BenPay official

If you are searching for a safer way to access on-chain yield while avoiding risks such as token price volatility, complex DeFi mechanics, and high-risk long-tail assets, you are not alone. Most users want consistent returns without exposing their assets to unstable yields or opaque protocol risks. BenPay DeFi Earn is designed specifically for this need—providing a security-first way to access on-chain yield with simplified operations.
Why Traditional DeFi Yield Is Risky for Most Users
Traditional DeFi yield products often rely on volatile governance tokens and liquidity incentives, exposing users to constant price fluctuations and the risk of impermanent loss.
In practice, earning yield usually means manually interacting with multiple DeFi protocols, paying high gas fees, and executing complex on-chain transactions, while the actual source of returns is not always clearly explained.
Taken together, these factors increase operational complexity and risk, making it difficult for most users—especially beginners — to participate in on-chain yield in a sustainable and controlled way.
BenPay DeFi Earn: A Safer Approach to DeFi Yield Access
BenPay DeFi Earn is built as a self-custodial on-chain tool that reduces operational and asset-level risk by integrating only blue-chip protocols and providing clear, on-chain visibility into how funds are deployed.
Curated Blue-Chip Protocols with Audited Security
The platform integrates only well-established, blue-chip DeFi protocols, filtering out high-risk, long-tail assets. All smart contracts have been audited by SlowMist, ensuring a transparent and security-focused yield environment.
Institutional Backing and Strong Project Foundations
BenPay DeFi Earn is incubated and backed by BIXIN Ventures, providing a solid foundation and additional confidence in the project’s long-term development and fund security.
One-Click Participation Mechanism for Beginner-Friendly DeFi Yield
With a single click, users can access on-chain yield without manually managing cross-chain transfers or token swaps, significantly reducing complexity and saving time.
Combined with transparent yield reporting, flexible redemption options, and an automated compounding mechanism that reinvests returns without additional gas costs, BenPay DeFi Earn makes on-chain yield more controllable, more reassuring, and better suited for long-term participation.
BenPay DeFi Earn vs. Traditional DeFi Yield

How Does BenPay DeFi Earn Work?
User Wallet → BenPay DeFi Earn → Curated DeFi Protocols → On-Chain Yield → Redemption
No asset custody by BenPayOne-click operationTransparent yield sources and risk disclosuresSupports cross-chain stablecoin deposits (Ethereum, Solana, Tron, BSC, Polygon, Arbitrum, etc)
Who Should Use BenPay DeFi Earn?
BenPay DeFi Earn enables users to access passive on-chain yield with just one click, significantly simplifying cross-chain transfers and asset swaps. Reducing operational complexity and costs helps users manage yield more efficiently. It is perfect for:
Stablecoin holders seeking predictable on-chain yieldDeFi beginners wanting an easy, intuitive startLong-term users who value capital safety, transparency, and self-custody
Reducing operational complexity and costs helps users manage yield efficiently, making it a natural choice for anyone looking for secure passive income with stablecoins.
FAQ – Safe On-Chain Yield with BenPay DeFi Earn
Q1: Is BenPay DeFi Earn safe for beginners?
Yes. It uses audited smart contracts, only integrates blue-chip protocols, and provides a one-click, user-friendly interface.
Q2: Which stablecoins are supported?
USDT and USDC cross multiple chains, including Ethereum, Solana, Tron, BSC, Polygon, and Arbitrum.
Q3: How are returns compounded?
Returns are automatically reinvested without additional gas fees, simplifying management and reducing operational risk.
Q4: Can I earn passive income without complex DeFi steps?
Yes. The one-click mechanism allows users to access yield without manual swaps or cross-chain management.
Q5: Which protocols does BenPay integrate for stablecoin yield?
Only audited, blue-chip DeFi protocols (Solana, AAVE, Compound, Morpho, Sky, Ethena) are used, reducing exposure to high-risk assets.
Start Earning On-Chain Yield More Safely
If you are ready to earn an on-chain yield more safely, BenPay DeFi Earn offers a secure and user-friendly starting point.
Explore BenPay DeFi Earn now and turn your stablecoins into sustainable on-chain income.
#BenPay #defi

A Detailed Explanation of BenPay's Self-Custody and Fund Security Mechanism
The security of an on-chain yield card fundamentally hinges on three elements: whether assets are under user self-custody, whether fund flows are fully verifiable on-chain, and whether the yield strategy originates from secure and transparent curated protocols. The BenPay On-Chain Yield Card achieves the unification of secure yield generation and instant spending through its "self-custody" architecture and the automated execution of on-chain smart contracts, while ensuring users' absolute asset control. This article aims to objectively analyze the security design of the BenPay On-Chain Yield Card, covering its self-custody principles, smart contract guarantees, and the risk control logic behind its curated yield strategies.
I. The Core Security Foundation: The Essential Difference Between Self-Custody and Traditional Custody
The security cornerstone of the on-chain yield card is self-custody. This means private keys are entirely user-controlled, and assets always reside in the user's personal blockchain address; the platform cannot access them. This is fundamentally different from entrusting assets to a centralized platform, as detailed in the comparison below:

II. In-Depth Security Mechanisms: How the On-Chain Yield Card Safeguards Funds and Yield
II.1 Technical Foundation: Smart Contracts Ensure Process Security
Fund security is automatically guaranteed by audited, public on-chain smart contracts, with a transparent and verifiable process:
Deposit & Lock: When a user deposits stablecoins, the funds are locked in a public smart contract.Strategy Execution: After enabling interest generation, the contract automatically deploys card accounts' idle balances to rigorously vetted mainstream DeFi yield protocols.Yield Compounding: Generated interest is automatically credited to the contract balance, enabling reinvestment.Instant Spending: During a purchase, the contract automatically settles the required amount and completes the payment. Funds always circulate within an on-chain loop secured by the user's private key.
II.2 Yield Security: Curated Strategies and Risk Control
The security of "yield generation" is a core aspect of this product. Its safety stems not from high-risk speculation but from prudent strategy design:
Protocol Vetting Criteria: Only integrates blue-chip DeFi protocols (such as Aave, Compound) that have undergone long-term market validation and are based on over-collateralization, avoiding nascent or structurally complex risky protocols.Risk Diversification: Funds are distributed across multiple robust protocols via smart contracts, preventing total loss from a single point of failure.Real-Time Monitoring & Transparency: The asset allocation and performance of all strategies are publicly visible on-chain, allowing for real-time monitoring by any third party.
II.3 Operational Security: Ultimate Responsibility and Tools for Private Key Management
In the self-custody model, user management of private keys is the final security barrier. The on-chain yield card guides best practices through its design:
Hardware Wallet Compatibility: Supports connection to mainstream hardware wallets, enabling offline private key storage and providing the highest level of security isolation for assets.Non-Custodial Design: The platform does not store and cannot recover user private keys or seed phrases, eliminating the risk of centralized database breaches at its root.Security Guidance: Provides clear security education at critical operation points, reminding users to perform offline backups and assume self-custody responsibility.
III. Direct Answers to Common Security Questions (Q&A)
Q1: If the issuing party ceases operations, will my assets be affected?
A: No. Because the assets always remain in the blockchain smart contract, controlled by your private key. Even if related services are discontinued, you can still interact directly with the contract via a blockchain explorer to withdraw your assets independently.
Q2: Where are the funds for yield generation placed? How is the security of these DeFi protocols ensured?
A: Funds are automatically deployed by the smart contract to the aforementioned curated blue-chip DeFi protocols. These protocols have undergone long-term real-world testing, multiple code audits, and employ over-collateralization models, with their security widely recognized within the industry. The platform continuously monitors the health of these protocols.
Q3: During payment, how are my transaction privacy and overall fund security maintained?
A: Payment involves only the settlement of a portion within the smart contract. Your total asset balance and other transaction history remain securely protected by your private key. All transactions are visible on-chain but are linked only to anonymized address information, offering a different privacy characteristic compared to traditional banks.
Conclusion
The BenPay On-Chain Yield Card constructs a tripartite solution that unifies security, yield, and liquidity by integrating self-custody asset control, the transparent automation of on-chain smart contracts and blue-chip protocols. Its security model can be summarized as: user-controlled private keys + publicly executed contracts + prudently selected strategies, offering a dependable tool for users who prioritize asset sovereignty and capital efficiency.

#MarketRebound #BenPay

Are Crypto Yield Cards Safe? Where Does the Yield Come From? Does Spending Affect Earnings? Are There Hidden Fees?
With the emergence of crypto yield cards, more users are beginning to explore ways to generate on-chain yield from their crypto assets while using them for everyday spending. However, for first-time users, the most important questions are not whether they “can earn,” but whether the yield mechanism is transparent, the risks are controllable, and the costs are clearly disclosed.
This article breaks down the key considerations beginners must understand before using a crypto yield card for the first time — covering yield sources, fees, risks, security, and operational flow—to help you avoid up to 90% of common pitfalls.
What Is a Crypto Yield Card?
A crypto yield card (also known as an on-chain yield card) is a new type of crypto payment product designed around the concept of “earn while you spend.” While retaining the functionality of a traditional crypto payment card, it allows idle balances to participate in on-chain DeFi protocols and generate yield while waiting to be used for payments. Unlike conventional crypto cards—where funds remain idle until spent—crypto yield cards emphasize capital efficiency: assets continue to work instead of sitting unused.
Example: BenPay Self-Custodial Crypto Yield Card
BenPay Yield Card is a Web3 crypto payment card you can earn while you spend, built on self-custodial architecture, with verifiable on-chain yield.
Key features include:
Self-custody Web3 model: users retain private keys, with full control over assetsCard account balances can be activated for earning coins with a single click (requires user initiation)Curated blue-chip DeFi protocols, yielding annualised returns starting from 3% (non-fixed, non-guaranteed)Daily spending does not affect yield-earning status (card account balance used for earning, card balance used for spending)Returns are settled daily with on-chain transparency; automatically compoundable or redeemable at any time
What Do Beginners Care About Most?
For novices encountering crypto yield cards for the first time, the real concern is seldom whether profits can be made, but rather whether the revenue logic is transparent, usage costs are manageable, and potential risks are disclosed upfront. Centred around these core questions, users typically focus on the following aspects:
Do I retain control over my funds?Is the source of returns transparent and reliable?Is it secure, and are there any hidden risks?What are the fees like?Is it straightforward to operate?
Addressing these key points can help newcomers get started safely and avoid pitfalls.
Key Point One: Is the fund self-custodied? This is the first threshold.
The aspect most easily overlooked by novices is control over funds.
Take BenPay Card as an example: it employs a self-custodied Web3 model where users hold their own private keys, granting them complete control over funds with zero platform interference. All fund flows can be verified on-chain, a feature of particular importance for beginners.
Key Point Two: Where does the revenue from crypto mining cards originate? Is it transparent and reliable?
This is the second key point for novices to determine whether a yield-generating card is ‘reliable’. The returns from such cards do not originate from ‘platform distributions’, but rather from on-chain DeFi protocols.
Taking the BenPay Card as an example, once a user activates yield generation, the card account balance participates via smart contracts in security-audited blue-chip DeFi protocols.
It is crucial to emphasise:
Returns are neither fixed nor guaranteedMarket volatility and protocol risks existWhile smart contracts undergo audits, this does not equate to zero risk
Key Point Three: Are crypto mining cards secure? Are there any hidden risks?
It must be made clear that even audited on-chain protocols do not equate to zero risk. Potential risks include:
Smart contract vulnerabilitiesProtocol liquidation or liquidity risksSignificant market volatility
Products such as BenPay explicitly display risk warnings before users activate coin earning, emphasising that returns are neither guaranteed nor assured. Users may choose whether to participate at any time.

