The dTRINITY ecosystem offers three main methods for users to earn rebates yields/fees and rewards:
- Supply collateral & borrow dUSD to earn rebates + rewards
- Supply dUSD to earn yield + rewards
- LP in dUSD liquidity pools to earn fees + rewards
Borrow dUSD to Earn Rebates + Rewards
dUSD borrowers earn a variable Rebate APY based on their outstanding debt, which is funded by dUSD's exogenous reserve earnings.
Borrowers can supply multiple collateral assets to take out dUSD loans and pay a variable Borrow APY. However, they also earn the Rebate APY, which can be claimed separately in dUSD. If the Rebate APY is higher than the raw Borrow APY—especially when utilization is low—the net Borrow APY could actually become negative (i.e., get paid to borrow without paying any interest).
Additionally, borrowers who supply eligible assets as collateral may earn third-party rewards. Below is the latest list of supported assets that are eligible for third-party rewards:
Lending Protocol | Supplied Asset | Issuer | Network | Rewards |
dLEND | Frax Finance | Fraxtal | FXTL Points | |
dLEND | Frax Finance | Fraxtal | FXTL Points | |
dLEND | Frax Finance | Fraxtal | FXTL Points | |
dLEND | Frax Finance | Fraxtal | FXTL Points | |
dLEND | Ethena | Fraxtal | ENA Points ⏳ | |
dLEND | USDe ⏳ | Ethena | Fraxtal | ENA Points ⏳ |
dLEND | FRAX (fka FXS) ⏳ | Frax Finance | Fraxtal | FXTL Points ⏳ |
dLEND | FXB20251231 ⏳ | Frax Finance | Fraxtal | FXTL Points ⏳ |
dLEND | FXB20551231 ⏳ | Frax Finance | Fraxtal | FXTL Points ⏳ |
TBD | Others (TBD) | TBD | TBD | TBD |
For more information about interest rebates, please refer to 
dUSD.
dUSD. Supply dUSD to Earn Yield + Rewards
dUSD suppliers earn a variable Supply APY on their deposits, which is paid by borrowers with outstanding debt.
Based on dLEND’s current interest rate model, dUSD lenders are expected to earn about 5% APY at optimal utilization (the “kink”). However, the presence of borrowing subsidies could raise the effective equilibrium of utilization above the kink. At just 91% utilization, for example, lenders are expected to earn about 10% in Supply APY.
In addition to the variable Supply APY, dUSD lenders may earn dT Points from dTRINITY as well (pre-TGE). Eventually, dT Points will be converted to/replaced by the TRIN token within 2025 (post-TGE). Lenders may also earn third-party rewards. Below is the latest list of eligible rewards for supplying dUSD:
Lending Protocol | Supplied Asset | Network | Rewards |
dLEND | Fraxtal | dT Points, FXTL Points | |
TBD | Others (TBD) | TBD | TBD |
For more information about protocol rewards, please refer to 
Points Program and 
TRIN.
Points Program and TRIN. LP dUSD to Earn Fees + Rewards
LPs who supply liquidity to designated dUSD pools on external DEXs (including dPOOL users) may receive earnings and rewards from several sources:
- Swap fees from traders, including dUSD lenders and borrowers
- dT & FXTL Points, to be converted to/replaced by tokens within 2025
- FRAX (fka FXS), for dUSD pools paired with Frax assets only
- CRV, for dUSD Curve pools only
- And more (TBD - pending future partnerships)
Below is the latest list of liquidity pools that are eligible for rewards:
DEX | Pool | Type | Network | Rewards |
Curve | Stablecoin/Stablecoin | Fraxtal | dT Points, FXTL Points, FRAX (fka FXS), CRV | |
TBD | Others (TBD) | TBD | TBD | TBD |
Users may also stake their LP tokens in other protocols like Convex Finance for yield optimization. Below is the latest list of eligible staking platforms:
Staking Protocol | LP | Network | Additional Rewards |
Convex Finance | Fraxtal | CVX ⏳ | |
TBD | Others (TBD) | TBD | TBD |
For instructions on how to lend, borrow, and LP, please refer to our User Guide.