// 6M
6 Months
6.00%
return over 6 months
12.00% APR
You earn on 1,000.00 USDT
60.00 USDT
- Term
- 6 months
- Interest paid
- Monthly
- Payments
- 6
- Per payout
- 1.00% · 10.00
- Minimum
- 100.00 USDT
- You receive
- 1,060.00
OGUARD Earn
Fixed terms.Fixed rates.
Lock USDT for a fixed term, or lend it to the liquidity pool for as little as 12 hours. Every plan shows the exact return you get for the period — not just an annual rate.
- USDT only
- Minimum 100.00 USDT
- Return shown per period
01 / The plans
Four terms. Four returns.
The longer you commit, the higher the rate. Each card shows the total return over the term and what each payout is worth, so you can see exactly what you will earn.
USDT
// 1Y
1 Year
18.00%
return over 12 months
18.00% APR
You earn on 1,000.00 USDT
180.00 USDT
- Term
- 12 months
- Interest paid
- Monthly
- Payments
- 12
- Per payout
- 1.50% · 15.00
- Minimum
- 100.00 USDT
- You receive
- 1,180.00
// 2Y
2 Years
48.00%
return over 24 months
24.00% APR
You earn on 1,000.00 USDT
480.00 USDT
- Term
- 24 months
- Interest paid
- Quarterly
- Payments
- 8
- Per payout
- 6.00% · 60.00
- Minimum
- 100.00 USDT
- You receive
- 1,480.00
// 3Y
3 Years
108.00%
return over 36 months
36.00% APR
You earn on 1,000.00 USDT
1,080.00 USDT
- Term
- 36 months
- Interest paid
- Quarterly
- Payments
- 12
- Per payout
- 9.00% · 90.00
- Minimum
- 100.00 USDT
- You receive
- 2,080.00
Every figure is fixed at the moment you lock. Simple interest on your original principal.
| Plan | Return over term | APR | Term | Payout cadence | Per payout | You earn | Minimum |
|---|---|---|---|---|---|---|---|
| 6 Months | 6.00% | 12.00% | 6 months | Monthly | 6 × 1.00% | 60.00 USDT | 100.00 USDT |
| 1 Year | 18.00% | 18.00% | 12 months | Monthly | 12 × 1.50% | 180.00 USDT | 100.00 USDT |
| 2 Years | 48.00% | 24.00% | 24 months | Quarterly | 8 × 6.00% | 480.00 USDT | 100.00 USDT |
| 3 Years | 108.00% | 36.00% | 36 months | Quarterly | 12 × 9.00% | 1,080.00 USDT | 100.00 USDT |
02 / Lending Liquidity
Lend to the pool. Earn by the hour.
Supply USDT to the OGUARD liquidity pool for 12 hours up to a full quarter. Rewards accrue every hour at 4.00% per month and are credited to your Funding balance automatically — no claiming, and you can redeem early.
- Reward rate
- 4.00% / month
- Rewards accrue
- Every hour
- Credited
- Every 24h & at end
- Early redemption
- Any time
- Minimum
- 100.00 USDT
Pool capacity62.4% · 3,120,000.00 / 5,000,000.00 USDT
| Period | Duration | Return for period | Reward on 1,000.00 USDT | You receive | Credited | Minimum |
|---|---|---|---|---|---|---|
| 12 Hours | 12 hours | 0.0667% | 0.66 USDT | 1,000.66 USDT | At end | 100.00 USDT |
| 1 Day | 1 day | 0.1333% | 1.33 USDT | 1,001.33 USDT | At end | 100.00 USDT |
| 7 Days | 7 days | 0.9333% | 9.33 USDT | 1,009.33 USDT | Daily + at end | 100.00 USDT |
| 15 Days | 15 days | 2.00% | 20.00 USDT | 1,020.00 USDT | Daily + at end | 100.00 USDT |
| Monthly | 30 days | 4.00% | 40.00 USDT | 1,040.00 USDT | Daily + at end | 100.00 USDT |
| Quarterly | 90 days | 12.00% | 120.00 USDT | 1,120.00 USDT | Daily + at end | 100.00 USDT |
Pool rules
Hourly accrual, automatic credit
Rewards accrue every full hour from the moment you subscribe. They are credited to your Funding balance every 24 hours and at the end of the period. Nothing to claim.