Key Point Four: What about the fees? Are there any hidden costs?
The true cost of earning-coin cards extends beyond the annualised yield figures.
A point often overlooked by newcomers is that multiple fees may arise during actual usage, such as:
Gas fees incurred for on-chain transactionsCross-chain deposit or withdrawal costsService fees or monthly charges associated with different card types
Taking the BenPay Card as an example, distinct card variants offer variations in deposit methods, monthly fees, and usage scenarios. With transparent fee structures, users can select the most suitable plan based on their spending frequency and usage requirements.

Key Point Five: Is the operation straightforward? Can novices get started without difficulty?
For novices, even the safest products can lead to errors if their operation is overly complex. A qualified earning card should:
Require no understanding of complex DeFi protocolsClear activation and deactivation of yield farming logicTransparent display of earnings, balances, and transaction history
Taking the BenPay Card as an example, users simply activate the yield farming feature after acknowledging risks. The system then handles subsequent operations via smart contracts, with earnings and fund status viewable on-chain. Novices need not engage in frequent manual management.

Quick Checklist for Beginners to Avoid Pitfalls
For newcomers, the key considerations when selecting a crypto card are: whether it offers self-custody, whether returns are transparent, whether risks are clearly stated, whether fees are explicit, and whether operations are controllable. Before using a crypto card for the first time, you can quickly cross-reference the following checklist:
Self-custody status: Are private keys held by you, and are funds on-chain and traceable?Clarity of revenue sources: Are they transparent and verifiable on-chain?Clear risk disclosure: Is risk explicitly highlighted?Frequency of on-chain operations: Are frequent on-chain actions required, and are clear operational instructions provided?
Conclusion: What kind of user is suited to the Crypto Yield Card?
The Crypto Yield Card is not a ‘get-rich-quick scheme’, but rather a novel approach to asset utilisation: it ensures your assets remain actively deployed during your spending period, rather than lying idle, continuously generating returns through a relatively stable appreciation mechanism.
It is more suitable for:
Those seeking to simplify on-chain operationsIndividuals prioritising a stable experienceUsers wishing to generate additional value from idle funds
It is not suitable for:
Those pursuing high leverage or short-term high returnsIndividuals frequently engaging in high-risk DeFi operations
For novices, understanding the mechanisms, managing expectations, and prioritising risk awareness will always be more important than any return figures.
#MarketRebound

With more and more merchants and payment networks accepting cryptocurrency assets, crypto payment cards are gradually evolving from "whether they can be used" to "how to use them more efficiently". In this process, crypto cashback cards and crypto yield cards (also known as on-chain yield cards) have become the two most commonly compared products by users.
They all seem to be able to "generate profits while being used", but the essential differences are very obvious in the sources of income, risk structure, asset control, and target audience. This article will focus on comparing these key points and using the BenPay Card as a specific case for analysis.
Crypto Cashback Card vs. Yield Card: What Is the Essential Difference?
The crypto cashback card is based on the premise of "completing the consumption", and returns cash, tokens, or points in proportion after the transaction occurs; without consumption, there is usually no income. The crypto yield card is based on "asset balance". After the user actively activates the earning function, the funds participate in the on-chain DeFi protocol through smart contracts. Even if there is no consumption, the idle balance may continue to generate income. Essentially, the cashback card is a consumption incentive tool, while the yield card is an asset efficiency tool.
Core Comparison Between the Crypto Cashback Card and the BenPay Yield Card
Taking BenPay yield card and common cashback crypto card as examples, the differences between the two types of products are mainly reflected in the following aspects:Yield Model
BenPay Yield Card:
Utilizes a self-custodied Web3 on-chain yield mechanism. Card account balances can participate in on-chain yield strategies, with annualized returns starting from 3% (actual yield levels depend on the selected on-chain protocols and prevailing market conditions). Yields are settled in real time, and funds can be withdrawn or spent at any time.
This model is built on blockchain technology and DeFi protocols in a fully decentralized manner, ensuring transparency and security while avoiding reliance on centralized intermediaries.Traditional Crypto Cashback Card:
Relies on cashback programs, returning a certain percentage of spending in cash or reward points. Cashback typically comes with caps, and the reward rates are generally modest.
This model does not involve blockchain-based or decentralized yield strategies and, therefore, cannot generate additional returns through on-chain protocols.
Risk Management
BenPay Yield Card:
Risks primarily arise from fluctuations in DeFi protocols and changing market conditions. To mitigate these risks, the platform selects established blue-chip DeFi protocols and applies multiple security measures, such as smart contract audits and on-chain self-custody.
User assets remain under self-custody at all times, with private keys fully controlled by the user, ensuring complete ownership and control.Traditional Crypto Cashback Card:
Generally considered lower risk, with risks mainly related to card security and the financial stability of the card issuer or partner banks. Since cashback rewards depend on merchant partnerships and card limits are subject to bank approval, users have limited control over fund security and risk management.
Asset Control
BenPay Yield Card:
Users retain full control over their assets through a self-custody model. Private keys are held by the user, and all actions—such as deposits, withdrawals, or yield claims—require user authorization. Card balances remain fully under user control, minimizing reliance on third parties.Traditional Crypto Cashback Card:
Card issuers maintain significant control. Spending limits, cashback structures, and reward rules are determined by the issuing institution.
Users do not have full custody of their funds, and card usage terms may be affected by policy or regulatory changes from banks or payment providers.
Value Accrual & Payment Functions
BenPay Yield Card:
Supports both on-chain yield generation and global payments. Funds can be used for everyday spending while simultaneously participating in on-chain value accrual.
Card balances can earn yield through DeFi protocols and be flexibly transferred for payments.Traditional Crypto Cashback Card:
Rewards are primarily provided through spending-based cashback. This model does not support asset yield generation and is limited to consumption-driven incentives.
If a user’s primary needs are global payments and asset value growth, the BenPay Yield Card offers greater flexibility and long-term value accrual potential. If the user prefers immediate spending rewards, a crypto cashback card may be a better fit. Each option serves different priorities, and the choice ultimately depends on the user’s preferences regarding payment methods, asset value growth, and spending rewards.

Yield Model
BenPay Yield Card:
Utilizes a self-custodied Web3 on-chain yield mechanism. Card account balances can participate in on-chain yield strategies, with annualized returns starting from 3% (actual yield levels depend on the selected on-chain protocols and prevailing market conditions). Yields are settled in real time, and funds can be withdrawn or spent at any time.
This model is built on blockchain technology and DeFi protocols in a fully decentralized manner, ensuring transparency and security while avoiding reliance on centralized intermediaries.Traditional Crypto Cashback Card:
Relies on cashback programs, returning a certain percentage of spending in cash or reward points. Cashback typically comes with caps, and the reward rates are generally modest.
This model does not involve blockchain-based or decentralized yield strategies and, therefore, cannot generate additional returns through on-chain protocols.
Risk Management
BenPay Yield Card:
Risks primarily arise from fluctuations in DeFi protocols and changing market conditions. To mitigate these risks, the platform selects established blue-chip DeFi protocols and applies multiple security measures, such as smart contract audits and on-chain self-custody.
User assets remain under self-custody at all times, with private keys fully controlled by the user, ensuring complete ownership and control.Traditional Crypto Cashback Card:
Generally considered lower risk, with risks mainly related to card security and the financial stability of the card issuer or partner banks. Since cashback rewards depend on merchant partnerships and card limits are subject to bank approval, users have limited control over fund security and risk management.
Asset Control
BenPay Yield Card:
Users retain full control over their assets through a self-custody model. Private keys are held by the user, and all actions—such as deposits, withdrawals, or yield claims—require user authorization. Card balances remain fully under user control, minimizing reliance on third parties.Traditional Crypto Cashback Card:
Card issuers maintain significant control. Spending limits, cashback structures, and reward rules are determined by the issuing institution.
Users do not have full custody of their funds, and card usage terms may be affected by policy or regulatory changes from banks or payment providers.
Value Accrual & Payment Functions
BenPay Yield Card:
Supports both on-chain yield generation and global payments. Funds can be used for everyday spending while simultaneously participating in on-chain value accrual.
Card balances can earn yield through DeFi protocols and be flexibly transferred for payments.Traditional Crypto Cashback Card:
Rewards are primarily provided through spending-based cashback. This model does not support asset yield generation and is limited to consumption-driven incentives.
If a user’s primary needs are global payments and asset value growth, the BenPay Yield Card offers greater flexibility and long-term value accrual potential. If the user prefers immediate spending rewards, a crypto cashback card may be a better fit. Each option serves different priorities, and the choice ultimately depends on the user’s preferences regarding payment methods, asset value growth, and spending rewards.

