What is VALR Earn?
VALR Earn is a single, consolidated, dashboard designed to bring all your crypto reward options in one place. Instead of moving funds between external wallets, tracking different blockchain lockup periods, or navigating separate menus, you can now grow your portfolio using three distinct reward-generating products directly from your VALR app or website.
What are the 3 ways to grow my crypto on VALR Earn?
Your Earn dashboard gives you access to three individual yield products:
- Steady Returns (Staking): Earn rewards directly by staking your cryptocurrency on different blockchains whilst securing their networks.
- On-Chain Earn (previously known as DeFi Lending): Access institutional-grade Decentralised Finance (DeFi) yields powered directly by the Aave protocol.
- Variable Earn (previously known as Lending): Earn rewards by lending your idle crypto or fiat directly into VALR’s order book.
How does Steady Returns (Staking) work?
Steady Returns lets you participate in on-chain staking opportunities whilst keeping your assets secure.
When you use Steady Returns, you are participating in blockchain consensus networks (like Solana or Avalanche). Traditionally, staking requires deep technical knowledge and locks up your crypto for days or weeks. VALR simplifies this by allowing immediate allocations and unlocks. You receive your hourly staking rewards distributed directly to your wallet while retaining the ability to allocate or unlock funds seamlessly.
What is On-Chain Earn, and how does it connect to Aave?
On-Chain Earn allocates your funds directly to the Aave Protocol.
When you supply assets to On-Chain Earn, VALR securely routes those funds directly into Aave, one of the largest DeFi protocols globally. You earn decentralised market yields without ever needing to worry about gas fees, smart contract interactions, or managing external wallets.
How does Variable Earn work?
Variable Earn matches borrowers and lenders directly on the VALR platform. Your funds are lent to traders on the platform who borrow them to trade with leverage. The rewards you earn depend on market demand.
- In order to lend on VALR, you select an available asset to lend, specify the amount, and set your desired interest rate.
- Hourly auctions match lenders with borrowers, and if your offer is competitive and meets demand, your assets will be lent. All lenders earn the same hourly interest rate, which is the maximum rate offered by lenders each hour which fully covers the demand to borrow on VALR.
- Keep in mind that if your rate is higher than those included in the auction, your assets may not be utilised.
Can I withdraw or unlock my funds at any time?
Flexibility is built right into the Earn dashboard:
- Steady Returns and On-Chain Earn: Generally offer high flexibility, allowing you to request an allocation or unlock instantly.
- Variable Earn: Unlocking your Variable Earn funds that are utilised may take up to an hour due to hourly auctions.
Are there any fees or minimum amounts required?
There are no upfront fees for Earn products. Minimum asset amounts do apply depending on the specific cryptocurrency and product type you choose. If your entry amount falls below a specific threshold, the system will instantly guide you on-screen with the correct amount needed to proceed. You can also Buy and Sell your cryptocurrencies to achieve the correct minimum.
Where can Earn be found on VALR?
You can find the Earn dashboard by navigating the VALR website or app as indicated below, or by accessing the link here.
Steps to access Earn on the VALR website:
- Log in to your VALR account.
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Click on the "Earn" drop down menu from the web.
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Click on "Overview" to access your personalised Earn dashboard.
Steps to access Earn on the VALR app:
- Log in to your VALR account.
- Click on the "Home" button in the bottom left corner in the app.
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Click on the "Earn" icon found under your “Portfolio balance” tab to access your personalised Earn dashboard.
Is utilising VALR Earn risky?
While VALR carefully curates every feature on the platform, all digital asset yield solutions carry inherent market risks. These include blockchain network stability (for Steady Returns (Staking)), external smart contract exposure (for On-Chain Earn), and borrower risk (for Variable Earn). To mitigate this, VALR utilises over-collateralisation and real-time automated liquidation systems for our lending books. We encourage all users to review our official Risk Disclosure and Terms of Service before allocating funds.