Earn - Blockradar

In a nutshell
Blockradar Earn lets you put idle stablecoins to work and grow them over time — similar to a high-yield savings account, but non-custodial: funds move from your own wallet, Blockradar never pools or holds them, and you can withdraw any portion at any time.

How It Works

Idle stablecoins normally just sit in your wallet. Earn moves a chosen amount into an earning strategy where it accrues interest continuously, and returns it to your wallet whenever you withdraw. You keep all of your original deposit — Earn simply grows it.

You stay in control

Funds move from your own wallet. Blockradar never takes custody or mixes your money with anyone else’s.

Earns automatically

Interest accrues continuously, around the clock — there’s nothing to manage.

Withdraw anytime

Take out part or all whenever you like. There is no lock-up period.

Three Steps

Deposit

Pick an asset, an amount, and an earning style (Regulated or DeFi). Your funds move into the strategy. Depositing is free.

Earn

Your balance grows on its own as interest accrues. The live value is reflected in your position.

Withdraw

Take out some or all, anytime. You receive exactly the amount you ask for — the fee is drawn from earnings, never your principal.

The Two Earning Styles

When you deposit, you choose one of two styles. They route your funds to different trusted, interest-bearing venues. Available styles depend on the network your wallet is on.

Regulated

Yield through a regulated, more conservative provider (Fija). A good fit if you prefer the regulated route.Available on: Ethereum

DeFi

Yield through Aave — one of the largest, most established and battle-tested lending protocols in crypto.Available on: Ethereum, Base, Arbitrum, Optimism, Polygon

	Regulated	DeFi
Provider	Fija	Aave
Profile	More conservative, regulated route	Established on-chain lending protocol
Returns	Variable	Variable (market-driven)
Networks	Ethereum	Ethereum, Base, Arbitrum, Optimism, Polygon

Both styles are non-custodial and earn yield — the choice is about which route you prefer. The dashboard only surfaces the styles that are valid for your wallet’s network.

Prerequisites

API Key

Get your API key from the Blockradar Dashboard. Navigate to Developers to generate one.

Master Wallet Created

Create a master wallet via the Create Wallet API or dashboard. Earn positions are funded from your wallet balances.

Earn Feature Enabled

Ensure the Earn feature is enabled on your account. Contact [email protected] if you need to activate it.

Sufficient Balance

Fund the wallet with the stablecoin you intend to deposit, plus native tokens to cover on-chain network fees.

Fees

Blockradar only earns when you earn. The fee is a small share of the interest generated — and that is the only thing it ever applies to.

Your deposit is always 100% yours. Blockradar never takes a cut of the principal you put in — only a slice of the interest it generates.

Example — you deposit $1,000 and it earns $50 of interest over time:

	Amount
Your deposit (always yours)	`$1,000`
Interest earned	`$50`
Your share of interest (~80%)	`$40`
Blockradar’s share (~20%)	`$10`
You receive	`$1,040`

At a 5% rate you keep roughly 80% of the interest. The exact split depends on the rate, and on small yields Blockradar never takes more than half the interest.

Everything shown in the dashboard is already net of the fee — the balance, interest, and rate (APY) you see are the real numbers you’ll receive. There are no surprises at withdrawal time.

Withdrawals

When you withdraw, you specify the amount you want to receive. Blockradar draws the small fee from the earnings on top, so the amount that lands in your wallet is precisely what you asked for. Choosing withdraw all closes the position and sends you everything that’s left (deposit + all accrued interest).

What You Can Track

Balance

What your position is worth right now — deposit plus interest, already net of the fee.

Interest earned

How much you’ve earned — today, this week, and over the lifetime of the position.

Rate (APY)

The yearly rate you’re earning, shown as your net rate after the fee.

Safety & Reliability

Non-custodial

Funds move from your own wallet straight into the strategy. Blockradar never takes custody.

