(Ideal as an info icon tooltip or under “APY” label)
Protocol-sourced yields.
The displayed APY reflects estimated returns generated directly by third-party DeFi protocols (e.g., Aave, Morpho).
[Fintech Name] does not grant, guarantee, or pay any interest, return, or remuneration on digital assets.
Returns are variable and depend entirely on underlying protocol performance.
Holding USDC or USDT through this interface does not constitute a deposit, savings, or investment product.
Yield Source and Non-Interest Statement
Users may access decentralised finance (“DeFi”) protocols through the [Fintech Name] interface to obtain variable returns on digital assets such as USDC or USDT (“Stablecoins”).
These Stablecoins are asset-referenced tokens issued by third parties (e.g., Circle, Tether). [Fintech Name] is not the issuer of any Stablecoin and does not control the operation of the underlying DeFi protocols.
Any yield or return displayed within the application represents protocol-sourced yield derived directly from those decentralised protocols. [Fintech Name] does not grant or promise any interest or yield, nor does it smooth, supplement, or otherwise guarantee any rate of return.
Yields may fluctuate, become zero, or negative, depending on protocol conditions. Returns are not insured or protected under any deposit guarantee scheme.
Accessing these protocols through [Fintech Name] does not create a custodial, fiduciary, or deposit relationship. Users remain the beneficial owners of their assets and bear all protocol-level risks.
MiCA Compliance Position — Interest Prohibition
Pursuant to Articles 40 and 50 of Regulation (EU) 2023/1114 (“MiCA”), issuers of asset-referenced tokens (ARTs) and e-money tokens (EMTs), as well as crypto-asset service providers (CASPs) providing related services, are prohibited from granting interest or equivalent remuneration in relation to such tokens.
[Fintech Name] is not an issuer of any ART or EMT, and does not grant, promise, or intermediate interest, remuneration, or other benefits linked to the duration of Stablecoin holdings.
Any yields displayed within the application are generated autonomously by third-party decentralised finance (DeFi) protocols and are not interest granted by [Fintech Name] or its affiliates.
Marketing and user communications are presented solely for informational purposes and in accordance with MiCA’s requirements that such communications be fair, clear, and not misleading.
Risk Summary
- Yields are variable and derived from independent DeFi protocols.
- Smart contract failures, oracle errors, or liquidity shortages may result in loss of principal or rewards.
- Stablecoin issuers (e.g., Circle, Tether) maintain reserves independently and are not affiliated with [Fintech Name].
- [Fintech Name] may receive service or integration fees but does not alter user returns.
- Historical APYs do not guarantee future performance.
Yield (protocol-sourced)
APY estimated from third-party DeFi protocols.
Returns fluctuate and are not interest granted by [Fintech Name].