Overview
The stablecoin market now exceeds $275B in circulating supply and is expected to hit up to $2 Trillion by 2028, yet yield opportunities remain fragmented, inconsistent, and siloed across dozens of blockchains and hundreds of protocols. Traditional institutions — from banks to hedge funds — face significant operational, regulatory, and technological barriers to accessing this yield efficiently.
Earned Network solves this problem by providing a single middleware layer that enables capital to be deployed across DeFi and tokenised real-world asset (RWA) markets — without the need for multiple integrations, custody changes, or manual rebalancing.
Our network acts as the global interoperability layer for stablecoin yield, delivered in three phases: Phase 1 (retail app for proof and performance), Phase 2 (Hosted Yield API for Web3 partners), and Phase 3 (modular institutional infrastructure).
Why On-Chain Now?
Off‑chain markets are fragmented, slow and expensive. Re-allocating between asset classes requires multiple middlemen; capital deployment takes days; custodial cash accounts are costly to access. On‑chain rails flip this: instant movement, interoperable assets, policy enforcement in code. Earned Network is the middleware that makes this accessible to institutions via a single integration.
The Problem
Off‑chain fragmentation: Moving capital across asset classes requires banks/brokers/custodians, adding fees and delays.
Slow deployment: Funds sit idle during transfers and clearing, missing opportunities that on‑chain routing can capture.
Cost of custody: CEDAR‑style custodial accounts are expensive and slow to access, creating opportunity cost.
On-chain Fragmentation
Stablecoin yields exist across multiple chains such as Ethereum, Solana, Polygon, Base, Sui etc.. and asset classes including lending markets, liquidity pools, tokenised treasuries, private credit, real estate-backed assets. Each has its own protocols, liquidity pools wallet systems, and risk profiles.
Operational Overhead
To access multiple opportunities, institutions must:
Set up multiple wallets on multiple chains.
Perform manual swaps and bridges.
Integrate individually with each protocol.
Maintain compliance and monitoring for each position.
Liquidity Inefficiency
Without a unifying layer, capital often sits idle between moves, leading to lost opportunity cost.
The Solution
Core Capabilities
Unified Access Layer → One API and smart contract interface to deploy across chains and yield sources.
Algorithmic Allocation Engine → Routes capital across DeFi and RWA yield pools based on liquidity depth, historical performance, stability, and current yield.
Intelligent Yield Forecasting → Predicts short-horizon returns (up to 24 hours) and adjusts allocations proactively.
Global Vault Infrastructure → Aggregates deposits for optimal transaction cost and liquidity access.
Cross-Chain Interoperability → Adapters for multiple blockchains, with built-in 'bridging' logic.
Architecture Overview
The Earned Network protocol is a hybrid-decentralized system designed to make stablecoin yield infrastructure globally accessible for institutions, fintechs, wallet providers and consumer apps/dapps. It combines open-source smart contracts with proprietary components that handle orchestration, allocation, and cross-chain execution, delivering a single, integrated yield layer.
4.1 API Gateway
One integration unlocks access to every supported yield source.
Handles authentication, request signing, compliance checks, and settlement so businesses can deploy capital without building their own infrastructure.
4.2 Strategy Vaults
Capital is pooled and distributed into markets such as:
Lending Markets
Credit Markets
Tokenised T-Bills
Liquidity Provision
Strategy allocation can be single-chain or multi-chain, giving full flexibility in allocation.
4.3 Allocation Engine
Inputs: Real-time yield data, volatility metrics, liquidity depth, protocol risk scoring.
Logic: Algorithmic allocation within pre-set risk parameters.
Predictive Layer: Proprietary models forecast yield movements to anticipate changes before they occur, positioning capital ahead of market shifts.
4.4 Cross-Chain Layer
Adapters for all supported chains.
Multiple interoperability pathways options (CCIP, CCTP, USDT0 & others) for redundancy and security.
Automatic routing so capital moves to where it can earn most efficiently, no manual bridging needed.
Key Benefits of This Architecture:
Universal yield access via a single API.
Algorithmic allocation backed by predictive modelling.
Full operational abstraction - clients never need to touch DeFi directly.
Last updated