> ## Documentation Index
> Fetch the complete documentation index at: https://docs.synclear.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Synclear Earn: Yield Strategies and Structured Products

> Deploy idle business treasury into curated yield strategies and structured credit products — automated allocation, risk tiers, and fixed-term notes.

Synclear's Earn module lets on-chain businesses put idle treasury assets to work without leaving the protocol environment. Rather than holding stablecoins or liquid assets in a multisig or operations wallet generating zero return, businesses can allocate capital to yield-generating positions that remain fully on-chain, auditable, and withdrawable on demand or at a defined maturity date. Earn is not a black-box yield aggregator — it is a structured set of credit and liquidity products built for businesses that need transparency, defined risk parameters, and predictable capital availability.

## Product Categories

Synclear Earn offers two distinct product types, designed for different risk profiles and capital planning horizons.

<CardGroup cols={2}>
  <Card title="Yield Strategies" icon="chart-line" href="/businesses/earn/yield-strategies">
    Automated allocation to risk-tiered vaults across curated lending pools and liquidity positions. Instant or 24-hour withdrawal. Suited to operating reserves and short-duration treasury.
  </Card>

  <Card title="Structured Products" icon="layer-group" href="/businesses/earn/structured-products">
    Fixed-term credit notes, principal-protected notes, and yield-enhanced savings products. Higher yield potential in exchange for defined lock-up periods and minimum allocation sizes.
  </Card>
</CardGroup>

<Note>
  All yields displayed in the Earn module are variable unless explicitly stated otherwise in a specific structured product term sheet. Past performance does not guarantee future returns. Yields are driven by real-time market conditions, lending pool utilization, and credit spread dynamics — they can decrease as well as increase.
</Note>

## Choosing Between Product Types

The right Earn product depends on your business's liquidity requirements, risk tolerance, and yield objectives.

|                  | Yield Strategies                   | Structured Products                          |
| ---------------- | ---------------------------------- | -------------------------------------------- |
| **Liquidity**    | Instant or 24h withdrawal          | Locked until maturity (early exit may apply) |
| **Yield type**   | Variable, real-time                | Fixed or structured variable                 |
| **Minimum size** | No minimum                         | Product-specific minimum                     |
| **Risk profile** | Conservative to Aggressive tiers   | Senior to subordinated tranches              |
| **Best for**     | Operating reserves, short-duration | Strategic treasury, surplus capital          |

## Capital Safety and Custody

Assets deposited into Earn remain held by Synclear's non-custodial vault contracts. Synclear does not commingle treasury funds or hold them in a centralized account. All positions are recorded on-chain and verifiable at any time via the vault contract addresses published in the [smart contract registry](/get-started/contract-addresses). In the event of a protocol issue, recovery procedures and loss socialization mechanics are defined in the protocol's risk documentation.