How to Choose: BenPay Yield Card or a Crypto Cashback Card?
When choosing between the BenPay Yield Card and a crypto cashback card, users can make a decision based on their own needs. Each option has its own strengths and is designed for different use cases.
If you prioritize instant cashback, low learning cost, and pure spending rewards, a crypto cashback card may be more suitable.If you value asset ownership, on-chain transparency, and long-term asset efficiency, the BenPay Yield Card is likely the better choice.
Payment Compatibility
BenPay Yield Card: Supports global payments for both online and offline use, making it suitable for a wide range of payment scenarios worldwide.Crypto Cashback Card: Also supports global payments, but may face certain limitations depending on partner merchants or payment channels, subject to the issuing institution.
Spending Limits
BenPay Yield Card: Some card tiers offer relatively higher spending limits, making them suitable for frequent spending or large payments, especially in scenarios such as business travel.Crypto Cashback Card: Typically comes with spending limits, particularly for new users or users with lower credit profiles, who may find it harder to obtain higher limits.
Reward Model
BenPay Yield Card: By allocating the card account balance into on-chain yield mechanisms, users can earn returns while spending. This model is suitable for users who wish to improve asset efficiency through on-chain yield participation.Crypto Cashback Card: Primarily relies on spending-based cashback. Cashback rates are usually modest and often capped, focusing on immediate rewards rather than long-term asset growth.
Cross-Chain Operations and Fees
BenPay Yield Card: Supports multiple blockchains, allowing users to choose the most suitable network based on their needs, potentially lowering transaction fees and increasing operational flexibility.Crypto Cashback Card: Most rely on traditional payment settlement systems and do not directly interact with on-chain protocols. As a result, they generally do not support cross-chain asset management, offering limited flexibility in on-chain fund usage.
If your primary goal is global payments combined with asset efficiency and long-term value creation, the BenPay Yield Card offers greater flexibility and long-term potential. If you prefer instant consumption rewards, a crypto cashback card may better align with your needs. Ultimately, the choice depends on your preferences regarding payment methods, asset efficiency, and spending rewards.

Who Is the BenPay Yield Card Designed For?
The BenPay Yield Card is not designed solely for crypto enthusiasts—it addresses the needs of multiple user groups. Compared with traditional crypto cashback cards, the Yield Card offers a more efficient and flexible way to grow assets while balancing everyday payments and asset allocation. Specifically, it is well suited for the following users:
• Crypto Beginners
For users who are new to cryptocurrency, the BenPay Yield Card offers a low-barrier entry to on-chain yield generation. Users do not need to understand complex crypto mechanics to benefit from automated value accrual. Once on-chain yield is enabled, the entire process is automated, allowing assets to grow without additional manual operations.
• DeFi Users
For users familiar with DeFi and on-chain strategies, the Yield Card provides a convenient gateway to participate in selected on-chain yield strategies. Unlike traditional DeFi participation, users are not required to actively manage positions. Assets remain liquid while earning yield, making them readily available for everyday spending.
• Cross-Border Business Professionals
The Yield Card supports global payments with high spending limits, making it suitable for frequent travelers and cross-border business users. Whether domestically or overseas, the card integrates seamlessly with mainstream POS terminals and digital payment platforms such as Apple Pay, Google Pay, and WeChat Pay, delivering a smooth and convenient payment experience.
• Long-Term Crypto Holders
For users who believe in the long-term value of crypto assets but still require liquidity, the Yield Card offers an ideal balance. Users can allocate part of their holdings to the card, enabling daily spending while participating in on-chain value accrual—maintaining flexibility without leaving assets idle.
• Traditional Finance Users
Traditional finance users seeking exposure to crypto-based value growth can also benefit from the Yield Card. It provides the same convenience as traditional payment tools, while adding on-chain yield generation and value accrual. This allows users to access crypto-based returns without changing their existing spending habits.
Summary
Crypto cashback cards focus on making spending more rewarding, while yield cards focus on ensuring assets do not remain idle. If your goal is instant rewards and simplicity, a cashback card may be sufficient.
If you place greater emphasis on asset control, on-chain transparency, and long-term value growth, crypto yield cards—represented by the BenPay Yield Card—offer a more suitable choice.

While Decentralized Finance (DeFi) has made earning passive income on stablecoins accessible to everyone, a significant hurdle remains: the constant trade-off between liquidity and utility. Traditionally, if you wanted to earn yield, your funds may be locked away; the moment you needed to spend, your earnings stopped. Most traditional crypto payment card options function as "pass-through" tools that hold your funds in non-interest-bearing accounts, essentially letting your money sit idle and lose value overtime while you wait to swipe.
Imagine a world where your money never stops working for you—where you earn high-interest returns until the very second you pay. This is the era of the On-Chain Yield Card, a new category of crypto payment tool that allows you to "Earn While You Spend." By bridging the gap between on-chain yield investment and daily liquidity, this on-chain solution is fundamentally redefining how Web3 users manage their wealth in the real world.
What is an On-Chain Yield Card?
An On-chain Yield Card is a next-generation crypto payment tool. Beyond the standard spending features of traditional crypto cards, it allows the card balance to participate in on-chain yield strategies. Unlike traditional cards, which act solely as payment gateways where funds remain idle, an on-chain yield card—once the 'earn' feature is activated—allocates funds to DeFi protocols to generate potential returns.
In short: While funds in a traditional crypto card simply sit waiting to be spent, the balance in an On-chain Yield Card captures potential yield while maintaining full liquidity.
How Does an On-Chain Yield Card Work? Where Does the Revenue Come From?
The core of an On-Chain Yield Card lies in its ability to allow card account balances to participate in on-chain yield strategies rather than simply sitting idle awaiting consumption. Unlike a Traditional Crypto Payment Card, once a user actively enables the "Earn" feature, the account balance participates in on-chain DeFi protocols according to preset strategies to seek potential returns. This process is transparent, verifiable, and executed by smart contracts, ensuring users maintain full control over their funds. Please note that yields fluctuate with market volatility, and fixed returns are not guaranteed.
The income generated by these cards typically originates from the following sustainable on-chain sources:
Over-collateralized Lending: The most common source of yield. Assets are provided to decentralized lending protocols such as Aave or Compound. Since borrowers must provide collateral higher than the loan amount, the risk of principal loss is minimized while interest flows back to the depositor.Staking and Network Rewards: For compatible Proof-of-Stake (PoS) assets, yields are earned by participating in the security validation of the blockchain network itself.Liquidity Provisioning: Funds are used to provide liquidity for decentralized exchange (DEX) pools. In return, holders receive a proportional share of transaction fees generated by global trading activity.Tokenized Real-World Assets (RWA): Advanced on-chain solutions are bringing institutional-grade yields—such as tokenized U.S. Treasuries—directly into account balances. This allows users to capture government-backed "risk-free" rates while maintaining 24/7 liquidity.
The entire lifecycle is automated. When a transaction occurs at a Point of Sale (POS), the system triggers "instant" liquidation, redeeming only the precise amount required to settle the payment. The remaining balance continues to generate yield uninterrupted, ensuring your funds are continuously compounding until the very moment of consumption.
On-Chain Yield Card vs. Crypto Payment Card: What’s the Difference?
To understand the difference between a yield card and a Traditional Crypto Payment Card, one must first examine how standard crypto cards work. While they successfully bridge crypto assets with real-world payments, their design prioritizes spending convenience over asset efficiency, leaving idle balances unable to generate yield.
How a Traditional Crypto Payment Card Works?
A Traditional Crypto Payment Card is essentially a "bridge" or "gateway" tool. The process is typically linear: you manually "top up" a custodial wallet where funds sit as "dead assets" until they are converted into fiat at the time of payment. This model forces users to sacrifice yield potential for the sake of spending convenience.
Flaws of Traditional Crypto Payment Cards:
The "Idle Asset" Trap: Most traditional cards require you to deposit funds into a zero-interest wallet. If you keep $5,000 in your card for monthly expenses, those assets are effectively "dead."Yield Interruption: To spend, funds must be moved out of yield-bearing accounts, causing interest generation to stop immediately.Centralization Risk: Most standard cards are custodial. You do not own private keys, and the security of your funds depends entirely on the platform.Invisible Fees: Many traditional cards hide poor exchange rates or high "spreads" when converting cryptocurrency to fiat.
Why the On-Chain Yield Card is Outperforming Traditional Crypto Payment Cards

As the global economy transitions toward a 24/7 digital model, the on-chain yield card represents the future of Web3 payments. It eliminates the outdated practice of ‘parking’ funds in non-interest-bearing accounts. In this new era, holding funds is just as profitable as asset appreciation—giving your daily balance a higher velocity of capital and more generous returns than traditional savings accounts.
BenPay Card: A Web3 On-Chain Yield Card Built for Real-World Use
In the realm of on-chain yield cards, the BenPay Card stands out as a Web3 on-chain yield card specifically designed for modern users seeking security and asset appreciation. BenPay is more than just a payment method; it is a comprehensive asset allocation tool.
BenPay's Innovative Design: On-Chain Yield for Card Account Balances
As a leading on-chain yield card, BenPay Card introduces several advantages:
Self-Custodial Web3 Card: Security is the cornerstone of BenPay. You hold the keys to your financial future, ensuring your assets remain under personal control and free from the risks associated with centralized exchange collapses.Yields on Card Account Balances: This is BenPay’s most powerful feature. When your funds are placed in the ‘Card Account,’ simply toggling the ‘Earn’ button allows your card account balance to immediately start generating on-chain yields.Seamless Spending Management: When you are ready to shop, just transfer the required amount from the ‘Card Account’ to the ‘Card Balance.’ The system deducts the spending amount, while the remaining unused funds in the ‘Card Account’ continue to accrue interest, ensuring uninterrupted yields throughout the process.Daily Settlement: Yields are calculated and settled daily, becoming available for withdrawal or reinvestment to earn compound interest the very next day. You maintain control over your earnings, ensuring your assets always operate at peak efficiency.
How to Apply for Your BenPay Card
Stepping into the future of Web3 payments is effortless. BenPay offers a streamlined onboarding experience, allowing you to activate your on-chain yield card in minutes. Simply visit our official website and click ‘Apply Now’ to request your card and start making your cryptocurrency work for you.

