Choose your strategy
Max Earn ≈ 7-8% APY
Want the highest returns? Max Earn aims for the best yield available on Solana. Part of that extra yield comes from the insurance fees paid by Insured Earn depositors — because your deposit is what insures the Insured Earn pool.
Insured Earn ≈ 4-5% APY
Want extra peace of mind? Insured Earn gives you built-in protection in the unlikely event that one of the underlying protocols is critically exploited. The yield is a little lower because a slice of it goes toward paying for that protection.
What's the actual difference?
Both strategies deposit into the same pool of audited protocols and get automatically rebalanced for the best returns. The difference is what happens if something goes wrong:
Max Earn depositors take on the risk of a protocol exploit directly — that's why they earn the higher yield (including a cut of the insurance fees).
Insured Earn depositors are protected against that risk — if a protocol is critically exploited, Max Earn deposits are used to make Insured Earn depositors whole. That protection costs a bit of yield.
In short: Max Earn = higher yield, you carry the risk. Insured Earn = lower yield, the risk is covered.
What does "insurance" actually cover?
Every Max Earn deposit backs the Insured Earn pool. If one of the underlying protocols suffers a critical exploit, Max Earn deposits are used first to make Insured Earn depositors whole.
Can I switch or withdraw anytime?
Yes — you're always in control. Deposit more, withdraw, or move funds between Max Earn and Insured Earn whenever you like.
Insured Earn withdrawals are processed instantly.
Max Earn withdrawals go through a 24-hour security window before you can claim them.
Quick comparison
| Max Earn | Insured Earn |
*APY | ≈7% | ≈4% |
Risk | You carry protocol risk | Protected by Max Earn pool |
Withdrawal | 24-hour security window | Instant |
Best for | Maximizing yield | Peace of mind |
*APY is variable and updates based on market conditions and protocol performance.