In the search for smart ways to grow your money, traditional savings accounts often fall short. At the same time, the world of Decentralized Finance (DeFi) and crypto yield farming, while promising high returns, can be overwhelmingly complex and risky for the average user.
What if you could bridge that gap?
Imagine earning high-yield crypto passive income on your stablecoins with the simplicity of a few taps on your phone. This is precisely the problem AirTM aims to solve with its new crypto interest feature, making stablecoins yield farming on USDC accessible, fast, and remarkably straightforward.
This article breaks down how it works, but to truly grasp its simplicity and speed, we’ve prepared a live demonstration.
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Watch the Live Demo: Earn USDC Interest in Under 60 Seconds
Before we get into the “how” and “why,” see this feature in action. The video below provides a complete, step-by-step live demo. It shows the entire process—from investing funds to divesting them—all in less than a minute.
This live demo is the best way to see exactly how to earn crypto interest on AirTM and understand the process from start to finish.
What is AirTM’s New Crypto Interest Feature?
AirTM’s new investment feature is a tool integrated directly into your AirTM wallet. It allows you to lend your USDC (USD Coin), a stablecoin pegged 1:1 to the US dollar, and earn a variable Annual Percentage Yield (APY).
Unlike complex stablecoins yield farming platforms, AirTM’s solution is built for simplicity and flexibility. Here are its core components, structured for clarity:
| Feature | Description |
| Primary Asset | USDC (USD Coin) |
| Income Type | Variable APY (Annual Percentage Yield) |
| Lock-up Period | None. You can invest and divest at any time. |
| Transaction Speed | Near-instant. Funds move in seconds. |
| Accessibility | Fully integrated into the main AirTM wallet interface. |
| Minimum Investment | A low minimum requirement (e.g., $5 USDC, as shown in the video). |
This combination of a high APY stablecoin opportunity with no lock-up period is what makes the feature a powerful tool for generating crypto passive income.
How to Earn Crypto Interest with AirTM: A Step-by-Step Guide
As the live demo above illustrates, the process is designed to be intuitive. Here is the simple, four-step framework to start earning.
Step 1: Fund Your AirTM Wallet
Before you can invest, you need USDC in your AirTM general balance. You can easily fund your account using dozens of methods, including:
- Local bank transfers (widely used in Nigeria and India)
- Debit/Credit cards (common in the USA and UK)
- Peer-to-peer (P2P) transfers
- E-wallets or mobile money
- Receiving payments for freelance work
From your AirTM home screen, locate the “Invest” or “Yield” section. It’s designed to be prominent and easy to find, displaying the current APY you can earn.
Step 3: Invest Your USDC
Tap “Invest.” You can then choose to invest a specific amount or select “Maximum” to invest all your available USDC. The platform will show you the current earning rate. Once you confirm (often with your authentication), your funds are moved from your general wallet to your investment balance in seconds and begin earning interest.
Step 4: Divest (Withdraw) Your Funds Instantly
This is the feature’s most significant advantage. Your money is never locked. To withdraw, simply tap “Divest,” enter the amount you wish to take out, and confirm. Your USDC, along with any interest earned, is moved back to your main wallet almost instantly, ready to be used or withdrawn from AirTM.
How Does AirTM Generate Such a High APY?
This isn’t magic. AirTM acts as a simple, secure gateway to a battle-tested Decentralized Finance (DeFi) protocol. Here’s a simplified breakdown:
- You Become a Lender: When you invest your USDC, you are lending it as a liquidity provider to a decentralized lending protocol (such as Blend, which is built on the Stellar network).
- Borrowers Provide Collateral: Other users borrow funds from this protocol. To secure their loans, they must provide over-collateralized assets (meaning they lock up more value than they borrow). This protects the lenders’ capital.
- You Earn the Interest: The interest paid by these borrowers is passed on to you as the APY.
AirTM’s value is in simplifying this entire process. It removes the need for you to manage complex crypto wallets, pay network gas fees, or interact directly with smart contracts.
Understanding the Risks vs. Rewards
As with any investment, it is crucial to understand the risks. AirTM is transparent about this, and so are we.
The Risks
- APY Fluctuation: The high APY is variable, not fixed. It changes based on the market’s supply and demand. If many people are lending but few are borrowing, the APY will decrease. If borrowing demand is high, the APY will increase.
- Smart Contract & Technical Risk: The system relies on decentralized smart contracts. While these protocols are audited for security and legitimacy, there is always a non-zero technical risk in any DeFi-related investment.
The Rewards
- Simplicity: You gain access to high-yield stablecoins passive income without the steep learning curve of DeFi.
- Flexibility: The “no lock-up” feature is the key benefit. You can access your funds at any time, giving you total control.
- Speed: The ability to move in and out of your investment in seconds is a significant advantage over traditional or other crypto-earning methods.
Frequently Asked Questions (FAQ)
What cryptocurrency pays interest on AirTM?
The new feature is currently focused on earning interest on USDC (USD Coin).
How long are my funds locked when earning interest on AirTM?
Your funds are not locked at all. You can “divest” (withdraw) your USDC and any earned interest back to your main wallet at any time, and the process is nearly instantaneous.
Is earning crypto interest on AirTM the same as staking?
No. Staking typically involves locking your crypto to help secure a blockchain network (Proof-of-Stake). This feature is lending, where you provide your stablecoins to a protocol for borrowers to use, and you earn interest in return.
What is the minimum amount to invest in AirTM’s lending feature?
The minimum is very low, making it accessible to everyone. As demonstrated in the video, it can be as little as $5 USDC.
Get Started and Watch the Full Demo
The best way to get comfortable with earning crypto passive income on AirTM is to see it for yourself. It’s the simplest path to turning your idle digital dollars into a productive asset.
We highly encourage you to watch the full live demo video embedded above. It provides the complete visual walkthrough you need to start earning interest today. If you’re new to AirTM, the video also includes details on how you can get a sign-up bonus by using the link in its description.