Fixed Yield is Here: Predictable Returns for Your Users

Fixed income is a $130 trillion market. CDs, bonds, term deposits: products where users know exactly what they'll earn before they commit.

Until now, building crypto-native fixed income meant custom smart contracts, complex integrations, and months of engineering. Most teams stuck with variable-rate products because fixed was too hard to add.

With Pendle markets now live in Compass, you can launch fixed interest rate products through the same API you already use.

What we shipped

Fixed yield via Pendle PT markets. Users deposit stablecoins or crypto assets and lock in a guaranteed rate for a fixed term. No surprises. No rate fluctuation. Just predictable returns.

Same API. Same SDK. Same non-custodial model. One new venue type.

How it works

User selects a term (30, 90, or 180 days) and sees the fixed rate upfront. They deposit, wait for maturity, and withdraw with the guaranteed return. The mechanics happen under the hood. Your users just see "5.8% for 90 days."

Example: User deposits $10,000 USDC for 90 days at 10% APR. At maturity, they withdraw $10,250. No rate changes, no surprises.

Why this matters

Familiar product, better rates. Fixed-term savings products are how traditional finance works. "5.8% for 90 days" is instantly understood with no learning curve for users coming from banks or brokerages. But the rates are DeFi-native: 4-12% APR instead of 0.5% at a bank.

Treasury use case unlocked. CFOs can forecast returns exactly. A company with $5M in stablecoins can lock in 6% for 180 days and budget accordingly: $150,000 in yield, guaranteed. No surprises at quarter-end.

New product tier. Offer fixed-rate alongside variable-rate products. Users self-select based on their needs. Same infrastructure, two products, two segments captured.

Higher engagement. Users who commit to a term stay on your platform longer. Fixed terms create natural re-engagement moments at maturity.

Product combinations

Fixed yield works standalone or alongside other Compass products.

Fixed + Variable: Offer both rate types. Let users choose based on their preference. Some want rate certainty, others want withdrawal flexibility.

Fixed + Bridging: Users bridge USDC to the chain with the best fixed rates, then deposit. One integration, cross-chain fixed income.

Fixed + Gas Sponsorship: Users deposit into fixed-yield products without holding ETH. You sponsor gas, they earn.

Example product structure:

"Flex Earn" → Variable yield via Aave/Morpho
"Term Earn" → Fixed yield via Pendle (30/90/180 day terms)

Same API. Same fee infrastructure. Different user segments.

Monetization works the same way

Embedded fees work with fixed yield exactly like variable yield. Configure your fee percentage, and it's collected automatically when users deposit or withdraw.

Who this is for

Consumer apps — Give users a "set it and forget it" savings option. Fixed terms reduce decision fatigue.

Neobanks — Offer term deposits backed by DeFi. Competitive rates, predictable returns, no bank charter required.

Treasury platforms — Let CFOs lock in yields for quarterly planning. Budget with certainty.

Wealth management — Build laddered fixed-income products. 30-day, 90-day, 180-day tranches with different rates.

Get started

Fixed yield is live now in Compass V2.

DeFi-native fixed income. Live now.