Ready to experience the next generation of financial sovereignty? Follow our Step-by-Step Application Guide to activate your card and start earning while you spend today.
Who Is the On-Chain Yield Card For?
For those who understand the time value of money, an on-chain yield card is the logical choice:
Passive Earners: Ideal for users who want to maximize asset efficiency without having to personally research and manage complex DeFi strategies. BenPay automates heavy lifting for you.Stablecoin Enthusiasts: If a significant portion of your net worth is held in USDT or USDC, an on-chain yield card helps protect that value against fiat inflation.Digital Nomads: For those who earn in crypto and spend in various fiat currencies across borders, the yields can help offset transaction fees.DeFi Power Users: Why keep "spending money" in a 0% yield wallet when you can deposit it into BenPay to earn 3-5% (derived from on-chain yields and subject to fluctuation)?
Conclusion
With the evolution from traditional crypto payment cards to on-chain yield cards, your funds are no longer just waiting to be spent; they are actively participating in yield strategies while they wait. You no longer have to choose between earning returns and daily spending. With innovative tools like BenPay, you can finally achieve the ultimate convenience of earning while you spend.
Ready to stop letting your crypto sit idle? Get your BenPay on-chain yield card today and start earning while you spend it.
Frequently Asked Questions (FAQ)
Q1: Are on-chain yield cards safe compared to traditional bank cards?
While traditional bank cards are protected by government schemes, on-chain yield cards rely on the security of blockchain technology and audited smart contracts. By using an on-chain yield card, you enjoy asset transparency—you can clearly see where your funds are—and if it is a self-custodial card, you are the only one with the authority to move your assets. However, please note that risks still exist; please assess your personal risk tolerance before use.
Q2: How is an on-chain yield card different from a High-Yield Savings Account (HYSA)?
While both offer interest in balances, an on-chain yield card typically provides relatively secure and stable returns by directly accessing curated decentralized protocols. Additionally, yields fluctuate with market conditions, and a fixed return is not guaranteed.
Q3: How is the APY of an on-chain yield card calculated?
The APY of an on-chain yield card is determined by the market supply and demand of the underlying DeFi protocols and will fluctuate with market changes. Actual returns may increase or decrease, and a fixed return is not guaranteed.

With the growing adoption of cryptocurrency payments, more and more people want to use their crypto assets for everyday spending instead of letting them sit idle in a wallet. This raises a common question:
Is there a crypto debit card that can be used for daily transactions while the balance also earns yield?
The answer is yes. This is exactly what the BenPay On-Chain Yield Card offers — letting your funds grow while remaining readily available.
What Is an “Earn-While-You-Spend” Crypto Debit Card?
An “earn-while-you-spend” crypto debit card is essentially a card that combines payment functionality with an optional yield-generating mechanism.
It works like a regular debit card for spending, but also allows the unused balance in your card account to earn interest once the user activates the “Earn” function. This type of product is called an On-Chain Yield Card
Core features:
Have crypto assets in the card account earn yield after the user chooses to enable itSpend funds anytime without restrictionGrow their balance dynamically without extra manual operations
Unlike cashback crypto cards or simple staking tools, it offers a more flexible and transparent revenue experience.
BenPay On-Chain Yield Card: Grow Your Funds While Keeping Them Accessible
The BenPay On-Chain Yield Card is designed specifically for crypto users, with its core value in:
On-Chain Yield (User Activated)
When a user clicks the “Earn” button on their card account balance, the eligible balance participates in on-chain yield protocols, achieving:
Interest generationReal-time yield updatesDaily settlementTransparent on-chain tracking
Compared to traditional bank deposits, this provides higher returns and full transparency.
Note: Yield applies only to the card account balance chosen by the user, not the entire card balance. Funds are not automatically deducted — yield starts only after the user activates the feature.
Ready-to-Use Funds, No Lock-Up
Even when assets are earning yield on-chain, they remain accessible:
Payments are deducted directly from the card balanceNo need to redeem or pause yield in advanceNormal spending is unaffected
This means users can earn yield while keeping their funds ready for spending.
How Does an “Earn-While-You-Spend” Cryptocard Work?
The mechanism consists of three main components:
On-Chain Yield Protocol
After the user enables yield, the card account balance participates in long-tested, blue-chip DeFi yield protocols, such as AAVE, Compound, Morpho, Sky and more, achieving stable asset growth (APY starting from 3%, subject to market conditions and is not guaranteed).
Yield sources, contract addresses, and operational logic are executed on-chain and can be independently verified by the user.

Real-Time Payment System
When a user makes a purchase, payments are deducted from the available card balance.
Balances that have enabled yield continue to generate returns according to the protocol, without being interrupted by spending.
The payment process requires no extra steps, allowing transactions and yield accumulation to run in parallel.
Security and Transparency
All operations are executed on-chain, ensuring transparency and security:
Card account balances and yield status are always viewableYield sources and settlement logic are publicly verifiableUsers retain full control over whether to enable yield
How Is It Different from Traditional Crypto Cashback Cards or Staking?

Traditional crypto cards typically provide a small percentage of cashback, while staking requires locking assets with risks and unlock periods. The On-Chain Yield Card allows funds to earn yield while remaining accessible, but requires the user to activate the yield feature.

Who Is This Card For?
The BenPay On-Chain Yield Card is ideal for:
Users who want to make idle crypto assets work for themThose with frequent fiat or crypto payment needsUsers who value transparency and the ability to withdraw anytimePeople who don’t want to lock funds in staking protocols
Especially suitable for:
Users who want to spend crypto anytimeUsers who prefer automatic yield management without manual stakingUsers who want to maximize returns while maintaining flexibility
BenPay On-Chain Yield Card FAQs
Is earning on the BenPay On-Chain Yield Card automatic?
No. Earning is generated only after the user manually activates the “Earn” feature. Before activation, the card account balance does not participate in any on-chain yield protocols, and funds are never automatically deployed.
Are funds locked after enabling on-chain yield?
No. Enabling on-chain yield does not lock funds or restrict spending. Users can continue making payments at any time without redeeming or pausing yield, with no lock-up or unbonding period.
What is the difference between an on-chain yield card and staking?
Staking requires locking assets, while an on-chain yield card keeps funds fully liquid. Yield on the card is optional, user-activated, and does not limit payment usage, unlike traditional staking mechanisms.
Is on-chain yield risk-free?
No. On-chain yield involves risks associated with DeFi protocols. These include smart contract risk, protocol-level market risk, and asset price volatility. Transparency does not eliminate risk, and users should decide independently whether to enable yield.
Who is an earn-while-you-spend crypto debit card suitable for?
It is best suited for users who want to earn yield on idle crypto while retaining full spending flexibility. Users who prefer fixed returns or fully regulated traditional financial products may find this model unsuitable.
Conclusion
An on-chain yield card is not designed to replace banks or staking — it redefines how funds behave while being used. Traditionally, money is either spent or invested. The BenPay On-Chain Yield Card introduces a different approach: allowing funds to remain spendable while optionally earning yield — without lock-ups. Only when the user explicitly enables yield do funds continue to generate on-chain earnings while being used for payments, according to transparent on-chain protocol rules.
For users who value:
Liquidity without sacrificing on-chain yields potentialTransparent, on-chain–verifiable mechanismsFull control over whether yield is enabled
The BenPay Crypto Debit Card offers a new “earn-while-you-spend” experience that differs fundamentally from crypto cashback cards or staking products.

Risk Disclaimer
This article is for informational purposes only and does not constitute investment advice or a guarantee of returns. On-chain yield is generated through DeFi protocols, and returns may vary depending on market conditions. Users retain full discretion over whether to activate the yield feature and assume responsibility for their decisions. Cryptocurrency assets are subject to price volatility. Please ensure you understand product mechanics and associated risks before participating.

#加密市场观察 #加密

Wprowadzenie
Wraz z dojrzewaniem ekosystemu DeFi możliwości zarabiania zysków na łańcuchu nie są już rzadkie. To, co naprawdę utrudnia użytkownikom udział, to nie brak możliwości, ale bariery wejścia. Nieprzezroczyste mechanizmy protokołów, bardzo specjalistyczne zasady, niejasne przepływy funduszy oraz skomplikowane kroki operacyjne często odstrasza użytkowników. Nawet gdy użytkownicy zdają sobie sprawę, że ich aktywa mogłyby być wykorzystane bardziej efektywnie, wielu wciąż decyduje się czekać na boku lub pozostawia środki nieużywane przez długie okresy.

