Where your cash sits
The cash infrastructure runs through our partnership with Stripe, which provides institutional-grade settlement and treasury management. The rewards are funded by Onramp.
Cash in your Earn account is available on demand. No lockups, no withdrawal windows, no notice periods. You can move cash into bitcoin, into gold, out to a linked bank, or spend it through the Onramp Finance card at any time.
What Earn is not
It is not a bank account. Onramp Finance is not a bank, and cash balances are not deposits. The rewards program is not interest, not APY, and not APR. It is a rewards program funded by Onramp.
It is not FDIC insured. Because the cash balance is not a bank deposit, FDIC insurance does not apply. Stripe, through whom our cash infrastructure runs, operates under its own regulatory framework for client funds.
It is not a fixed rate. The tier rates published above are the rates Onramp is currently offering. Onramp reserves the right to adjust rates. If a rate changes, holders will be notified in advance.
It is not guaranteed. Rewards depend on tier eligibility, on the continued operation of the program, and on Onramp's ability to fund them. Program terms may be modified or discontinued with notice.
Onramp Finance is not a bank. Cash balances are not deposits and are not FDIC insured. Rewards are funded by Onramp through our partnership with Stripe and are subject to the Onramp Finance Rewards Program Terms. Rewards are discretionary marketing incentives funded by Onramp and are not guaranteed. The program may be modified, suspended, or discontinued at any time. Tier rates are current as of publication and subject to change. Nothing in this post constitutes investment, tax, or legal advice.