// 6M
6 Months
12.00%APR
- Term
- 6 months
- Interest paid
- Monthly
- Payments
- 6
- Minimum
- 100.00 USDT
OGUARD Earn
Fixed terms.
Fixed rates.
Lock USDT for a fixed term and earn a fixed annual rate. Simple interest, paid on a set schedule, with your principal returned at maturity.
3 Years
Longest term · highest rate
36.00%
Annual rate, fixed at the moment you lock.
- Term
- 36 months
- Interest paid
- Quarterly
- Payments
- 12
- Minimum
- 100.00 USDT
01 / The plans
Four terms.
Four rates.
The longer you commit, the higher the rate. Every plan takes USDT, every plan has a 100.00 USDT minimum, and the rate you see is the rate you keep for the whole term.
01
// 1Y
1 Year
18.00%APR
- Term
- 12 months
- Interest paid
- Monthly
- Payments
- 12
- Minimum
- 100.00 USDT
// 2Y
2 Years
24.00%APR
- Term
- 24 months
- Interest paid
- Quarterly
- Payments
- 8
- Minimum
- 100.00 USDT
// 3Y
3 Years
36.00%APR
- Term
- 36 months
- Interest paid
- Quarterly
- Payments
- 12
- Minimum
- 100.00 USDT
| Plan | APR | Term | Payout cadence | Payments | Minimum |
|---|---|---|---|---|---|
| 6 Months | 12.00% | 6 months | Monthly | 6 | 100.00 USDT |
| 1 Year | 18.00% | 12 months | Monthly | 12 | 100.00 USDT |
| 2 Years | 24.00% | 24 months | Quarterly | 8 | 100.00 USDT |
| 3 Years | 36.00% | 36 months | Quarterly | 12 | 100.00 USDT |
02 / How it works
Three steps,
then it runs itself.
Earn draws on your Funding balance — the set-aside side of your account, kept apart from the balance you trade with.
02
-
Move USDT to Funding
Funding is the set-aside balance Earn draws from. If it is short when you lock, the platform moves the difference across for you.
-
Choose a term and lock
Pick a plan and review the exact payout schedule — every date and every amount — before you commit. The rate is then fixed for the life of the position.
-
Claim interest on schedule
Interest becomes claimable on each payout date and lands in your Funding balance when you claim it. Your principal returns to Funding automatically at maturity.
03 / The fine print
The part most
platforms bury.
A locked position is a commitment in both directions. Here is exactly what you are agreeing to before you agree to it.
03
No early exit
Once you lock, funds stay locked until the maturity date. Please only lock funds you will not need during the term.
- No early withdrawal of principal
- No partial unlock
- No unwinding before the maturity date
Simple interest, not compounded
Interest is calculated on your original principal for the whole term. Claimed interest does not re-enter the position.
APR, not APY
Every rate shown is an annual rate. It is set at the moment you lock and does not change for the life of that position.
Interest is claimed, not credited
On each payout date the scheduled interest becomes claimable and waits for you to claim it. There is no deadline — claimable interest does not expire, and interest you leave unclaimed is never forfeited.
Locked funds are set aside
While a position is open its principal is not available for trading or withdrawal. It returns to your Funding balance at maturity.
Rates can move for new locks
Published rates may change for positions opened in future — but never for a position that is already locked.
Settled to the cent
Amounts are handled to the cent and every figure you see is the exact settled amount. Nothing is estimated in your browser.
04 / Frequently asked
Straight answers,
before you lock.
04
Which assets can I lock?
USDT, and only USDT. There is no multi-asset Earn and no staking of other coins.
What is the smallest amount I can lock?
100.00 USDT. That minimum is the same on all four plans.
Can I take my money out early if I change my mind?
No. There is no early withdrawal of principal, no partial unlock and no way to unwind a position before its maturity date. This is the single most important thing to understand before locking.
When do I actually receive interest?
On a fixed schedule — monthly on the 6 Months and 1 Year plans, quarterly on the 2 Years and 3 Years plans. On each payout date the interest becomes claimable, and you claim it into your Funding balance. It is not credited automatically.
What happens on the maturity date?
Your principal is returned to your Funding balance automatically and the position is marked as matured. Any interest you have not yet claimed stays claimable. Positions do not roll over or renew on their own.
Is the advertised rate an APY?
No. Every rate is an annual percentage rate (APR) on simple interest, so a 36.00% three-year plan pays interest on your original principal each period rather than compounding it.
Can I see the exact schedule before I commit?
Yes. The calculator shows the full payout schedule — every date and every amount — for any term and amount, and it works without an account. The same schedule is shown again in the lock flow before you confirm.
Do you offer staking or membership tiers?
Not today. Fixed-term USDT plans are the whole of Earn as it stands, and we would rather say so than list something you cannot open.
OGUARD Earn
Pick a term.
Know the number.
Leave it alone.
Run the schedule first — it costs nothing and needs no account. Lock only once the dates and the amounts look like something you can live with for the full term.