Deposit stablecoins, earn institutional-grade yield — all on-chain, fully transparent, no lock-up surprises.
Start Earning Learn MoreGetting started takes three minutes. The Maple Finance platform guides you through each step — no spreadsheets, no paperwork.
Use any Ethereum-compatible wallet. MetaMask, Coinbase Wallet, and WalletConnect are all supported out of the box.
Select USDC or USDT. Both are pegged stablecoins. The Maple Finance protocol accepts them directly — no wrapping, no bridging required for Ethereum mainnet deposits.
You get syrupUSDC or syrupUSDT in return. These tokens represent your share of the pool plus accrued interest. Hold them, or put them to work on Aave, Pendle, or Fluid.
Track your position in the Portfolio tab. When you want your funds back, initiate a withdrawal — the process follows the pool's liquidity queue, typically settling within a few days.
Plenty of protocols promise yield. Few back it with the kind of credit infrastructure that Maple Finance's protocol has built since its earliest days on Ethereum mainnet.
Loans on the Maple Finance platform go to vetted institutional counterparties. That means the yield you earn reflects real credit activity — not inflationary token rewards that dilute overnight.
Every loan, repayment, and fee is recorded on Ethereum. Anyone can audit the full loan book using a block explorer. No hidden positions. The team behind Maple Finance publishes regular pool updates too.
syrupUSDC and syrupUSDT are standard ERC-20 tokens. You can supply them to Aave, trade them on Pendle for fixed rates, or use them in other protocols — all while your underlying yield keeps running.
The codebase draws on patterns pioneered by OpenZeppelin and has undergone multiple independent security reviews. No major exploit has occurred since the v1 launch in 2021.
Your wallet retains control until you approve a transaction. Maple Finance never holds private keys or custody assets off-chain.
syrup tokens work across Ethereum and, via integrations, on Solana through Kamino. Polygon support is on the public roadmap for future versions of the protocol.
The earn dashboard shows live APY figures pulled directly from on-chain data. No smoothed averages, no hidden spreads — just the number.
Borrowers go through KYB and credit assessment before they can draw from any Maple Finance pool. This process mirrors what a traditional credit fund would require.
Active depositors earn SYRUP governance tokens on top of base yield. You can stake, vote on protocol parameters, or unstake from the dedicated Rewards page.
The Details section breaks down each active loan: borrower type, outstanding principal, and maturity date. Exactly the depth an informed depositor needs before committing capital.
Core contract logic follows audited OpenZeppelin libraries where possible. The team behind Maple Finance treats security as the first deliverable, not an afterthought.
Still have questions? Browse the full questions page or read the about-us section for background on the team and mission.
Maple Finance is an on-chain credit protocol built on Ethereum. It connects institutional borrowers — funds, trading desks, fintech companies — with stablecoin depositors who want yield without the volatility of speculative crypto assets. The protocol has been live since 2021 and currently manages over $3 billion in assets.
Connect an Ethereum wallet, navigate to the Earn section, enter a deposit amount in USDC or USDT, and confirm the transaction. You receive syrupUSDC or syrupUSDT immediately. Yield begins accruing in the same block. That really is the whole process.
The Maple Finance platform's smart contracts follow OpenZeppelin security patterns and have been reviewed by multiple independent auditors. No critical exploit has occurred since the 2021 launch. That said, all DeFi protocols carry smart contract risk — only deposit what you can afford to hold.
The current indicative rate is approximately 4.9% APY. Rates shift as institutional loan demand changes. They are not guaranteed, but they are derived from actual credit activity rather than token inflation, which tends to make them more durable over time.
Access depends on your jurisdiction. A number of regions are restricted under the Interface Terms of Use. Read those carefully before connecting your wallet. The underlying tokens are standard ERC-20 assets; restrictions apply to the front-end interface, not the on-chain contracts.
A standard savings account in most countries yields well under 5% and ties funds to a single institution's balance sheet. The Maple Finance protocol publishes every loan on-chain, so you can see exactly what backs your yield. Composability is another differentiator — you can simultaneously use syrup tokens in other DeFi protocols.
Go to Portfolio, click Withdraw or Unstake, specify the amount, and submit. Withdrawals join a liquidity queue. Processing time varies — most complete within a few business days depending on pool utilization at the time of your request.
Maple Finance operates natively on Ethereum mainnet. syrupUSDC and syrupUSDT are composable with Solana-based protocols such as Kamino and with Ethereum projects like Aave, Pendle, and Fluid. Polygon integration appears on the public product roadmap for a future protocol version.