As cryptocurrency evolves from an investment target to a payment tool, a more fundamental question arises: Is the “crypto card” in our hand merely a spending channel, or is it a self-growing asset engine?
Imagine this scenario: You have 5,000 USDT sitting in your card, waiting for your next business trip, hotel booking, or daily expenses. During those 60 days you haven't spent it, it has done nothing. The issue isn't whether you spend it or not, but rather: those 5,000 USDT could have continued earning while “waiting to be spent.”
The answer quietly marks the division between two eras. On the one hand are traditional crypto cards, which act as one-way pipelines, converting your digital assets into fiat currency for spending. On the other hand, there are emerging on-chain yield cards that function like smart asset terminals with built-in generators, aimed not just at facilitating payments but at making every bit of your money work for you even while it awaits spending.
Beyond the obvious difference of “yield generation,” this upgrade from “channel” to “engine” reflects fundamental changes in capital efficiency, security models, and user experience.
This article will systematically compare: the core differences between on-chain yield cards and traditional crypto payment cards; how they differ in terms of yield, security models, and payment experience; whether on-chain yield cards are the same as DeFi and whether they are truly more secure; and, with reference to the real-world product practice of BenPay, help you decide which is more suitable for long-term use.
Core Differences Between On-Chain Yield Cards and Traditional Crypto Payment Cards
What is a Traditional Crypto Payment Card?
A traditional crypto payment card is essentially a "channel." Its design philosophy focuses on being an efficient conversion tool, with its core value lying in "connectivity." Under this model, the funds are merely held idle in the card and do not generate any yield. This is akin to keeping cash in a non-interest-bearing drawer—it simply sits there, waiting to be spent, without growing on its own.
More importantly, this card quietly incurs several types of efficiency losses in daily use:
Time is wasted: Funds sit completely idle while waiting to be used.Revenue opportunities are missed: The same USDT or USDC could be earning yield elsewhere, but it remains at zero in a traditional crypto card.Usage habits become entrenched: Long-term use makes users accept that "money in the card is just for spending," overlooking the potential for asset growth.
These hidden losses may not seem significant individually, but as the scale of funds and the duration of use increase, the resulting efficiency gap continues to accumulate.
Traditional Crypto Card Workflow
The workflow of a traditional crypto payment card can be summarized as "spend-and-convert, channel-first." When you use a traditional crypto card for a purchase, the entire process functions like a trigger for instant conversion:
Initiate Payment: You swipe the card or make an online payment at a merchant.Instant Settlement: Upon receiving the request, the payment network immediately sells the corresponding amount of cryptocurrency in your card (e.g., Bitcoin, Ethereum) at the current exchange rate, converting it into fiat currency (e.g., USD, RMB).Complete Transaction: The converted fiat currency is paid to the merchant, finalizing the transaction.
Throughout this process, your cryptocurrency assets are used only passively at the time of payment, with the sole purpose of being converted into fiat to complete the settlement. Before and after the payment, the assets remain statically stored in the card’s associated wallet or account, generating no yield. Their value fluctuates entirely with the volatility of the cryptocurrency market.
Three Core Limitations of Traditional Crypto Cards
This model addresses the basic need of "spending cryptocurrency," but it suffers from several inherent flaws:
1. Zero Funds Efficiency
From the moment funds are deposited until they are spent—whether it takes days, weeks, or months—the assets remain idle in the platform’s account as static reserves, generating no returns. In an inflationary environment, this leads to an implicit erosion of purchasing power.
2. Fragmented User Experience
Payment (spending) and asset growth (saving/investing) are completely separate actions. If users wish to grow their assets, they must manually transfer funds to exchanges, wallets, or various DeFi protocols—a cumbersome process that disrupts the convenience of payment.
3. Opaque Economic Costs
Beyond potential monthly fees or cross-border transaction charges, the highest cost lies hidden in the "exchange rate." The platform’s bid-ask spread and handling fees may be substantially higher than open-market rates, with these costs borne passively by the user.
What is an On-Chain Yield Card?
Emerging on-chain yield cards represent a philosophy of "efficiency." They are no longer content with being passive pass-through channels but strive to become "intelligent efficiency engines" for your personal assets. Their core innovation lies in leveraging the programmability of blockchain and the flexible composability of decentralized finance (DeFi) to redefine what a payment account can be. Now, your payment account simultaneously functions as an automated, yield-generating "asset growth tool," ensuring your money continues to work and generate returns even while awaiting payment use.
How Does an On-Chain Yield Card Generate Returns?
The core principle of how an on-chain yield card generates returns can be summarized as follows: after the user actively enables the "earn" feature, the system allocates the card account balance to carefully selected and optimized on-chain DeFi protocols to generate returns, achieving the goal of "earning while holding and spending while earning." The yield generation of an on-chain yield card is fundamentally based on the user's active decision to enable the earn feature.
User Authorization to Enable Earnings
The user transfers funds into the card account balance and manually activates the earn feature.
Smart Contract Execution for Yield Generation
After user authorization, the system uses smart contracts to allocate the card account balance to on-chain yield protocols in accordance with predefined strategies. The entire execution process is automated and auditable.
Parallel Processing of Payments and Earnings
When a payment is made, only the required amount is redeemed for the transaction. The remaining balance in the card account continues to participate in yield generation uninterrupted.
Are On-Chain Yield Cards Equivalent to DeFi?
No, on-chain yield cards are not equivalent to DeFi, but they are fintech products built with DeFi as their core "engine." The relationship between the two can be likened to that of "a car and its engine":
DeFi functions like a high-performance engine and transmission system, providing a series of composable protocols (such as lending, staking) that enable digital assets to generate returns automatically.An on-chain yield card, on the other hand, is like a fully integrated smart car. It not only incorporates the DeFi engine but also integrates payment channels, compliance systems, user interfaces, and more, aiming to deliver a secure, convenient everyday spending experience.
In short, DeFi is the underlying technological capability, while on-chain yield cards are consumer-grade products that package it for everyday use.
On-Chain Yield Cards vs Traditional Crypto Cards: Key Dimensions Comparison
To more clearly illustrate the differences between the two, we can directly compare them across three core dimensions:

Traditional crypto cards solve the question of “how to spend your crypto,” while on-chain interest-bearing cards solve the question of “whether your money is sitting idle before you even spend it.”
Is It Really More Complicated to Use On-Chain Yield Cards?
When first encountering on-chain interest-bearing cards, most users are most concerned not about returns, but three very practical questions.
First, do I have to manage it daily?
No. Users only need to manually activate the “Earn” feature once after funds enter the card's account balance. After that, both earning and spending are handled automatically in the background. Day-to-day usage is no different from a regular crypto card.
Second, if I decide I don't want to earn anymore, can I stop at any time?
Yes. The Earn feature is not a lock-up. Users can turn it off anytime, and funds will exit the earning state according to the rules, returning as available balance. The entire process is under the user's active control.
Third, will it not feel like a “normal card” to use?
No. In real spending scenarios—swiping, online payments, cross-border use—the experience is largely the same as with a traditional crypto card. When a payment is made, the system only redeems the required amount; the remaining balance continues as before. You’ll hardly notice any complex mechanisms running behind the scenes.
For users, the change isn't in “how to use it”—it's that the same balance, before being spent, finally starts generating value.
Taking BenPay as an Example: The Real Product Practice of On-Chain Yield Cards
BenPay's core product — the On-Chain Yield Card serves as a key application of this system. Its design reflects a thoughtful, practical integration across three key dimensions: yield, security, and user experience, with a particular emphasis on maximizing user autonomy and asset transparency.

Product Highlights:
In terms of yield, BenPay does not simply connect users to a single high-risk protocol.
Instead, it employs a diversified, robust asset allocation strategy to provide a sustainable source of returns. More importantly, yield generation begins only with explicit user authorization: funds must be transferred to a dedicated "Card Account Balance" pool, and users must manually activate the "Earn" feature.
This design is far from redundant; it fundamentally ensures users' absolute control over their funds. It clearly distinguishes between liquid balances for payments and principal allocated for yield generation, preventing any misunderstanding that "funds are being automatically used."
Regarding security, BenPay strikes a balance between convenience and safety through "Social Login + Zero-Knowledge Proof" technology.
Furthermore, asset settlement and record-keeping are based on a high-performance blockchain optimized for finance, ensuring transaction finality and auditability. This architecture technically safeguards the security and transparency of assets within the "Card Account Balance," making every bit of generated yield fully traceable.
For user experience, BenPay's design aims to eliminate complexity and deliver seamless, frictionless interaction.
This is first achieved through a clear fund structure: the app interface distinctly separates the "Card Account Balance" (earning yield) from the "Total Card Balance" (available for spending), giving users an instant overview of their asset status.
Secondly, by integrating with global payment networks, interest-bearing assets can be used for worldwide consumption at any time. When a payment is initiated, the system automatically redeems the required amount from yield-earning assets in accordance with predefined rules, completing the process within seconds. The payment experience is thus identical to that of a traditional card. This design means users need only make one proactive choice—activating the "Earn" feature—to subsequently enjoy the automated convenience of "spending while earning," without any complicated steps for each transaction.
In summary, the practical approach of the BenPay Interest-Bearing Card is to deliver native on-chain financial yield through meticulous product design while strictly adhering to the principle of user sovereignty. It returns control and transparency to users, thereby building a powerful and trustworthy financial tool.
Who Should Choose an On-Chain Yield Card?
Choosing which crypto card to use may seem like a product preference on the surface, but it's really about how you view "that money in the card."
An on-chain yield card is better suited for you if:
Long-term stablecoin holders: If you hold USDT or USDC as cash reserves or emergency funds, an on-chain interest-bearing card allows your idle capital to grow consistently, rather than remaining at zero long-term.Frequent cross-border spenders: Every payment may involve exchange rate spreads and fees. An on-chain interest-bearing card not only reduces hidden costs but also ensures your funds generate returns before they’re spent.Those receiving stablecoin salaries or income: If your salary or income arrives in stablecoins, an on-chain interest-bearing card helps create a seamless cycle from receipt to spending, putting every dollar to work for you.Long-term thinkers / efficiency-driven users: You aren't satisfied with "money just sitting there." You want your assets to deliver value every moment in the digital age, merging payment and growth into one.
Traditional crypto cards are still suitable for users who:
Use crypto assets for payments only occasionally, with funds remaining in the card for short periodsPrefer to avoid potential volatility risks associated with on-chain protocolsValue simple tap-and-pay convenience over asset growth
Ultimately, the choice of which card to use comes down to whether you want idle funds to continue creating value for you—not just waiting to be spent.
Conclusion: This Isn't Just a Feature Upgrade, It's a Choice About Fund
The difference between an on-chain interest-bearing card and a traditional crypto payment card isn’t just about “whether it earns interest.” They represent two fundamentally different ways of using capital: one accepts that funds lie idle while waiting to be spent; the other tries to keep money in motion no matter what state it’s in.
With a clear understanding of the risks, the real question is no longer: “Should I use an on-chain yield card?” It’s rather: Are you willing to let a portion of your fund that could be working for you continue to do nothing?

Risk Disclosure
The returns generated by on-chain interest-bearing cards originate from on-chain DeFi protocols and do not guarantee future yields; actual returns may fluctuate. Funds engage in smart contract operations, which entail potential technical risks. In a non-custodial model, asset security depends on the user's own safeguards. In extreme market conditions, fund redemptions may be restricted or delayed. Please fully understand the product mechanism and evaluate your personal risk tolerance before use.
#加密市场观察

【8 stycznia 2025】Zgodnie z oficjalnym ogłoszeniem, BenPay DeFi Earn oficjalnie uruchomił cztery nowe cele inwestycyjne: Morpho USDC, Morpho USDT, Sky USD oraz Ethena USDe, co dalsze wzbogaca opcje bezpiecznego i stabilnego wzrostu aktywów użytkowników w sferze DeFi.
Wszystkie nowe cele inwestycyjne zostały wybrane spośród protokołów DeFi z mechanizmami potwierdzalnymi na łańcuchu, obejmując różnorodne modele generowania zwrotu. Dane dotyczące zwrotu są publiczne i przejrzyste; jednak rzeczywista wydajność może się różnić w zależności od wielu czynników, takich jak stopy procentowe na łańcuchu, wykorzystanie kapitału, ogólne warunki rynkowe i inne, a będzie się dynamicznie dostosowywać do zmieniających się warunków rynkowych.

Zgodnie z Chainalysis, w 2025 roku wartość kryptowalut ukradzionych przekroczyła 3,4 miliarda dolarów, a liczba przypadków kradzieży portfeli osobistych wzrosła do 158 000, głównie z powodu wycieków kluczy prywatnych i problemów z platformami centralnymi. W miarę jak portfele kryptowalutowe ewoluują od prostych narzędzi przechowywania do zintegrowanych platform do płatności, alokacji aktywów i generowania przychodów, karty z przychodami na łańcuchu zyskują coraz większą uwagę.
Dla nowych użytkowników jednak najpilniejszym pytaniem pozostaje: Czy karta z przychodami na łańcuchu jest bezpieczna? Po prostu mówiąc, nie ma jednoznacznej odpowiedzi „całkowicie bezpieczna” lub „całkowicie niebezpieczna”. Ich bezpieczeństwo zależy przede wszystkim od trzech czynników: czy środki są przechowywane samodzielnie, czy przychody są potwierdzalne na łańcuchu, oraz czy środki mogą dalej generować przychody, jednocześnie pozostając całkowicie dostępne do płatności.

