Investment Center · Now Live
Let Your Crypto
Work for You
Stable, transparent yield products built on institutional-grade infrastructure. From flexible daily earnings to fixed-term locked rates — grow your USDT effortlessly.
USDT/USDC
Supported Currencies
10
Min. Investment (USDT)
11%
Max APY
Our Products
Three Ways to Grow Your Digital Assets
Choose the product that fits your risk preference and liquidity needs. All products are denominated in USDT / USDC.
Flexible · Variable
Flexible Yield Account
3%–8% p.a.
Deposit any time, earn daily distributed yield at the reference APY. No lock-up period — perfect for users seeking liquidity alongside stable returns.
Subscribe Now
Most Popular
Fixed-Term · Variable
Fixed-Term Floating Rate Product
up to 11% p.a.
Lock funds for a fixed term and earn higher floating yields. Tradeable on the secondary market before maturity. Suitable for users with medium-term planning horizons.
Subscribe Now
Fixed-Term · Fixed Rate
Fixed Annualized Rate Product
up to 10% p.a.
APY is locked at subscription — you know your return from day one. Principal protection guaranteed for primary-market subscribers. Ideal for risk-averse, long-term holders.
Subscribe Now
Reference Rates
Transparent Yield Rates Across All Terms
Rates are indicative and subject to adjustment. All products use USDT / USDC as the base currency.
| Term | Reference APY | Early Redemption Penalty | Raising Period | Min. Subscribe |
|---|---|---|---|---|
| 7 Days | 4.0% | Not Available | 1–2 Days | 100 USDT |
| 14 Days | 5.0% | 5% of principal | 2–3 Days | 100 USDT |
| 30 Days | 6.5% | 3% of principal | 3–5 Days | 100 USDT |
| 60 Days | 7.5% | 2% of principal | 5–7 Days | 100 USDT |
| 90 Days | 9.0% | 1.5% of principal | 5–7 Days | 100 USDT |
| 180 Days | 11.0% | 1% of principal | 7 Days | 100 USDT |
* Reference APY is adjustable during the product lifecycle. Actual yield is settled at maturity based on platform gross returns. Early redemption forfeits all accrued yield.
| Term | Fixed APY | Early Redemption Penalty | Principal Protection | Min. Subscribe |
|---|---|---|---|---|
| 30 Days | 5.0% | Forfeit yield only | Protected | 100 USDT |
| 60 Days | 6.0% | 3% of principal | Protected | 100 USDT |
| 90 Days | 7.0% | 2% of principal | Protected | 100 USDT |
| 180 Days | 8.5% | 1.5% of principal | Protected | 100 USDT |
| 365 Days | 10.0% | 1% of principal | Protected | 100 USDT |
* Fixed APY is locked at the time of subscription. Principal protection applies to primary-market subscribers only. Secondary market purchases are not principal-protected.
| Product Type | Reference APY | Redemption | Yield Accrual | Min. Subscribe |
|---|---|---|---|---|
| Flexible Yield Account | 3%–8% | T+0, any time | Daily (T+1 start) | 10 USDT |
* Flexible APY is the reference target rate and may be adjusted by the platform. Yield is distributed automatically each day to your balance. Redemption fee: 0.1%.
How It Works
Start Earning in Four Simple Steps
01
Create Account
Register on Minipay and complete a streamlined KYC verification in minutes.
02
Deposit USDT/USDC
Fund your account by depositing USDT or USDC from any external wallet — fast and fee-efficient.
03
Choose a Product
Select a flexible, fixed-term floating, or fixed-rate product based on your preferred term and yield target.
04
Earn & Withdraw
Yield accrues daily. At maturity (or any time for flexible), redeem your principal and earnings directly to your wallet.
Fund Security
Your Capital is Protected at Every Layer
Three-Tier Reserve Architecture
L1 product-level reserve, L2 platform reserve, and L3 ultimate backstop form a comprehensive safety net. All shortfalls at maturity are covered by reserves before any user is impacted.
L1 Reserve ≥3%L2 Reserve ≥2%L3 Backstop ∞
Daily Settlement & Transparent Yield
All products settle yield daily. External strategy gross returns are audited and reconciled each settlement cycle, so you always know where your earnings come from.
Example: 1,000 USDT @ 10% · 365 days = 1,039.73 USDT
Compliant Custody & Segregated Accounts
User funds are held by licensed custodians in segregated accounts, fully separated from platform operating capital. Regulated under international financial standards.
SegregatedLicensed Custodians
Referral Yield Boost
Earn More by Sharing Minipay
Invite friends to invest on Minipay and earn a percentage of their yield as a referral bonus — on top of your own returns. The more you share, the more you earn.
Flexible Product Referral
Earn a share of your invitees' yield every day they remain invested.
+10%
Fixed-Term Variable Referral
Credited at settlement when your referee's product matures.
+10%
Fixed-Rate Referral
A share of your referee's fixed-rate product earnings at maturity.
+8%
FAQ
Common Questions
All investment products currently support USDT and USDC. These are stablecoins pegged to the US Dollar, enabling you to earn yield without exposure to crypto price volatility on your principal.
For Fixed-Rate products, principal is protected for primary-market subscribers — your principal is returned in full at maturity regardless of platform performance. For Variable products, the platform operates a three-tier reserve system (L1/L2/L3) to cover any yield shortfalls. User funds are held in segregated custodial accounts separate from platform operations.
Yes, full early redemption is supported on fixed-term products, but an early redemption penalty applies (ranging from 1%–5% of principal depending on the product). All accrued yield is forfeited upon early redemption. Alternatively, you can sell your position on the secondary market to another buyer without forfeiting yield.
Yield comes from the platform deploying pooled capital into institutional DeFi strategies and centralized market-making activities. The gross returns are distributed to users first, with any excess going into platform reserves and the referral pool. All yield data is reconciled daily.
Fixed-term product holders can list their position for sale on the in-app secondary market before the maturity date. Buyers inherit the original maturity date and term. This gives you liquidity without early redemption penalties — though market availability depends on buyer demand. Maker fee: 0.2%, Taker fee: 0.3%.
For flexible products, yield starts accruing from T+1 (the day after subscription). For fixed-term products, yield accrues from the official product start date (after the raising period closes). Yield is settled daily and reflected in your account balance or product holding value.
Start Investing Today
Your Crypto, Earning Every Day
Join thousands of users already growing their USDT on Minipay's secure, transparent investment platform. No minimums to start on flexible products.