> Solana Developer Platform docs, served as Markdown. The [docs index](https://platform-beta.solana.com/docs.md) lists every page and [llms.txt](https://platform-beta.solana.com/docs/ai/llms.txt) the key ones; [SKILL.md](https://platform-beta.solana.com/SKILL.md) has the rules for building on SDP.

# Earn

Offer stablecoin yield in your app, from your customers' own wallets, through one API.

> **Earn is under active development.** Features, API endpoints, and docs may change.

Earn lets your customers earn yield on stablecoins without handing over their
keys. Your backend builds each deposit and withdrawal through SDP, your
customer's wallet signs it, and SDP broadcasts it and tracks it to settlement.

[Start the quickstart](/docs/earn/quickstart)

[API reference](/docs/reference/api/earn)

## What you can build

| Capability | What Earn gives you |
| --- | --- |
| [Strategies](/docs/earn/strategies) | A catalog of DeFi and real-world-asset strategies with live rates, deposit tokens, and withdrawal terms. |
| [Deposits](/docs/earn/deposits) | Live quotes, unsigned transactions for your customer's wallet, and tracking from submit to finality. |
| [Balances and earnings](/docs/earn/balances) | Live positions, recorded movements, and exact earnings for each customer wallet. |
| [Withdrawals](/docs/earn/withdrawals) | Instant withdrawals, plus provider orders, solver queues, and operator redemptions that pay out later. |

Returns, losses, fees, and withdrawal timing depend on the strategy. An APY is
a rate, not a promise.

## How it works

- **Customer's wallet**

  Signs a deposit of the strategy's deposit token.

- **Strategy**

  Issues shares or a yield-bearing token to the customer's wallet.

- **Customer's wallet**

  Receives the payout when a withdrawal settles.

SDP never holds your customer's keys or pools their funds in an SDP account.
Funds sit with the strategy's protocol or provider, whose custody and
withdrawal risks still apply. [How Earn works](/docs/earn/concepts) explains
shares, signing, and settlement.

## Start building

Run the [Quickstart](/docs/earn/quickstart) to make your first sandbox deposit
through the Earn API, then follow [Embedded Yield](/docs/guides/embedded-yield)
to ship the full integration. Every request field and response is in the
[Earn API reference](/docs/reference/api/earn).