Introduction
For most digital asset holders, funds usually end up in one of three places — and each comes with clear flaws:
Kept on an exchange account: Convenient to use, but assets are custodial. Security and transparency remain ongoing concerns, and funds typically generate no yield.Stored idle in a wallet: Assets are secure, but simply “stored,” without participating in on-chain yield opportunities.Deposited into DeFi protocols: Yield is possible, but the process is complex, and risks are difficult to predict. Once funds are deployed, they are often hard to access for everyday spending.
As a result, users often need to make trade-offs among security, yield, and liquidity.
The BenPay On-Chain Yield Card was created to resolve this long-standing dilemma: Without sacrificing self-custody security, funds remain instantly spendable while continuously earning on-chain yield.
I. The Three Core Dilemmas Facing Digital Asset Holders
1. The Limits of "Idle Assets"
When crypto assets are held as stablecoins, their value tends to be relatively stable and does not involve price depreciation. However, if funds remain idle in exchange accounts or cold wallets for a long time, they cannot capture the native yields generated by on-chain protocols. Assets are merely “preserved,” not truly “used.”
2. The Barrier of "High Threshold Fear"
To grow your asset through DeFi, users must first understand wallet creation, private key management, network switching, protocol selection, impermanent loss, gas optimization, and more. A single mistake can lead to irreversible asset loss. This complexity — and fear — keeps many users on the sidelines.
3. The Inconvenience of "Liquidity Fragmentation"
Even users who bravely enter DeFi face a practical challenge: funds are typically locked in liquidity pools or lending protocols and cannot be used for everyday spending. When payment is needed, users must redeem assets first, wait for confirmations, and pay high gas fees — a process that is both slow and costly.
II. BenPay On-Chain Yield Card: Grow Your Assets While Keeping Them Instantly Spendable
To address the three most common practical problems faced by digital asset holders — the long-term idle funds, excessively high thresholds for DeFi operations, and the inability to combine yield with liquidity — the BenPay On-Chain Yield Card offers a solution that aligns with everyday payment habits.
Automatic Asset Growth, Clearly Visible Earnings
On-chain yield is generated through BenPay’s DeFi Earn system. Once users enable the “Earn” switch, their card account balance is automatically connected to selected on-chain DeFi protocols. It is important to clarify: on-chain yield is not generated by the card itself. Rather, the card account balance participates in on-chain protocols through the DeFi Earn system, resulting in yield generation, with the entire process remaining seamless to the user.
Without affecting daily payments, funds continue participating in on-chain activity. Yield is settled daily and credited the same day, starting at 3% APY (based on real-time on-chain protocol returns). Earned yield can continue to participate in on-chain yield strategies, balancing liquidity with long-term returns.

Keep All DeFi Complexity Entirely in the Background
The On-Chain Yield Card does not require users to understand protocol mechanics, compare yields, calculate gas costs, or manually reinvest returns. With a single tap to enable “Earn,” all remaining processes are handled automatically by the system. The overall experience feels much closer to that of a traditional payment product, while still preserving the core advantages of on-chain yield — transforming DeFi yield capacity from a "professional tool" to a "basic function".

Instant Usability While Earning On-Chain
Unlike traditional DeFi, funds in the On-Chain Yield Card are not locked into protocols. During everyday spending, the card account balance can be transferred to the card balance at any time and used directly for payments, enabling a seamless transition between earning and spending.
Security Built on On-Chain Self-Custody
The On-Chain Yield Card adheres strictly to self-custody principles. Users retain full control of their private keys; the Platform never touches or holds user assets, and all operations are fully verifiable on-chain. Meanwhile, the card integrates only blue-chip DeFi protocols rigorously validated by the market over time, balancing yield efficiency with minimal systemic risk.
Incentives That Enhance Utility and Community Value
To encourage more users to experience the convenience and growth potential of the On-Chain Yield Card, BenPay launched a launch incentive and referral program alongside its release. This not only allows users to earn yield during everyday use but also provides additional rewards through sharing, creating a system of value sharing:
Free card issuance: Free for the first 200 usersReferral rewards: Earn $2 USD for each successful referral who opens a card and deposits fundsDeposit rewards: During the campaign, the top 10 users by cumulative deposits receive an additional 3 USDT airdrop
The BenPay On-Chain Yield Card breaks the binary choice between “idle” and “locked” assets, establishing a new balance between self-custody, on-chain yield, and instant usability — keeping DeFi complexity in the background while delivering yield and convenience to users. At the same time, users can not only achieve asset growth by taking what they need at any time but also earn additional income through social sharing of early incentives.

III. Why the BenPay On-Chain Yield Card Is a Breakthrough Product
The BenPay On-Chain Yield Card is not merely a simple combination of existing solutions. Through innovations in its underlying architecture, it achieves a seamless integration of traditional financial experiences with the on-chain world. Its breakthrough lies in three dimensions: product mechanics, technical implementation, and user experience, effectively solving the long-standing dilemma of choosing between payment and asset growth.
1. A Unique Three-Layer Account Architecture for Intelligent Fund Coordination
Self-custodial wallet on BenFen Chain: Users fully control their private keys and 100% asset ownership.Card account balance: Once on-chain yield is enabled, it automatically participates in selected blue-chip protocols, earning yield on-chain daily.Card balance: Instantly available for global spending at any time.
This three-layer structure maximizes asset efficiency. The same funds no longer need to rotate between “security,” “growth,” and “payments.” Instead, under self-custody, they can simultaneously earn on-chain yield and be used for instant consumption, allowing assets to retain liquidity while continuously generating value.
2. Extreme Automation, Minimal User Burden
One-Click Yield: Enabling the switch automatically handles protocol selection, fund allocation, yield reinvestment, and the entire process end-to-end.Zero-Gas Payments: For everyday spending, funds are transferred from the yield account without the user noticing the underlying redemption or confirmation process, with no additional fees.Transparent Fees: No setup fees, no management fees, with daily yield clearly visible and fully verifiable on-chain.
The core principle of this design is not to make DeFi more complex, but to remove complexity entirely from the user’s perspective. Users do not need to understand protocol differences, gas mechanics, or reinvestment logic — the system automatically executes all processes on-chain in a fully verifiable manner.
3. On-Chain Transparency and Protocol Selection
Fully On-Chain Verifiable: All operations are recorded on-chain, making the process transparent and auditable at any time.Selected Blue-Chip Protocols: Only top-tier DeFi protocols with long-term market validation are integrated, ensuring controllable risk.
This approach balances fund security and yield generation. All operations are verifiable on-chain, the process is fully transparent, and only well-established DeFi protocols are used, allowing assets to grow safely and reliably.
IV. Use Cases: Rebuilding Digital Asset Lifestyles
Higher Capital Efficiency
Funds held as digital assets can be deposited into the BenPay On-Chain Yield Card. While covering daily spending needs, they simultaneously participate in on-chain yield generation, allowing assets to maintain higher liquidity and capital efficiency during use.
A Cash Flow Tool for Long-Term Holders
Long-term crypto holders who require partial liquidity can allocate a portion of their assets to the BenPay On-Chain Yield Card. This enables them to balance daily spending capability with asset growth, without disrupting their existing holdings.
An Easy On-Ramp for DeFi Beginners
Users curious about DeFi but hesitant to participate can experience on-chain yield in the simplest possible way, gradually building understanding and confidence.

V. Industry Impact: A Step Toward Mainstream Adoption
The BenPay On-Chain Yield Card represents a shift in Web3 product philosophy — moving beyond serving only advanced users toward a broader audience. This is achieved through three principles:
Complexity Stays in the Background
Users do not need to understand smart contracts, gas fee calculation, or reinvestment logic. They simply enable the on-chain yield switch, while all other complex processes are handled automatically by the system. The experience feels much closer to a traditional payment product.Simplicity Without Compromising Core Values
While the operation becomes simpler, the BenPay card still adheres to the self-custody principle, on-chain transparency, and the open nature of Web3, allowing users to maintain full control over their assets.Direct Integration with Real Life
Through a virtual card, there is no need to convert crypto into fiat in advance. Users can spend directly in the real world while simultaneously growing their on-chain assets.
This approach embodies a broader industry insight: true mass adoption does not require ordinary users to learn blockchain; it requires blockchain to integrate naturally into the ways users already interact with money.
Conclusion: Put Your Assets to Work
In traditional finance, funds typically exist in one of two states: either being spent or sitting idle in an account. The BenPay On-Chain Yield Card combines both seamlessly: while funds await spending, they continue to participate in on-chain activities. This allows every asset to maximize its value safely and autonomously, improving capital efficiency. Whether for daily payments, asset growth, or long-term cash flow management, users can freely manage their funds within a unified account system — truly enabling “earn while you spend.”

Disclaimer
The content of this article is for informational purposes only and describes the features and usage of the BenPay On-Chain Yield Card. It does not constitute any form of investment advice or guarantee of earnings. Digital assets are subject to price volatility and inherent risks. Users should make their own judgments and assume responsibility for any risks when participating in on-chain yield or related financial activities.
#Privacy #blockchain

For Web3 payments to truly enter the mainstream, it is essential not only to address issues of "efficiency and cost" but also to restore users' control over the "privacy boundaries of their digital identities." In other words, privacy is a prerequisite for payments to achieve mass adoption, not merely an optional technical enhancement.
BenFen Chain’s private payment system is designed precisely to address this core challenge. Built on the BenFen Chain ecosystem, BenPay (www.benpay.com) enables users to leverage the BenPay Card for daily small-value payments—such as dining, subscriptions, transportation, and online purchases—making stablecoin payments more accessible and seamlessly integrated into everyday life. The system uses advanced MPC technology to automatically conceal transaction details, including amounts, times, recipient information, and address correlations across transactions. Additionally, BenFen Chain introduces a "selective disclosure mechanism" that allows users to grant limited transaction visibility to merchants or regulators when necessary, enabling a "verifiable yet untraceable" payment experience.

