Rise Earn is a feature that lets you move your idle funds into a "Liquidity Pool." Other users on the Aave protocol borrow from this pool and pay interest. That interest is then passed back to you as a yield (profit) on your Rise account.
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1. Earn yield on USDC held inside Rise

2. No self-custody required

3. No bridging between platforms

4. No external DeFi workflows

5. Fully integrated into your existing payroll experience
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1. Get paid through Rise

2. Allocate a portion of your USDC to Rise Earn

3. Earn yield inside your dashboard

4. Redeem anytime and withdraw in fiat or crypto
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For more information on how to set up your Rise Earn account please follow instructions here: How to Set Up Your Rise Earn Account | Rise Help Center

Simply navigate to the Earn tab in your Rise dashboard. You can transfer funds from your main Rise account into Earn. Note that all funds in Earn are held in USDC to interact with the Aave protocol.

APY (Annual Percentage Yield) is the projected rate of return you’ll earn over a year. Because Rise Earn is powered by a live market, this rate fluctuates throughout the day based on supply and demand. If many people are borrowing USDC, your APY goes up! You can see the current rate at any time on your dashboard.
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Aave is one of the most audited and "battle-tested" protocols in existence. However, unlike traditional bank accounts, DeFi accounts are not FDIC-insured. The primary risks involve the stability of the USDC currency or potential vulnerabilities in the smart contract code (which has been audited by firms like Trail of Bits and OpenZeppelin).
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Rise does not charge a fee to deposit or hold money in Earn. To cover our operational costs, Rise takes a small 1% commission on the interest earned only when you withdraw funds from your Earn account.

Example: If you earned $100 in interest, Rise takes $1, and you keep $99 of pure profit.
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Not yet. To pay an invoice or a team member, you must first transfer the funds back to your main Rise account. This process typically completes within minutes.

Your staked balance is converted back to USD and returned to your Rise Balance — ready to use in minutes. Any applicable fees are deducted at redemption.
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Currently, Rise Earn is not available to users located in New York or Louisiana due to specific state licensing requirements. We are constantly working to expand our services to more regions.
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Currently, Rise Earn is available only on the new Rise Platform. If you are not in the new Rise platform yet, please wait, and soon you will be migrated to this new platform.

Got questions? Don’t hesitate to contact our dedicated team at hello@riseworks.io