BenPay On-Chain Yield Card FAQs💥



🚩Is earning on the BenPay On-Chain Yield Card automatic?
No. Earning is generated only after the user manually activates the “Earn” feature. Before activation, the card account balance does not participate in any on-chain yield protocols, and funds are never automatically deployed.

🚩Are funds locked after enabling on-chain yield?
No. Enabling on-chain yield does not lock funds or restrict spending. Users can continue making payments at any time without redeeming or pausing yield, with no lock-up or unbonding period.

🚩What is the difference between an on-chain yield card and staking?
Staking requires locking assets, while an on-chain yield card keeps funds fully liquid. Yield on the card is optional, user-activated, and does not limit payment usage, unlike traditional staking mechanisms.

🚩Is on-chain yield risk-free?
No. On-chain yield involves risks associated with DeFi protocols. These include smart contract risk, protocol-level market risk, and asset price volatility. Transparency does not eliminate risk, and users should decide independently whether to enable yield.

🚩Who is an earn-while-you-spend crypto debit card suitable for?
It is best suited for users who want to earn yield on idle crypto while retaining full spending flexibility. Users who prefer fixed returns or fully regulated traditional financial products may find this model unsuitable.
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