Turn USDT
into gold.
Deposit USDT on Ethereum or BNB Chain. Earn XAUT, PAXG, or BinanceLife at a locked rate — up to 14% monthly. 7-day lock, non-custodial, audited.
Choose what to earn
—
By depositing you agree to the Terms of Service. USDT is locked for your chosen period (7, 30, or 90 days). Rewards are paid in the pool's native token at real market price; on withdrawal you receive USDT principal plus earned tokens. Additional deposits during lock add to your total. Early withdrawal is not possible during the lock.
Simple. Transparent. Non-custodial.
Pick a reward token
XAUT, PAXG, or BinanceLife — choose what you want to accumulate. Each pool runs on its native chain.
Deposit USDT
Connect wallet, approve USDT, deposit any amount above the minimum. Rate is locked at the block of deposit.
7-day lock
Your USDT works in the pool. Reward token amount accrues block-by-block, calculated against the locked rate.
Receive reward token
After unlock, principal returns to you in USDT plus your earned XAUT/PAXG/BinanceLife — automatically, no gas needed.
Common questions
Why deposit USDT and earn XAUT/PAXG?＋
It lets you convert stablecoin holdings into gold-backed assets at a premium. Instead of buying XAUT/PAXG at spot, you put USDT to work for 7 days and walk away with both your principal returned plus reward tokens accumulated at a locked rate. Especially useful for dollar-cost-averaging into gold.
What does "rate locked at deposit" mean?＋
When you deposit, the conversion rate (e.g., 1 XAUT = $4,921) is fixed for your position. Your reward token amount is calculated against this fixed rate, regardless of how the underlying token price moves over the 7-day period. You always know exactly how many tokens you'll receive.
Can I withdraw early?＋
No. The 7-day lock is enforced by smart contract. This allows the protocol to deploy capital for the full period, which is how sustainable yield is generated. Pick a deposit amount you are comfortable locking.
Is this custodial?＋
No. USDT is held in an audited deposit contract that only you can withdraw from using your wallet signature. No admin keys, no pause function on withdrawals after the lock period.
What are the risks?＋
Smart contract risk (mitigated by audit), reward-token volatility post-claim (XAUT/PAXG track gold; BinanceLife is a volatile meme asset), and DeFi protocol risk. Yield rates may change for new positions but are always locked for active deposits.
Where does the yield come from?＋
Protocol fees from ChocoSwap's cross-chain routing activity (paid in stablecoins) plus a portion of the VNLA treasury's farming strategies. The reward tokens (XAUT/PAXG/BinanceLife) come from the protocol's reserves, distributed at a planned schedule.
Any fees?＋
No deposit fee. No withdrawal fee. The yield rate shown is already net of the protocol's 10% performance fee.
Do I need USDT in a specific network?＋
Yes. XAUT and PAXG pools accept USDT on Ethereum (ERC-20). BinanceLife pool accepts USDT on BNB Chain (BEP-20). If you have USDT on another chain, use the bridge to move it first.