earn direct and earn api

For the complete documentation index, see llms.txt. This page is also available as Markdown.

Not for UK persons. This website and its contents are not directed at persons located in, or resident in, the United Kingdom. They do not constitute a financial promotion within the meaning of section 21 of the Financial Services and Markets Act 2000, and are not approved by an authorised person.

Earn Direct provides institutional and professional clients with a secure route to earn yield on digital assets, under Tesseract Investment Oy's MiCA authorisation and with independent oversight. Tesseract Investment Oy operates the consumer experience, KYC/AML, custody, and asset transfers under its MiCA CASP authorisation. Partners refer users; Tesseract runs the consumer experience, compliance, and distribution. The underlying yield services (such as Institutional Lending) are provided by separate Tesseract entities and are outside the MiCA regulatory perimeter.

Note on custody architecture. Earn Direct and DCV use different custody architectures. Earn Direct uses MiCA-authorised custody through Fireblocks MPC. DCV is non-custodial; the client's assets reside in their own dedicated vault contract.

Key features:

• MiCA-authorised compliance and custody under Tesseract Investment Oy. Institutional Lending is provided by Tesseract Earn Oy and its UK SPVs, applying equivalent governance and risk standards.

• User authentication

• KYC and onboarding

• Wallet connectivity

• Service selection and deposit flow

• Portfolio view and withdraw flow

• Customer support

Key non-functional requirements:

• Geoblocking for restricted usage

• Consumer data management and GDPR compliance

• ISO 27001 and SOC 2 certified technology platform (Tesseract Earn Oy)

Who it's for

Earn Direct serves three primary audiences — each addressed in its own section:

• Institutional Clients — wallet providers, fintechs, exchanges, and brokerages that do not hold the relevant regulatory authorisations in their jurisdiction and partner with a regulated provider to offer yield services to their clients.

• Private Investors — high-net-worth individuals and experienced crypto investors who want yield with full transparency and control.

• Treasury Management — DAOs, Web3 startups, crypto foundations, and enterprises holding crypto on their balance sheet.

Availability. Tesseract Investment Oy does not provide services to persons in the United States, the United Kingdom, the United Arab Emirates, Japan, South Korea, Singapore or Australia. Service availability in other jurisdictions is subject to Tesseract's assessment of applicable regulatory and sanctions requirements.

This website is a marketing communication of Tesseract Investment Oy, a crypto-asset service provider authorised under Regulation (EU) 2023/1114 (MiCA) by the Finnish Financial Supervisory Authority (FIN-FSA). It is directed at institutional counterparties under a non-disclosure agreement with Tesseract. It is not an offer or solicitation.