# FAQ

Frequently asked questions about Earn API and Earn Direct. For DCV-specific questions, see [Dedicated Client Vaults → FAQ](/dedicated-client-vaults/faq.md).

### General

**How does the Earn API platform work?**  
The platform enables partners to establish cryptocurrency accounts, deposit funds, and generate interest earnings. Many partners leverage this service on behalf of their own customer base.

**How do I connect to the API?**  
Partners require API credentials (Client ID and Client Secret) to obtain bearer tokens. Detailed connection instructions are available at the [API documentation portal](https://earn-api.partner.env.tesseractinvestment.dev/docs/).

**How do I create a deposit or withdrawal?**  
Account creation precedes any deposit activity, organized by product type and user. Once established, the deposit and withdrawal endpoints manage capital transfers. Actual asset movements occur daily; these operations function as accounting transactions. Withdrawals require positive account balances, with actual transfers completing at cycle end.

**How do I settle the outstanding balance with Tesseract?**  
Deposits and withdrawals net against each other. Negative balances require partner asset transfers to Tesseract; positive balances receive automatic or manual transfers based on approval thresholds. See [Settlements](/earn-direct-and-earn-api/earn-api/settlements.md).

**How do I get reports out of the system?**  
Daily reports generate at accounting-cycle completion. See [Working with Reports](/earn-direct-and-earn-api/working-with-reports.md).

**Are there any fixed fees for using the platform?**  
No — there are no fixed costs or partner transaction fees.

**How does Tesseract make money?**  
When Tesseract gives you the rates, its share has already been discounted from the fixed interest rate.

**Who pays the network fees?**  
The party initiating the transfer bears the network costs.

**How do you handle decimals?**  
All currencies use 18-decimal precision throughout the system, supporting values down to `1e-18`. Interest below this threshold is rounded, with zero results not distributed.

### Partner questions

**If we don't have any users, how do we integrate?**  
Create a company-representative user with per-currency accounts for capital deployment.

**Why don't we as a partner have an account?**  
User accounts must exist before company accounts can function.

**Are you staking our assets?**  
Staking occurs upon mutual agreement.

**Why don't our users just send you the Bitcoin?**  
The platform is built as a B2B(2C) platform. To simplify operations and save gas fees, end users don't send assets on their own — settlement happens between partner and Tesseract.

**How do we withdraw the interest we earn as a partner?**  
Daily settlement typically applies. Partners without users may create per-currency accounts with matching interest rates to access interest via withdrawals.

**Can we settle or transfer our partner margin on a non-daily basis, separate from user transactions?**  
No — the system prioritizes cost-efficiency while providing comprehensive settlement data.

**Can Tesseract suspend, ban, or delete users?**  
Partners retain this authority.

**Are products fixed? Is it safe to save products for future calls?**  
Yes — product IDs remain constant within each environment.

**Is `/users/{userId}/account` available in production?**  
No — partners should maintain transaction records internally and reconcile daily reports containing system-generated interest transactions.

**What is the `*Correction` transaction type?**  
A correction transaction is a transaction that negates a previous transaction.

**Is account balance affected immediately after deposit or withdrawal calls?**  
Yes — however, user-facing balances should derive from partner systems.

**What does the usual settlement flow look like?**  
Use the `/outstanding-balance` endpoint for settlement verification.

**When do blockchain transfers to partners occur?**  
Transfers from Tesseract's system are automatically initiated during the daily accounting cycle.

**When should partners initiate blockchain transfers?**  
Within 24 hours following daily accounting completion.

**If settlement occurs after midnight, do users wait longer to earn interest?**  
Users begin earning immediately upon successful deposit. Interest accrual on withdrawals excludes the final day.

**Is the outstanding balance updated only daily?**  
Yes — however, interest accrual begins immediately upon successful API deposit.

**Can accounting use UTC instead of +2 timezone?**  
Timezone configuration accommodates partner preferences.

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