Established protocols

Funds go to trusted yield sources — a regulated provider (Fija) or Aave, a leading DeFi protocol.

No lock-up

No waiting period. Withdraw part or all at any time.

Several safeguards run in the background to keep balances and fees correct:

Rate fallback — if a rate source briefly hiccups, a recent known rate is used so fees and balances are never wrong.
Safe retries — interrupted transactions are retried idempotently; funds are never lost or double-spent.
On-chain reconciliation — your displayed balance is reconciled against the real on-chain balance.

Yields are variable — rates can rise or fall over time — and DeFi carries the usual smart-contract risks that come with any on-chain protocol. Your deposit is never charged a fee, but as with any investment, returns are not guaranteed.

Using the API

The feature is exposed under the rewards resource. All requests are authenticated with your API key via the x-api-key header. The strategy is selected with a type field:

regulated — Fija (an ERC-4626 vault)
defi — Aave

Amounts are always passed as strings. Deposits and withdrawals are asynchronous: each returns a PENDING transaction, and completion is delivered via webhook.

Most endpoints accept an optional addressId to scope the operation to a sub-address. Omit it to act on the master wallet.

1. Discover what’s available

Before depositing, check which strategies a chain supports and which of a wallet’s assets are reward-eligible (along with each strategy’s current APY).

curl --request GET \
  --url https://api.blockradar.co/v1/rewards/supported-chains \
  --header 'x-api-key: <api-key>'

Supported chains response

{
  "message": "Supported reward chains retrieved successfully",
  "statusCode": 200,
  "data": {
    "all": ["ethereum", "base", "arbitrum", "optimism", "polygon"],
    "byType": {
      "regulated": ["ethereum"],
      "defi": ["ethereum", "base", "arbitrum", "optimism", "polygon"]
    }
  }
}

2. Preview the network fee (optional)

Estimate the on-chain network fee and check the wallet’s native balance before committing. This does not move funds.

curl --request POST \
  --url https://api.blockradar.co/v1/wallets/{walletId}/rewards/deposit/network-fee \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '{
    "assetId": "b1deda8d-7609-4895-b584-e8ef1f13e354",
    "amount": "1000",
    "type": "defi"
  }'

Response

{
  "message": "Network fee fetched successfully",
  "statusCode": 200,
  "data": {
    "networkFee": "0.00006779052",
    "networkFeeInUSD": "0.14371725",
    "nativeBalance": "0.000929309612767174",
    "nativeBalanceInUSD": "1.97015496",
    "estimatedArrivalTime": 30,
    "transactionFee": "0"
  }
}

The same preview is available for withdrawals at POST /v1/wallets/{walletId}/rewards/withdraw/network-fee.

3. Deposit

Move an asset into an earning strategy. Depositing is free — the fee only ever applies to interest earned.

curl --request POST \
  --url https://api.blockradar.co/v1/wallets/{walletId}/rewards/deposit \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '{
    "assetId": "b1deda8d-7609-4895-b584-e8ef1f13e354",
    "amount": "1000",
    "type": "defi",
    "reference": "order_12345",
    "metadata": {}
  }'

Body Parameters

Parameter	Type	Required	Description
`assetId`	string (UUID)	Yes	The asset to deposit. Must be reward-supported (see step 1).
`amount`	string	Yes	Amount to deposit. Must be greater than 0.
`type`	string	Yes	Strategy class: `regulated` (Fija) or `defi` (Aave).
`reference`	string	No	Client reference, validated for uniqueness.
`metadata`	object	No	Custom metadata echoed back on the transaction.
`addressId`	string (UUID)	No	Scope to a sub-address. Omit to use the master wallet.

