What is an Earning Strategy?

An Earning Strategy is an optional way to have a deposit's rates managed for you. Peer shows verified strategies with a rate for at least one selected payment-method and currency pair. On a multi-platform or multi-currency deposit, a strategy may not manage every pair.

When you use a strategy:

• Your USDC stays in your deposit escrow. The strategy does not take custody of it.
• The strategy manages your rates, but your floor rate still applies.
• Open a strategy's details to review its fee before applying it. The buyer pays this fee.
• You can stop the strategy at any time and return to managing rates yourself.

To use one while creating a deposit, open Settings, enable Earning Strategy, and choose a compatible option. After the deposit is created, select Use <strategy name> and confirm the follow-up transaction.

For an existing deposit, open it from Earn, open Position Details, and select Choose strategy. When a strategy is active, its section shows the fee, performance, and managed rates. Select Stop Strategy to return to self-managed rates.

	Self-managed rates	Earning Strategy
Who sets rates?	You, using a premium or discount	The strategy
Floor rate applies?	Yes	Yes
Extra fee?	No	Shown on the strategy details
Best for	Makers who want direct pricing control	Makers who want managed pricing

Strategy performance shown in Peer is historical and does not guarantee future results.