How Earn works
Earn puts money you choose into audited DeFi vaults and pays you what those vaults pay. It is optional, you decide how much goes in, and you can take it out.
Where the money goes
Nothing is handed to a person. Money you put into Earn goes into third-party vaults that have been audited, and it earns whatever those vaults are earning at the time.
Artisan does not lend your balance, does not pool it with other members and does not promise a return on it.
What it pays
The rate is variable. Artisan does not set it, it moves as the vaults move, and it can go to zero.
The Earn screen in the app shows the rate as it stands. This page carries no number, because any number written here would be older than the one on that screen.
Artisan takes a share of what you earn. That share is how the feature pays for itself.
The risk, stated plainly
Your capital is at risk. Earn is not a savings account, not a deposit, not interest paid by Artisan, and not insured by the FDIC, the NCUA or the SIPC.
A vault can fail. An underlying protocol can fail. You can lose some or all of what you put in, and no part of that loss is covered by anyone.
Stopping
Withdraw in the app whenever you want. There is no lock and no notice period.
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