As decentralized finance (DeFi) continues to expand rapidly, users face increasing challenges—complex operations, high entry barriers, and unclear yield sources. BenPay DeFi Earn solves these problems by providing a unified and simple gateway to top multi-chain DeFi protocols. With just a few clicks, you can deploy assets into carefully selected yield strategies while maintaining full self-custody.
This guide will walk you through how BenPay DeFi Earn works, how each investment target generates yield, and how you can begin your DeFi earning journey with ease.
What Is BenPay DeFi Earn?
BenPay DeFi Earn is an aggregated multi-chain yield platform designed to simplify your DeFi experience. It helps users:
- Access vetted DeFi protocols through a single interface
- Reduce operational complexity
- Maintain complete control of their assets
- Invest and redeem anytime, without lock-ups
Think of it as your personalized “DeFi Yield Marketplace,” where the best opportunities are pre-selected for you.
Understanding Yield Sources: A Breakdown of Three Main Investment Targets
BenPay DeFi Earn currently integrates multiple major protocols, primarily:
- Solana USD DeFi Earn (Unitas Protocol)
- AAVE USDT/USDC DeFi Earn
- Compound USDT/USDC DeFi Earn
Below, we explain how each product generates yield and what role you play within the protocol.
1. Solana USD DeFi Earn: An Automated Spread-Capturing Market-Maker
Reference protocol: Unitas Protocol
Source: https://unitas.so/
Yield Sources
- Primary: Trading fees and protocol revenue sharing
- Secondary: Hedging gains, trader losses, spread differentials
Key advantage:
Yield is tied to trading activity—not crypto price movements—making returns relatively stable regardless of market volatility.
How It Works
- Users deposit USDT/USDC
- Receive soft-pegged stablecoin USDu
- Stake USDu to receive sUSDu, an interest-bearing token
- The protocol allocates pooled funds to act as a counterparty to traders
- Liquidity providers receive up to 75% of trading fees from platforms like Jupiter
- Risk-hedging instruments ensure consistent returns
In simple terms:
You act like a market maker, earning from trading volume and fee rebates—similar to shareholders of a brokerage firm.
2. AAVE & Compound DeFi Earn: On-Chain “Bank Deposits” Powered by Lending Markets
These are the most established and widely used lending protocols in the DeFi space.
Includes:
- AAVE USDT/USDC DeFi Earn
- Compound USDT/USDC DeFi Earn
Yield Source
- Interest paid by borrowers
- Most interest goes to depositors; a small portion is retained by the protocol
Feature:
Borrowing demand increases during bull markets, which leads to higher yields for depositors.
How It Works
- You deposit stablecoins into the protocol’s liquidity pool
- Other users borrow from the pool by posting collateral
- Borrowers pay interest, which you earn proportionally
- The protocol automatically manages collateral ratios and liquidation risks
In simple terms:
You are playing the role of a bank depositor, earning lending interest from borrowers.
Product Comparison: Which One Should You Choose?
| Project | Core Difference | User Role | Main Yield Source | Real-World Analogy |
|---|---|---|---|---|
| Solana (Unitas) | Growth-focused | Market maker/liquidity provider | Trading fees, protocol revenue | Shareholder of a securities firm |
| AAVE/Compound | Stable & reliable | Bank deposit customer | Lending interest | Traditional savings account |
Choosing Your Strategy
- Earn from trading activity regardless of bull/bear markets → Solana USD DeFi Earn
- Earn from borrowing demand, usually higher in bull markets → AAVE/Compound DeFi Earn
Important Notice
All yields offered through BenPay DeFi Earn come from third-party on-chain protocols. Yields fluctuate based on market conditions and protocol behavior.
Past performance does not guarantee future returns.
All on-chain products carry inherent risks associated with market volatility. Always assess your risk tolerance before investing.
Key Concepts Every User Should Know
Investment Target
Carefully selected asset-generating protocols such as AAVE or Compound stablecoin pools.
Annualized Yield
A dynamic value reflecting potential yearly returns based on current market conditions.
Investment Token
All BenPay DeFi Earn products currently use BUSD (BenFen’s 1:1 USD-pegged stablecoin).
How to Use BenPay DeFi Earn: Step-by-Step Guide
Follow these simple steps to make your first investment.
Step 1: Create & Connect Your BenPay Wallet
- Visit: https://www.benpay.com
- Click Connect Wallet
- Log in using Google/Apple (recommended)
- Your wallet will be created automatically
(For other login methods, refer to the detailed guide.)
Step 2: Deposit BUSD
BenPay investments require BUSD.
To get BUSD:
- Transfer USDT/USDC to your BenPay wallet
- The system automatically converts it to BUSD at a 1:1 fixed rate
Supported networks:
ETH / BSC / Polygon / Optimism / Arbitrum / Avalanche / Base / SOL / TRON
Deposit instructions:
- Click Deposit → Cryptocurrency Top Up
- Or go to Dashboard → Cross-chain Deposit
- Select coin (USDT/USDC) and network
- Scan the QR code or copy the address to deposit
Once the transfer arrives, you’ll receive the equivalent amount in BUSD.
Step 3: Make Your Investment
- Visit: https://www.benpay.com/defi-earn/
- Browse available investment targets
- Click Invest
- Enter the amount and confirm with your wallet password
Your assets will immediately begin generating yield.
How to Redeem
You can redeem anytime—there are no lock-ups.
- Open your investment’s detail page
- Click Redeem
- The system will calculate your principal + earnings
- Confirm redemption with your wallet password
Your redeemed BUSD will return to your wallet instantly.
Security & Trust Guarantee
BenPay is committed to providing a secure and user-friendly Web3 experience:
- BenFen chain core contracts audited by SlowMist
- Backed by industry leaders, including Bixin Ventures
- Continuous investment in infrastructure reliability and fund safety
You can invest with confidence knowing the ecosystem is professionally audited and supported.
Conclusion: BenPay DeFi Earn Makes DeFi Yield Truly Accessible
Whether you’re a beginner or an experienced DeFi user, BenPay DeFi Earn simplifies yield-generating strategies across multiple networks:
- Easy access to top-tier DeFi protocols
- Transparent yield sources
- Flexible investments with no lock-ins
- Choices for both conservative and growth-oriented users
If you want a platform that streamlines DeFi without sacrificing decentralization or asset control, BenPay DeFi Earn is an excellent place to start.