Earn
Idle balances don’t have to sit still.
Direct part of your balance into a lending vault that meets published criteria. You keep custody the entire time, you initiate every allocation yourself, and you can see exactly where the return comes from.
Rates are variable and there is real risk of loss. We do not recommend, rank, or preselect anything — and we do not quote a rate here, because any number printed on a marketing page is out of date the moment it is published. You will see the live rate, its source, and its date in the product before you commit anything.
How it works
You stay in control of it.
This is deliberately not a product that manages money on your behalf. It is an interface onto a public lending market, and every decision inside it is yours.
- 01
Your funds stay yours
Allocations are made from a smart account that you control. StructureFlow does not hold these funds, cannot move them without your authorisation, and is not a counterparty to your position.
- 02
You choose, every time
Nothing is allocated automatically and nothing is swept by default. You initiate every allocation and every withdrawal yourself.
- 03
You withdraw when you want
Withdrawals are subject to the liquidity available in the venue at the time you ask. We show you what is available before you commit, and we confirm the destination before anything is signed.
Where the return comes from
One sentence, and no mystery.
Overcollateralized borrowers paying variable interest on a lending market, through a vault curated by a named risk manager.
That is the entire mechanism. There is no subsidy from us, no share of anyone’s reserves, and no promotional rate funded to win your balance. When borrowing demand falls, the rate falls with it — which is exactly why we will not print one here.
Every position shows you the venue, the risk manager who curates it, and where the rate is sourced from. If you want to verify any of it independently, you can.
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How options get on the list
Published criteria, not our opinion.
An option appears because it meets every criterion below. It is not there because we like it, were paid to list it, or think you should choose it. Nothing is ranked, nothing carries a “recommended” badge, and nothing is selected for you.
If an option stops meeting the criteria, it comes off the list and anyone holding a position is told why.
- 01The venue is an established lending market with a public, auditable history.
- 02The vault has a named risk manager who publishes its parameters and its holdings.
- 03Positions are overcollateralized — borrowers post more than they take.
- 04Withdrawal terms are published, with no lockup imposed by us.
- 05The venue has been independently audited, and the audit is public.
Read this part
What Earn is not.
An account with a balance and a rate next to it looks like a savings product. It is not one, and the differences matter more than the similarities.
- Not a deposit, and not insured
- Your balance is not a bank deposit. It is not insured by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation, or any other government agency. No party guarantees your balance.
- Not fixed, and not guaranteed
- Rates are variable, change continuously, and are not guaranteed. Past rates say nothing about future rates.
- Not free of risk
- You could lose money, including the full amount you allocate. These are not deposits, they are not insured, and no party guarantees your balance.
- Not a recommendation
- StructureFlow does not recommend any option. Options appear because they meet published criteria, they are presented without ranking, and none is preselected. Choosing is yours.
- Not our obligation
- Your position is with the lending venue, not with StructureFlow. We do not fund, backstop, subsidise, or top up any rate.
- Not investment advice
- StructureFlow LLC is a separate company from Structure Wealth Partners LLC, a state-registered investment advisor. StructureFlow does not provide investment, tax, or legal advice.
What we charge
We charge a management fee on the amount you allocate. It is shown to you, as a rate and as an amount, before you confirm anything.
We are not paid by any venue to list it, and we take no share of anyone else’s revenue for pointing you at them. Our fee is the only thing we make here, and you will see it before you decide.
Availability
Earn opens alongside your account, once verification is complete.
It is not available in every jurisdiction, and we may withhold or withdraw it where we cannot offer it properly. StructureFlow is not yet open to the public. Access is by request, and availability depends on where you are located and on the outcome of our verification checks.
Want it when it opens?
Earn comes with the account. Ask for access and tell us what you are trying to solve.
Nothing on this site is investment, tax, or legal advice, or an offer or solicitation to buy or sell any security. StructureFlow LLC is not a bank and does not take deposits. Allocating to a lending venue puts your funds at risk, including the risk of losing the full amount. Consider whether it is appropriate for you, and speak to your own advisors — not to us — about whether it is.