> For the complete documentation index, see [llms.txt](https://docs.zebec.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zebec.io/zebec-product-information/yield/blend.md).

# Blend

**Earn, built into Zebec.**

Blend is the yield infrastructure powering the Earn experience inside the Zebec SuperApp. It lets your idle balances earn yield from two kinds of sources, tokenized real-world assets (RWA) and curated on-chain markets, without your funds ever leaving your control.

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**Available in:** 🌐 [Web SuperApp](/zebec-application-suite/web-superapp.md)
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## What is Blend?

Blend is embedded savings infrastructure for fintechs, neobanks and apps. Instead of building yield products from scratch, platforms like Zebec integrate Blend through a single API and offer their users a complete earn experience under their own brand.

Blend was built by the team behind the oracle for Polymarket and the bridge for Uniswap: infrastructure that has moved over $40 billion.

## How it works

### 1. Your own isolated account

When you activate Earn, Blend deploys a dedicated smart account for you, yours alone. Funds are never pooled with other users. You are the only signer.

### 2. Two tiers of yield sources

Your balance is deployed into sources across two tiers, depending on the strategy you choose:

* **RWA tier**: Tokenized real-world assets from established institutions, such as money market funds backed by US Treasuries. Live today: Agora (with VanEck as fund manager), among others.
* **DeFi tier**: A curated set of audited, on-chain yield markets. Every source is independently classified by risk profile, TVL and audit history before it enters the lineup.

### 3. Earn while you hold

Yield accrues to your account automatically. Your balance keeps working in the background while you use the SuperApp as usual.

### 4. Withdraw anytime

Your funds remain yours and remain liquid. Deposits and withdrawals settle on-chain, and because your account is self-owned, you can always reach your funds, even directly through [safe.global](https://safe.global), independently of any interface.

## Why it's different

### Non-custodial by design

Most yield products pool user funds into a shared pot. Blend does the opposite: every user gets an isolated account where they are the sole signer. Blend never holds or pools your money.

### Screening built in

Every account includes sanctions and AML screening with full reporting. Compliance is part of the architecture, not an afterthought.

### Beyond DeFi: institutional-grade RWA

Blend is one of the few platforms where tokenized funds from tier-1 asset managers sit alongside curated DeFi markets, so strategies can range from conservative treasury-backed yield to higher-yielding on-chain markets.

### Risk-classified sources

Yield never comes from a black box. Each source in the lineup is audited and classified by an independent third party before your funds can touch it.

### Audited infrastructure

Blend's contracts have been audited by Cantina, Sherlock and Zellic.

## Key benefits

| Benefit          | What it means                                                           |
| ---------------- | ----------------------------------------------------------------------- |
| **Ownership**    | Your account, your keys, you are the only signer                        |
| **Segregation**  | Funds never pooled with other users                                     |
| **Liquidity**    | Withdraw anytime, on-chain                                              |
| **Range**        | From treasury-backed RWA funds to curated DeFi markets, by risk profile |
| **Transparency** | Positions and flows verifiable on-chain                                 |
| **Compliance**   | Per-account screening and reporting built in                            |
| **Security**     | Audited by Cantina, Sherlock and Zellic                                 |

## Getting started with Blend

1. **Access the Web SuperApp**: Navigate to [superapp.zebec.io](https://superapp.zebec.io)
2. **Connect your wallet**: Complete the [setup process](/zebec-application-suite/web-superapp/getting-started.md)
3. **Navigate to Earn**: Find the Earn or Yield section in the app
4. **Choose your strategy**: Select between RWA and DeFi tiers based on your risk preference
5. **Deposit funds**: Transfer idle balances to start earning
6. **Monitor returns**: Track your yield accumulation in real-time

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Your funds remain liquid and can be withdrawn at any time. All transactions settle on-chain for complete transparency.
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## Availability

* **Distribution channel**: Web SuperApp
* **Audience**: Individual SuperApp users
* **Supported assets**: Various stablecoins and cryptocurrencies (check current list in-app)
* **Minimum deposit**: Check current requirements in the SuperApp

## Security considerations

* Smart contracts audited by multiple firms
* Non-custodial architecture - you maintain full control
* Isolated accounts prevent cross-contamination
* AML/KYC screening integrated
* Transparent on-chain operations

## Learn more

* **Website**: [blend.money](https://blend.money)
* **Documentation**: [docs.blend.money](https://docs.blend.money)
* **In-app support**: Available through the Zebec SuperApp

## Related products

* [Yield products overview](/zebec-product-information/yield.md)
* [Dolomite](/zebec-product-information/yield/dolomite.md) - Alternative yield option
* [USX / Solstice](/zebec-product-information/yield/usx-solstice.md) - Additional yield products