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How to Use DeFi Earn to Invest Funds?

Step 1: Create & Connect Wallet

If you don't have a BenPay wallet, please create one first. It is recommended to log in with a Email zk/Google/Apple account.
 
Visit the BenPay official website https://www.benpay.com, and then create & connect the wallet in one click.
 
Click the "Connect Wallet" button, and you will be redirected to the corresponding page. Select "Continue with Email zk/Google/Apple"
 
(For detailed steps or other login methods, please refer to: How to create your BenPay wallet?)
 

Step 2: Deposit Stablecoins

After connecting your wallet, prepare the stablecoins you wish to deposit (minimum 100 USD).
BenPay DeFi Earn now supports direct deposits in BUSD, USDT, and USDC — no additional cross-chain conversion required.

Note:
BUSD is a stablecoin issued on the BenFen Chain, pegged 1:1 to the US dollar.
USDT and USDC are mainstream stablecoins supported across multiple chains.

On-Chain Top-Up Guide:

  1. Tap the “Deposit” button in the top-right corner → select “On-Chain Deposit”, or go to “Asset Dashboard” → “Cross-Chain Deposit”

  2. Choose the deposit currency (USDT, USDC, or BUSD) and the source network

    • USDT / USDC are currently supported on the following networks: ETH, BSC, Polygon, Optimism, Arbitrum, Avalanche, Base, SOL, TRON

    • BUSD is supported on the BenFen Chain

After selecting the network chain, you can choose to scan the code for recognition or copy the address and deposit.
 
 
(For detailed steps or to use a cross-chain bridge to bridge in, please see: How to deposit and withdraw and cross-chain?)

Step 3: Invest Funds

Visit the DeFi Earn official website: https://www.benpay.com/defi-earn/. Select a product you are interested in from the investment target list on the homepage, then click the "Invest" button on the right side of the card, or, after entering the target details page, click the "Invest" button.
 

Step 4: Confirm Investment

In the pop-up "Invested Funds" window, enter the amount of BUSD / USDC / USDT （Min investment 100U）you want to invest. Click "Confirm Investment" and then enter the BenPay wallet password to complete the confirmation.
 
 

 Supported Tokens

You can participate in BenPay DeFi Earn using the following tokens:

  • BUSD (BenFen Chain native stablecoin, 1:1 pegged to USD)

  • USDT / USDC (After depositing via cross-chain bridge, assets are automatically converted to BUSD to participate in strategies; some protocols support direct deposits)

Protocol Token Support & Redemption Time Overview

Protocol Supported Tokens Redemption Time
SOL-USD Earn USDC / BUSD 10 days after redemption request
Morpho-USDT Earn USDT / BUSD Instant
Sky-USD Earn USDC / BUSD Instant
Sky-USD Earn V2 BUSD 30 minutes after redemption request
Morpho-USDC Earn USDC / BUSD Instant
Ethena-USDe Earn USDT / BUSD 10 days after redemption request
Compound-USDC Earn USDC / BUSD Instant
Compound-USDC Earn V2 BUSD 30 minutes after redemption request
Compound-USDT Earn USDT / BUSD Instant
AAVE-USDC Earn USDC / BUSD Instant
AAVE-USDC Earn V2 BUSD 30 minutes after redemption request
AAVE-USDT Earn USDT / BUSD Instant
AAVE-USDT Earn V2 BUSD 30 minutes after redemption request

Notes:

  • "Instant" means assets will be credited in real time after submitting the redemption request (subject to on-chain confirmation).

  • "X days after redemption request" refers to the required waiting period due to strategy mechanisms (e.g., staking unlock periods, protocol settlement cycles).

  • V2 versions are optimized BUSD-only versions of the original protocols, featuring a shortened redemption cycle of just 30 minutes.

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Last modified: 2026-03-26