Deposit stablecoins, generate institutional-grade returns — entirely on-chain, fully transparent, with no unexpected lock-up terms.
Begin Earning Find Out MoreGetting started takes about three minutes. The Maple Finance platform walks you through every step — no spreadsheets, no paperwork required.
Use any Ethereum-compatible wallet. MetaMask, Coinbase Wallet, and WalletConnect are all supported right out of the box.
Choose USDC or USDT. Both are pegged stablecoins. The Maple Finance protocol accepts them directly — no wrapping or bridging required for Ethereum mainnet deposits.
You receive syrupUSDC or syrupUSDT in exchange. These tokens represent your portion of the pool plus accumulated interest. Hold them, or deploy them on Aave, Pendle, or Fluid.
Monitor your position in the Portfolio tab. When you want your funds returned, initiate a withdrawal — the process follows the pool's liquidity queue and typically settles within a few days.
Many protocols promise yield. Few support it with the kind of credit infrastructure that Maple Finance's protocol has developed since its earliest days on Ethereum mainnet.
Loans on the Maple Finance platform go to verified institutional counterparties. That means the yield you earn reflects genuine credit activity — not inflationary token rewards that erode value overnight.
Every loan, repayment, and fee is recorded on Ethereum. Anyone can audit the complete loan book through a block explorer. No concealed positions. The team behind Maple Finance also publishes regular pool updates.
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 continues accumulating.
The codebase draws on patterns established by OpenZeppelin and has undergone numerous independent security reviews. No significant exploit has taken place since the v1 launch in 2021.
Your wallet stays in control until you approve a transaction. Maple Finance never holds private keys or stores assets off-chain.
Syrup tokens function across Ethereum and, through integrations, on Solana via Kamino. Polygon support is listed on the public roadmap for upcoming protocol versions.
The earn dashboard displays live APY figures drawn directly from on-chain data. No smoothed averages, no hidden spreads — just the actual number.
Borrowers undergo KYB and credit evaluation before accessing any Maple Finance pool. This procedure mirrors what a conventional credit fund would demand.
Active depositors earn SYRUP governance tokens on top of their base yield. You can stake, vote on protocol settings, or unstake from the dedicated Rewards page.
The Details section breaks down each active loan: borrower category, outstanding principal, and maturity date. Precisely the depth an informed depositor needs before allocating capital.
Core contract logic relies on audited OpenZeppelin libraries wherever possible. The team behind Maple Finance treats security as the primary deliverable, not an afterthought.
Still have questions? Visit the full questions page or check 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 seeking 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, head to the Earn section, enter a deposit amount in USDC or USDT, and confirm the transaction. You receive syrupUSDC or syrupUSDT immediately. Yield begins accumulating in the same block. That truly is the entire 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 fluctuates. They are not guaranteed, but they stem from actual credit activity rather than token inflation, which tends to make them more stable over time.
Access depends on your jurisdiction. Several 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 themselves.
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 precisely what backs your yield. Composability is another advantage — you can simultaneously use syrup tokens within other DeFi protocols.
Go to Portfolio, click Withdraw or Unstake, specify the amount, and submit. Withdrawals enter a liquidity queue. Processing time varies —