Earn Terms

These Earn Terms are an addendum to the master Terms and Conditions and govern your use of the Earn Program provided by 3-102-942115, SOCIEDAD DE RESPONSABILIDAD LIMITADA (Corporate ID: 3-102-942115), a private limited liability company incorporated under the laws of Costa Rica (operating as "Cashaa").

• "Earn Program": The fixed-term digital asset yield product offered by Cashaa designed for both stablecoins and crypto assets.
• "Depositor": A user who places digital assets into a fixed-term position within the Earn Program.
• "APY (Annual Percentage Yield)": The effective annual rate of return including the effect of compounding interest (applicable to stablecoins).
• "APR (Annual Percentage Rate)": The annual rate of return without compounding (applicable to BTC, ETH, and Altcoins).
• "Maturity Payout": Interest and principal paid in full at the end of the selected term.
• "Quarterly Payout": Interest paid every three months throughout the term at a reduced rate.

Earn deposits are supported for:

• USDT
• USDC
• BTC
• ETH
• Approved Top-10 Altcoins (Revised at regular intervals)

Cashaa utilizes distinct engines to generate returns based on the asset class:

• Stablecoins (USDT/USDC): Returns are generated via a hybrid model consisting of Borrow interest spreads, trading on collateral, and institutional credit for terms of 15 months or longer.
• Crypto Assets (BTC, ETH, Altcoins): Returns are generated through a trading-only model. These assets are NOT used for lending and have zero lending exposure.

Stablecoin deposits offer increasing yields based on the length of the commitment:

Crypto deposits are limited to a maximum term of 12 months.

VI.1 BTC and ETH Deposits

• Maturity APY: Ranges from 5% (3 months) up to 11% (12 months).
• Quarterly APY: Ranges from 4.5% (3 months) up to 9.9% (12 months).

VI.2 Altcoin Deposits

• Supported Assets: SOL, BNB, AVAX, MATIC, XRP, ADA, DOT, ATOM, LINK, TRX.
• Maturity APY: Ranges from 8% (3 months) up to 11% (12 months).
• Quarterly APY: Ranges from 7.2% (3 months) up to 9.9% (12 months).

• Minimum Entry: A minimum deposit of $50 equivalent is required for all Earn positions.
• Payout Currency: All interest and principal payouts are made in the same currency as the original deposit.
• Lock-up Period: All deposits are subject to a mandatory lock-up for the full selected term.
• No Early Withdrawal: The Earn Program does not allow for early withdrawals or on-demand liquidity prior to the maturity date.
• Fees: Cashaa charges $0 fees for Earn deposits and $0 fees for withdrawals at maturity. (only applicable network fee may apply)

• Review Cycle: Yield rates (APR/APY) are reviewed every 30–60 days to reflect market conditions.
• Non-Retroactive: Adjustments apply only to new deposit contracts. Existing locked deposits will retain their originally agreed-upon rates until the end of the term.

• Not Risk-Free: Earn products involve market and trading risks.
• Revenue Diversification: Stablecoin yields are supported by multiple revenue streams (lending spreads and institutional credit).
• Trading Risk: Crypto Earn yields (BTC, ETH, Altcoins) are exclusively tied to trading performance.
• No Token Requirement: High-yield tiers are available to all users without the requirement to hold or stake native tokens.

• The Earn Program, these Earn Terms, and any disputes arising from your participation in fixed-term digital asset yield products shall be governed exclusively by the laws of the Republic of Costa Rica, without regard to conflict of law principles.
• No Token Requirement: High-yield tiers are available to all users without the requirement to hold or stake native tokens.
• Rates apply uniformly to all users
• Products operate under Cashaa’s automated risk framework