As crypto payments move closer to everyday use, crypto cards have become a practical tool for cross-border spending, ad payments, and premium subscriptions. Yet one long-standing problem remains unresolved: Money sitting in a card account does nothing until it is spent. This inefficiency is exactly what an on-chain yield card is designed to solve.
In this guide, we’ll explain what an on-chain yield card is, how Earn While You Spend works in practice, the security and self-custody model behind it, real-world implementation examples (BenPay), and who this product is best suited for.
What Is an On-Chain Yield Card?
An on-chain yield card is a crypto payment card that enables the card account balance to participate in on-chain earnings after the "Earn" button is activated by the user. In simple terms: An on-chain yield card = a crypto payment card combined with an on-chain yield mechanism based on the balance of the card account
Unlike traditional crypto cards, where balances sit idle until spent, an on-chain yield card ensures that unused funds continue to work and generate on-chain yield in the background.
Key Differences from Traditional Crypto Cards

Users do not need to manually participate in DeFi or understand complex DeFi protocols. After activating the "Earn" button, as long as the funds remain in the card account, they can continuously generate on-chain returns.
How “Earn While You Spend” Works
Card Account Balance-Based On-Chain Yield Model
In an on-chain yield card, Earn While You Spend refers to a card account balance-based on-chain yield mechanism, not transaction-based rewards. Instead of earning from each payment, users earn an on-chain yield from the unspent portion of their card account balance.
Here’s how it works in practice:
Card Account Balances Remain On-Chain
When users top up stablecoins into an on-chain yield card, those funds are held in an on-chain wallet linked to the card. Before being consumed, the balance of the card account remains on the chain, enabling it to be compatible with smart contracts and on-chain yield protocols. The card itself is merely a payment interface, not an asset custodian.
Idle Funds Are Automatically Allocated to Yield
Any portion of the card account balance that is not immediately spent is considered idle funds. After users activate the "Earn" function, these idle funds are allocated into high-liquid, relatively low-risk on-chain yield strategies.
After starting to "earn", the entire process is automated for users:
No manual depositsNo complex DeFi knowledge required
From the user's perspective, the card account balance will continue to accrue on-chain yield during the period the "earn" is active.
Spending Does Not Interrupt Earning
A key feature of the Earn While You Spend model is that earning and spending happen simultaneously. When a user makes a payment:
The amount spent will be deducted from the card balanceThe remaining balance in the card account will continue to generate incomeThe funds in the card account can always be used immediately
For example, if a user tops up 1,000 USDT to the card account and spends 300 USDT on the card, the remaining 700 USDT in the card account will continuously generate on-chain income until it is spent.
Not Cashback, Not Rewards
It’s important to clarify that this model is fundamentally different from cashback or reward cards.
Yield is not generated by spendingThere are no per-transaction incentivesEarnings come from time and the balance size of the card account, not from usage frequency
Yield accrues as long as funds remain in the card account. The longer funds remain in the card account, the more yield they generate—without affecting the user’s ability to spend.
Therefore, the true meaning of "earn while you spend" is that users do not have to choose between "using funds" and "letting the funds make money." They can consume freely while allowing the remaining balance in their card accounts to continuously participate in on-chain yield in the background.
Security and Self-Custody
Security is the foundation of any on-chain financial product.
Self-Custodial Architecture
Most mature on-chain yield cards adopt a self-custodial architecture, meaning:
Users retain full control of their assetsThe platform does not freely move user fundsAsset states can be verified on-chain
In practice: The card is a spending interface, not a custodian of assets.
Yield Strategies Designed for Liquidity
Unlike aggressive DeFi investments, yield strategies behind on-chain yield cards prioritize:
High liquidityAbility to withdraw funds at any timeCapital preservation over maximum APY
The objective is not yield maximization, but: Stable, uninterrupted earnings while maintaining spendability
Clear Risk Boundaries
An on-chain yield card is:
Not risk-freeBut it has a significantly lower risk than active DeFi investingComparable to an “on-chain money market” experience
This balance makes it suitable for users who want yield without complexity.
Real-World Implementation Example: BenPay On-Chain Yield Card
To illustrate how an on-chain yield card works in practice, consider the BenPay On-Chain Yield Card (mentioned purely as an example).
Users top up stablecoins (USDT/USDC) to card accounts for daily spendingUnused card account balances will automatically participate in on-chain yield after the user actively activates the earn functionDaily earnings are visible, such as: “Yesterday’s yield: +2 USDT”No additional action is required, and spending remains seamless

The key innovation is not high yield, but changing the default state of card account balances from "idle funds" to "on-chain assets that can generate value". This transformation has also fundamentally changed users' perception of card account balances: the money in the card account is no longer just temporary consumption funds, but a continuously operating asset.
Who is an on-chain yield card Best Suited For?
Cross-Border Spenders and Ad Buyers
Typical traits
Frequently top up 100–2,000 stablecoinsDo not spend the full balance immediatelyHighly sensitive to fees and card costs
Why it fits
Idle balances no longer feel “wasted.”Even non-yield-focused users perceive higher valueThe card feels economically smarter
Web3 and Crypto-Native Users
Typical traits
Hold stablecoins long-termUnderstand DeFi but prefer automationCare about capital efficiency
Why it fits
Passive yield without manual strategy managementImproved utilization of funds already sitting in the card accountNo operational overhead
Non-Crypto Users
Typical traits
No DeFi knowledgeUnderstand “on-chain yield of card account balance” conceptsWant safety, simplicity, and automation
Why it fits
Extremely low learning curveVisualized daily earnings build trustActs as a gateway into on-chain finance
Typical User Scenarios
Scenario A: Idle Balance Awareness
A user tops up 1,000 USDT for spending. Only 300 USDT is used . The remaining 700 USDT earns yield automatically.
The user realizes the card account balance is no longer “dead money.”
Scenario B: Card Comparison Decision
When comparing multiple crypto cards:
One card offers cashbackAnother offers a yield on the card account balance
The realization that “My money won’t sit idle here” is often used to justify higher upfront costs.
Scenario C: DeFi Without the Hassle
A Web3 user wants yield, but:
Doesn’t want to manage complex DeFi protocolsFears of operational mistakes
The on-chain yield card offers: Curated DeFi strategies + instant liquidity
Why On-Chain Yield Cards Matter
Strategically, the on-chain yield card serves as the lowest-friction entry point into DeFi
By introducing users to:
Passive yieldVisible daily returnsOn-chain trust
It naturally prepares them for:
Higher-yield strategiesMore advanced DeFi productsLarger capital commitments
FAQ: On-Chain Yield Cards
Where does the yield come from?
From on-chain yield protocols, not platform subsidies.
Does earning yield affect spending speed?
No. Spending and earning on-chain yield can happen simultaneously.
Do I need Complex DeFi knowledge?
No. Users only need to enable the earn function independently. The subsequent on-chain interest generation process will be automatically executed by the system, and users do not need to perform any DeFi operations.
Is it risk-free?
No on-chain product is risk-free, but risk is significantly lower than active DeFi.
Is it meant for long-term investing?
It’s best for idle balances used for spending and storage—not high-risk investing.
Final Thoughts
The On-Chain Yield Card is not merely for obtaining earnings. Its true value lies in solving the problems of idle funds and inefficient use, allowing your assets to continuously increase in value through consumption and payment. By turning idle balances into productive assets, it transforms a crypto payment card into a value-generating financial interface, bridging everyday spending and on-chain finance in a way that feels natural, simple, and sustainable.

Risk Notice
On-chain yield cards are not risk-free. Funds are exposed to on-chain protocols, smart contract risks, and market fluctuations. Users should understand that earnings are not guaranteed. Always review platform terms and consider potential losses before using them.

In the traditional financial world, earning interest on savings typically means depositing funds in a bank and accepting relatively low rates. In the decentralized finance (DeFi) space, however, anyone can become their own "bank" by depositing cryptocurrencies into on-chain protocols to directly access higher-yielding assets. If you're curious about "DeFi earnings" but unsure where to start, this article provides a clear, secure beginner's guide, along with an introduction to how innovative platforms like BenPay can help you take your first step with ease.
What is DeFi Yield?
In simple terms, DeFi earnings refer to the interest or rewards users receive by depositing cryptocurrency assets (such as stablecoins like USDC and USDT, or mainstream tokens) into top DeFi protocols. This DeFi earnings model is typically presented as an APY (Annual Percentage Yield). These protocols function like automated "digital banks," pooling the deposited assets for activities such as lending, trading, or other on-chain operations, and returning the majority of the generated profits to the users who provided the assets.
DeFi Yield VS. Traditional Finance
Compared to traditional finance, the core advantages of DeFi earnings lie in：
No intermediaries: No banks or institutions act as middlemen, reducing costs.Global and open access: Anyone with an internet connection can participate.Transparency: All transactions and interest rates are publicly verifiable on the blockchain.Potentially higher returns: Under specific market conditions, certain DeFi protocols may offer annualized yields higher than traditional savings rates, though returns can fluctuate with market movements.
Three Major Challenges for Beginners Participating in DeFi Earnings
While the prospects are enticing, newcomers often encounter the following obstacles when entering the DeFi world directly:
High Technical Barriers: Managing wallet private keys, understanding gas fees (transaction costs), and interacting with complex DApp interfaces.Insufficient Risk Awareness: Including risks such as smart contract vulnerabilities, market volatility, and inherent design flaws in protocols.Cumbersome Operations: Processes like identifying high-yield protocols, transferring assets across chains, and frequently optimizing returns are incredibly time-consuming.
Risk Notice for DeFi Earnings (Must-Read for Beginners)
DeFi earnings are not risk-free products. Users should fully understand the following risks before participating:
Smart Contract Risk: Even leading protocols may have undiscovered vulnerabilities.Market Risk: APY fluctuates with market liquidity and interest rate changes.Stablecoin Risk: Stablecoins are not bank deposits and are not protected by deposit insurance.
BenPay DeFi Earn: A One-Click On-Chain Yield Solution for Beginners
Recognizing these pain points, BenPay's DeFi Earn is designed to transform professional on-chain yield opportunities into a product that is easy for everyone to use. Here’s how it helps you get started from scratch:
Zero Gas Fees, Lowering Entry Barriers
BenPay innovatively offers a gas-free deposit experience. You don’t need to purchase or hold other network tokens in advance to pay for transaction fees, nor do you have to understand complex gas mechanisms. Simply select a DeFi protocol and participate with a single click, making the first-time experience much simpler.
Curated Blue-Chip DeFi Protocols, No Research Required
There are hundreds of DeFi protocols in the market, each with varying yields and risks. BenPay DeFi Earn’s intelligent system automatically routes your funds to top-tier, security-audited protocols offering optimal returns, such as Aave, Compound, and Solana, while excluding high-risk, long-tail assets.You don’t need to be a DeFi expert to enjoy professionally vetted DeFi opportunities.
Integrated MPC Wallet + zkLogin: Security Meets Convenience
Security is paramount in DeFi. BenPay’s built-in MPC (Multi-Party Computation) wallet technology encrypts and stores fragments of your private key across multiple locations, eliminating the risk of single-point exposure. You can securely manage your assets without having to back up complex recovery phrases, offering beginners the same peace of mind as traditional banking.
Convenience is key to DeFi adoption. BenPay innovatively integrates zkLogin, a one-click login system that lets users access their self-custodied on-chain wallets directly via familiar social media accounts or email addresses. This design retains users’ full control over their assets (true "self-custody") while providing an onboarding experience as seamless as traditional Web2.
Transparent Risk Exposure and Multi-Strategy Options
BenPay DeFi Earn clearly displays the risk levels and expected APY of different products. From stablecoin-focused conservative options to diversified DeFi strategies offering potentially higher APY, you can choose based on your risk tolerance to achieve your yield goals.
In summary, BenPay DeFi Earn transforms complex DeFi operations into a one-click, low-barrier, and user-friendly on-chain yield experience.
User Guide: Three Easy Steps to Start Earning DeFi Yield
Getting started with DeFi earnings through BenPay only takes three simple steps:
Download and Register: Install the BenPay app or visit the BenPay official website. Use zkLogin to instantly create your BenPay wallet with just your email or social account.Deposit Assets: Easily transfer assets like USDC or USDT into your wallet with one click, ready to participate in DeFi Earn.Activate DeFi Earn: Navigate to the "DeFi Earn" section in the app, browse and select your preferred DeFi protocol, review the details, and confirm your deposit. From then on, your earnings will automatically accumulate and be visible in your account.
Conclusion: Embrace the Open Financial Future
DeFi earnings represent a more open and efficient way to grow your assets. While they are not without risks, platforms like BenPay turn complex technology into simple, accessible DeFi tools, allowing every user to participate with minimal barriers and take their first step toward building a personal on-chain asset portfolio. Ready to turn your idle cryptocurrencies into sustainable earnings? Download the BenPay app now and experience BenPay DeFi Earn to embark on your effortless on-chain yield journey.