Response

{
  "message": "Rewards Deposit initiated successfully",
  "statusCode": 200,
  "data": {
    "id": "47ae3a92-4d36-4807-af9e-b83a4eb08d69",
    "reference": null,
    "amount": "1000",
    "amountPaid": "1000",
    "status": "PENDING",
    "type": "REWARD_DEPOSIT",
    "createdAt": "2026-06-03T13:58:33.222Z",
    "asset": {
      "symbol": "USDC",
      "decimals": 6,
      "blockchain": { "slug": "base", "name": "base" }
    }
  }
}

4. Track positions and earnings

Positions are aggregated per strategy and include live balance, APY, deposited principal, and earnings (today / this week / lifetime) — all already net of the fee.

curl --request GET \
  --url https://api.blockradar.co/v1/wallets/{walletId}/rewards \
  --header 'x-api-key: <api-key>'

Position response

{
  "message": "Wallet rewards retrieved successfully",
  "statusCode": 200,
  "data": [
    {
      "type": "defi",
      "apy": "2.41",
      "balance": "4.365017",
      "balanceInUSD": "4.365017",
      "totalDeposited": "4.360000",
      "totalDepositedInUSD": "4.360000",
      "earnings": "0.005017",
      "earningsInUSD": "0.005017",
      "todayEarnings": "0.000187",
      "weeklyEarnings": "0.001312",
      "lifetimeEarnings": "0.026492",
      "lifetimeEarningsInUSD": "0.026492",
      "asset": {
        "id": "2f6298ec-81ca-44f4-a8f2-cc045a46d28c",
        "isActive": true,
        "asset": {
          "id": "b1deda8d-7609-4895-b584-e8ef1f13e354",
          "name": "USD Coin",
          "symbol": "USDC",
          "decimals": 6,
          "currency": "USD",
          "network": "mainnet",
          "blockchain": { "name": "base", "slug": "base", "symbol": "eth" }
        }
      }
    }
  ]
}

Position Fields

Field	Description
`type`	Strategy class the position belongs to (`regulated` or `defi`).
`apy`	Current net annual percentage yield, after the fee.
`balance`	Live position value (principal + accrued interest), net of the fee.
`totalDeposited`	Principal deposited into the position.
`earnings`	Interest accrued on the position so far.
`todayEarnings`	Interest accrued today.
`weeklyEarnings`	Interest accrued this week.
`lifetimeEarnings`	Interest accrued over the lifetime of the position (including amounts already withdrawn).
`*InUSD`	The USD-converted value of the corresponding field.
`asset`	The wallet asset the position is held in, with its blockchain and network.

/v1/rewards returns the same shape aggregated across all wallets in your business, while /v1/wallets/{walletId}/rewards scopes to a single wallet. Pass assetId to either wallet endpoint to return a single position object instead of an array.

5. Withdraw

The amount is the net amount you receive — Blockradar grosses up the redemption so the fee is taken from realized yield only. Pass "max" to fully exit and close the position.

curl --request POST \
  --url https://api.blockradar.co/v1/wallets/{walletId}/rewards/withdraw \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '{
    "assetId": "b1deda8d-7609-4895-b584-e8ef1f13e354",
    "amount": "500",
    "type": "defi"
  }'

Body Parameters

Parameter	Type	Required	Description
`assetId`	string (UUID)	Yes	The asset to withdraw.
`amount`	string	Yes	Net amount to receive, or `"max"` for a full exit.
`type`	string	No	Strategy class: `regulated` or `defi`.
`address`	string	No	External destination address. Omit to credit the signer (master wallet or sub-address).
`reference`	string	No	Client reference.
`metadata`	object	No	Custom metadata.
`addressId`	string (UUID)	No	Scope to a sub-address. Omit to use the master wallet.

Transaction Lifecycle

Both deposit and withdrawal are asynchronous. The initiating call returns a transaction in the PENDING state — the on-chain settlement happens afterward, and the final result is delivered via webhook.

Field	Values	Description
`type`	`REWARD_DEPOSIT`, `REWARD_WITHDRAW`	The kind of Earn transaction.
`status`	`PENDING` → settled	Starts as `PENDING`; transitions once the transaction confirms on-chain.

