lock-up period. Withdraw at any time. Rewards accrue as strkBTC.
wBTC Staking on Endur. Already holding wBTC? Stake it on Starknet through Endur and earn yield without converting to another Bitcoin derivative. Same liquid staking mechanics: no lock-up, composable across Starknet DeFi, rewards accrue automatically.
More Ways to Earn on Bitcoin.
Stake & Bake (Lombard). Stake BTC through Lombard and receive LBTC, a liquid Bitcoin staking token. Lombard lets holders put their BTC to work across DeFi while maintaining full exposure to Bitcoin price. LBTC accrues staking rewards while remaining usable as collateral or in liquidity pools. Accessible directly from Xverse Earn.
Stake STX. Stack STX tokens through Xverse's delegated, non-custodial stacking pool and earn Bitcoin rewards. This is the original Stacks yield mechanism. Miners spend BTC to produce blocks, and that spent BTC is routed to STX stackers. The minimum is 500 STX, your tokens never leave your vault, and BTC rewards are distributed at the end of every two-week reward cycle. No slashing. One of the oldest and most battle-tested ways to earn Bitcoin in DeFi.
Put Your Stablecoins to Work.
Turn static stablecoins into active capital. Xverse lets you generate yield on USDC and other stablecoins through audited lending protocols on Starknet, and it compounds automatically without intermediaries.
Lend USDC. Lend USDC on Starknet through Prime (Vesu) and earn USDC yield. Your capital is deployed into audited lending pools where borrowers pay interest. Returns accrue automatically to your position.
Hold USDB. USDB is a yield-bearing stablecoin on Starknet via Prime (Vesu). Simply holding USDB in your Xverse vault generates passive returns. No staking, no locking, no claiming. Just hold it.
Borrow and Spend. Never Sell.
Most people sell their crypto to spend it. Xverse lets you borrow USDC against your Bitcoin to access liquidity while keeping your position intact. Your stack stays whole, you skip the taxable sell event, and you still get to use your money in the real world.
Lock BTC as collateral. Draw USDC. Repay on your own terms. This is the core financial primitive that makes Xverse a Bitcoin bank, not just a vault for storing BTC.
The Entire Bitcoin Yield Landscape in One App.
Bitcoin DeFi is growing fast, but using it still means juggling dozens of apps, bridges, and interfaces. Xverse pulls it together.
BTC staking via Protocol Bonds on Stacks. Private yield on Starknet via strkBTC. Liquid staking through Endur and Lombard. Stablecoin lending through Vesu. Borrowing against your BTC. STX stacking for BTC rewards. Each layer adds capability, and Xverse brings them all into a single portfolio view.
Browse positions and strategies with full visibility into how each one works before committing. All from one self-custodial app, on any device, 24/7.
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