Redeem early, any time
Remove your liquidity whenever you want. Your principal returns to Funding right away. You keep every reward already credited; rewards accrued since the last credit are forfeited.
Rate fixed for your period
The 4.00% monthly rate is applied pro rata to the length you choose and locked in when you subscribe. Changes only apply to new subscriptions.
Simple, not compounded
Rewards are calculated on your original amount for the period. With auto-renew on, the next period starts on principal plus reward.
Pool and per-user limits
The pool has a total capacity and each account has a maximum. Subscriptions are filled first come, first served until the pool is full.
Settled to the cent
Rewards are settled to the cent and rounded down. The amount you see before you subscribe is the amount you get for a full period.
Fixed plans vs Lending Liquidity
| Fixed-term plans | Lending Liquidity | |
|---|---|---|
| Periods | 6 months to 3 years | 12 hours to 3 months |
| Rate | 12.00% – 36.00% APR | 4.00% per month, pro rata |
| Early exit | Not allowed | Any time; unsettled accrual forfeited |
| How you get paid | Claim on each payout date | Credited automatically every 24h and at end |
| Accrual | Per payout period | Every hour |
| Renewal | Does not roll over | Optional auto-renew |
| Minimum | 100.00 USDT | 100.00 USDT |
03 / 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.
Move USDT to Funding
Funding is the set-aside balance Earn draws from. If it is short when you lock or subscribe, the platform moves the difference across for you.
Choose a plan or period
Pick a fixed term or a liquidity period and review the exact return and every amount before you commit. The rate is then fixed for your position.
Get paid on schedule
Fixed plans: claim interest on each payout date. Lending Liquidity: rewards land in Funding automatically. Principal returns to Funding at the end.
04 / The fine print
The part most platforms bury.
These terms apply to fixed-term plans. Lending Liquidity follows the pool rules in section 02.
No early exit on fixed plans
Once you lock a fixed-term plan, 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
Need flexibility? Lending Liquidity lets you redeem at any time.
Simple interest, not compounded
Interest is calculated on your original principal for the whole term. Claimed interest does not re-enter the position.
Return shown per period
Each plan shows the total return over its term and per payout, alongside the annual rate (APR). The rate is set when you lock and does not change.
Interest is claimed, not credited
On each payout date the scheduled interest becomes claimable. Claimable interest does not expire and 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.
05 / Frequently asked
Straight answers, before you commit.
Fixed-term plans
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 plans, including Lending Liquidity.
Can I take my money out of a fixed plan early?
No. There is no early withdrawal of principal, no partial unlock and no way to unwind a fixed position before its maturity date. If you may need the funds, use Lending Liquidity instead.
What does "return over term" mean?
It is the total interest you earn across the whole term as a percentage of what you lock. A 1 Year plan at 18.00% APR returns 18.00%; a 3 Years plan at 36.00% APR returns 108.00%, paid in 12 quarterly payments of 9.00% each.
When do I receive interest on a fixed plan?
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.
What happens on the maturity date?
Your principal is returned to your Funding balance automatically. Any interest you have not yet claimed stays claimable. Fixed positions do not roll over.
Lending Liquidity
How is the reward for each period calculated?
4.00% per month, applied pro rata by the hour on a 30-day month: 12 hours returns 0.0667%, 1 day 0.1333%, 7 days 0.9333%, 15 days 2.00%, monthly 4.00% and quarterly 12.00%.
Do I need to claim my rewards?
No. Rewards accrue every hour and are credited to your Funding balance automatically every 24 hours and at the end of the period.
Can I redeem before the period ends?
Yes, at any time. Your principal returns to Funding immediately. You keep every reward already credited; rewards accrued since the last credit are forfeited.
What does auto-renew do?
At the end of the period your principal and reward start the same period again at the rate in effect then. Turn it off any time before the period ends.
What happens if the pool is full?
New subscriptions pause until capacity frees up. Existing positions are not affected.
OGUARD Earn
Pick a period. Know the number.Let it run.
Every plan shows the exact return and reward before you commit. Lock for a fixed term, or lend to the pool when you want to stay flexible.