Use Business Reward Transactions (GET /v1/rewards/transactions) to list recent deposits and withdrawals across your business, newest first.

Transaction shape

{
  "id": "47ae3a92-4d36-4807-af9e-b83a4eb08d69",
  "reference": null,
  "amount": "0.2",
  "amountPaid": "0.2",
  "status": "PENDING",
  "type": "REWARD_WITHDRAW",
  "createdAt": "2026-06-03T13:58:33.222Z",
  "asset": {
    "symbol": "USDC",
    "decimals": 6,
    "blockchain": { "slug": "base", "name": "base" }
  }
}

API Reference

Method	Endpoint	Description
`GET`	`/v1/rewards`	Business-wide positions aggregated across all wallets, grouped per strategy
`GET`	`/v1/rewards/supported-chains`	Supported chains as a flat union and grouped by strategy type
`GET`	`/v1/rewards/transactions`	Most recent reward deposits and withdrawals (newest first)
`GET`	`/v1/wallets/{walletId}/rewards`	A wallet’s positions; pass `assetId` for a single asset
`GET`	`/v1/wallets/{walletId}/rewards/assets`	A wallet’s reward-eligible assets and each strategy’s APY
`POST`	`/v1/wallets/{walletId}/rewards/deposit`	Deposit an asset into an earn strategy
`POST`	`/v1/wallets/{walletId}/rewards/deposit/network-fee`	Preview the network fee for a deposit
`POST`	`/v1/wallets/{walletId}/rewards/withdraw`	Withdraw a net amount (or `"max"`) from a position
`POST`	`/v1/wallets/{walletId}/rewards/withdraw/network-fee`	Preview the network fee for a withdrawal

FAQ

Does it cost anything to deposit?

No. Depositing is free. The only fee is a small share of the interest you earn — never your deposit.

When do I start earning?

As soon as your deposit settles on-chain, it begins earning continuously, around the clock.

How fast is a withdrawal?

It starts immediately and settles on-chain shortly after. You’re notified the moment it completes.

What's the difference between Regulated and DeFi?

Regulated routes your funds through a regulated, more conservative provider (Fija, on Ethereum). DeFi uses Aave, a major established lending protocol available on more networks. Both earn yield — it’s about which route you prefer.

Will I get back less than I put in?

Your deposit is never charged a fee, and you keep the interest minus Blockradar’s small share. Rates are variable and on-chain protocols carry risk, so returns aren’t guaranteed — but the platform fee never touches your principal.

What does 'withdraw all' do?

It takes out everything in that position — your deposit plus all earned interest — and closes it. You can start a fresh deposit anytime.

Why does a fresh $0.20 deposit sometimes show as $0.199999?

That’s a tiny rounding quirk of the underlying protocol (a fraction of a cent), not a fee. It evens out, and your balance rises above your deposit as soon as interest accrues.

Support

Email: [email protected]

​How It Works

You stay in control

Earns automatically

Withdraw anytime

​Three Steps

​The Two Earning Styles

Regulated

DeFi

​Prerequisites

​Fees

​Withdrawals

​What You Can Track

Balance

Interest earned

Rate (APY)

​Safety & Reliability

Non-custodial

Established protocols

No lock-up

​Using the API

​1. Discover what’s available

​2. Preview the network fee (optional)

​3. Deposit

​Body Parameters

​4. Track positions and earnings

​Position Fields

​5. Withdraw

​Body Parameters

​Transaction Lifecycle

​API Reference

​FAQ

​Support

How It Works

Three Steps

The Two Earning Styles

Prerequisites

Fees

Withdrawals

What You Can Track

Safety & Reliability

Using the API

1. Discover what’s available

2. Preview the network fee (optional)

3. Deposit

Body Parameters

4. Track positions and earnings

Position Fields

5. Withdraw

Body Parameters

Transaction Lifecycle

API Reference

FAQ

Support