Want to earn passive income with crypto but feel overwhelmed by complex DeFi protocols, high gas fees, and security risks? You're not alone. The promise of DeFi earnings is compelling, but the path to getting started is often riddled with technical barriers. This guide breaks down exactly how passive income with DeFi works in 2025 and introduces a simplified, secure way to generate yield—without needing to become a blockchain expert overnight.
What is Passive Income in DeFi (And Why It Matters)
In the traditional financial world, passive income might come from rental properties or stock dividends. In decentralized finance (DeFi), it refers to the yield or interest your crypto assets can earn simply by being put to work on the blockchain.
Understanding On-Chain Yield vs. Traditional Savings
When you deposit money in a savings account, the bank lends it out and gives you a small fraction of the interest. DeFi flips this model. By using smart contracts, you can directly lend your assets to others, provide liquidity for trading pairs, or stake in secure networks. In return, you earn a yield, often significantly higher than traditional banks, because you're cutting out the middleman. This is the core of earning from DeFi.
The Rise of Accessible DeFi in 2025
The narrative has shifted. DeFi crypto earn opportunities are no longer just for technical traders. In 2025, the focus is on accessibility, user experience, and integrated security. Products are being built to abstract away the complexity, allowing anyone with a smartphone to tap into the potential of on-chain stablecoin yield and other earnings.
The Main Challenges for Beginners Wanting DeFi Earnings
The potential is vast, but the initial hurdles are real. Here are the key pain points new users face:
Why Is DeFi So Complicated for New Users?
Complexity and Technical Barriers
Navigating a DeFi staking platform or liquidity pool requires understanding wallets, transactions, approvals, and concepts like impermanent loss. One wrong click can lead to lost funds. For someone looking for simple best DeFi earnings, this learning curve is the biggest deterrent.
Is DeFi Passive Income Safe?
Security Concerns and Protocol Risks
The "do your own research" (DYOR) mandate is heavy. Beginners must audit smart contract code, assess team credibility, and monitor for exploits. The fear of placing funds into a fraudulent or poorly audited protocol is a significant barrier to starting DeFi crypto earn activities.
Do Gas Fees Reduce DeFi Profits?
High Gas Fees That Eat Into Profits
Every transaction on a blockchain—depositing, claiming rewards, withdrawing—costs a "gas" fee. For smaller investments, these fluctuating fees can completely erase any profit, making earning interest on crypto strategies inefficient.

ChallengeTraditional DeFi OperationThe BenPay DeFi Earn SolutionComplexityMulti-step processes across different protocols; requires deep understanding.One-click deposit into curated DeFi strategies; a unified, simple interface.Gas FeesPaid for every transaction, significantly reducing net profits, especially for small sums.0 Gas Fee Model. Operations are batched by the platform, saving your cost.Risk ManagementUser must independently research and audit each protocol.Pre-vetted Protocols. Strategies are built on audited, reputable protocols with clear risk levels.AccessibilityFragmented experience across multiple websites and apps.All-in-One App. Earn, store, and spend from a single, cohesive BenPay Web3 Super App.
How BenPay DeFi Earn Simplifies On-Chain Yield
BenPay DeFi Earn is a beginner-friendly DeFi earn platform designed to provide a seamless experience for earning passive income with DeFi. It functions as a yield aggregator, allowing users to have access to curated DeFi protocols through a single interface.

One-Click Yield Generation
Gone are the days of manual protocol hopping. You simply click, and select a DeFi protocol that matches your risk preference, and deposit. The complex interactions with the underlying cross-chain and exchange operations are handled in the background, making earning passive income with DeFi as simple as a few taps.
Zero Gas Fee Architecture
One of the standout features for anyone looking to earn from DeFi efficiently. BenPay's infrastructure aggregates user transactions, meaning you don't pay network gas fees for deposits or withdrawals. What you earn is much closer to what you keep, maximizing your DeFi crypto earn potential.
Curated & Risk-Verified Protocols
Security is paramount. The team behind BenPay DeFi Earn does the heavy lifting of due diligence, selecting only top DeFi protocols (like Solana, AAVE, and Compound) with strong security audits and proven track records. This provides a crucial safety layer for beginners seeking the best DeFi earnings without the research burden.
Multi-Chain Support for Diverse Assets
Your assets aren't limited to one blockchain. BenPay DeFi Earn connects to yield opportunities across multiple networks, allowing you to earn interest on crypto wherever it resides, maximizing your options for earning passive income with DeFi.
Step-by-Step: How to Start Earning with BenPay DeFi Earn
Getting started with your passive income with DeFi journey is straightforward and secure. Here’s how beginners can earn passive income with DeFi using BenPay in 4 simple steps:
Create & Connect Your Wallet
If you don't have one yet, start by creating your BenPay wallet. We recommend a seamless login via email, zkLogin, Google, or Apple account. Simply visit the BenPay official website, click “Connect Wallet,” and follow the prompts. Your gateway to DeFi crypto earn opportunities begins with this secure, all-in-one Web3 Super App. (For detailed instructions, refer to our guide: How to Create Your BenPay Wallet?)

Deposit Stablecoins for Investment
Once connected, prepare your capital. You can directly deposit USDC or USDT into your BenPay wallet from multiple supported networks including ETH, BSC, Polygon, and Solana. These are seamlessly converted at a 1:1 fixed ratio into BUSD — a dollar-pegged stablecoin issued by BenFen—ready to generate stablecoin yield. The minimum investment starts from 100 BUSD.
(Learn more about the process: How to Make a Cross-Chain Deposit?)

Choose Your Investment Product
Navigate to the DeFi Earn platform. Browse the list of available yield products, each representing a curated DeFi staking platform strategy. Select the product that matches your risk preference and return expectations, and click the “Invest” button to proceed.

Confirm and Start Earning
A confirmation window will pop up. Enter the amount of BUSD you wish to invest, click “Confirm,” and authorize the transaction with your wallet password. Once confirmed, your assets immediately begin working. You can then monitor your accumulated DeFi earnings in real-time within your BenPay dashboard.

Important Note: This process is designed for simplicity and accessibility, abstracting away the complex mechanics of underlying DeFi protocols. Returns are variable; APY figures are based on historical data and do not guarantee future earnings.

Realistic Earnings: A Sample Scenario
Let's make it tangible. Imagine you want to start earning a stablecoin yield with a moderate-risk profile using a reliable DeFi Earning.
Asset: You deposit 5,000 USDT into a BenPay DeFi Earn product.Estimated APY: The product shows a historical APY of 13.84%.Potential Earnings: At this rate, you could earn approximately 57.67 USDT in interest after one month, or about 692 USDT over a year, not accounting for compounding. This demonstrates the real potential of earning passive income with DeFi.The Power of Compounding: If you reinvest your earnings, your growth accelerates over time, creating a powerful cycle of DeFi crypto earn potential.

Important Note: This is an illustrative example based on historical data. APYs in DeFi are variable and not guaranteed. Always understand that yields can fluctuate with market conditions when pursuing the best DeFi earnings opportunities.
Start Your Passive Income Journey Today
Earning passive income with DeFi in 2025 no longer requires navigating a maze of complexity and risk. Platforms like BenPay DeFi Earn have democratized access by removing gas fees, vetting protocols, and packaging everything into a simple, one-click experience. It represents what best DeFi earning platforms now strive for: simplicity, security, and efficiency.
Ready to put your crypto to work? Start earning a competitive yield today with BenPay DeFi Earn. [Sign up now, deposit your crypto, and watch your assets grow seamlessly.] Begin your journey to passive income with DeFi in the most straightforward way possible.
And once you're earning a yield, discover how to use it effortlessly in the real world with the BenPay Card—completing your all-in-one Web3 financial ecosystem for earning, storing, and spending.
Risk Disclosure:This content is for informational purposes only and does not constitute financial advice. Any mentioned returns (e.g., APY) are based on historical data and are not indicative of future performance. Please conduct your own research (DYOR) before investing.