Earn passive, regular interest by lending your crypto

What are the risks associated with crypto asset lending?

Like any investment, crypto asset lending carries risks that are important to understand before getting started. Here are the main ones:

• Technological risk: the blockchains and smart contracts on which the service relies may have technical vulnerabilities.
• Volatility risk: the value of crypto assets can fluctuate both upwards and downwards.
• Liquidity risk: under certain market conditions, it may be difficult to recover your assets within the desired timeframe.
• Counterparty risk, related to the use of protocols where funds are deposited.
• Peg risk (depeg): some assets pegged to a reference value (like a stablecoin) may lose this peg under exceptional circumstances.
• Macroeconomic risk: the economic and regulatory environment may evolve and impact the value or accessibility of your assets or the service.
• Risk of partial or total capital loss.

These risks often fall within the broader context of the inherent risks associated with crypto assets. We implement appropriate measures to manage them, although we cannot eliminate them entirely.

What are Meria's lending fees?

A percentage is deducted from the interest generated by your lending contract. These fees are deducted upfront from the payment, so the interest credited to your account is always net of fees.
Example: if your BTC lending contract generates 0.10 BTC in interest and the applicable fee rate is 10%, then 0.01 BTC is deducted, and you receive 0.09 BTC net directly in your account.

At every step, you have complete visibility on the financial conditions applied, with no hidden fees.
You can find our fee policy related to all platform services via the following link: Fee Policy.

How long does it take for lending to be activated and generate interest?

Your crypto assets start generating interest within 24 hours of being lent. Once this period has elapsed, interest is distributed continuously.
Example: if you invest BTC in lending on Monday, your position starts generating interest on Tuesday.

How do I withdraw my crypto assets from my lending contract?

Lending at Meria is commitment-free: you are free to withdraw your crypto assets at any time, directly from your client area.
To make a withdrawal, follow these steps:

1. Go to your Meria account, under the "My Services" tab
2. Select the "Lending" category
3. Click on "Withdraw from lending" on the relevant contract
4. Enter the desired amount (you can withdraw only part of the position), then confirm

Once your request is confirmed, a 24-hour period applies before your crypto assets are available in your Meria wallet. This delay is inherent to the service's operation and may vary depending on the product concerned; we invite you to consult the product page for more information.

What is APR? Are the returns fixed and guaranteed?

APR (Annual Percentage Rate) represents the annual interest rate applied to your investment. It applies to the amount of crypto assets placed in your lending contract, not to the euro value of your investment.
Example: if you place 100 USDC in lending with an APR of 5%, assuming this rate remains constant over the year, your investment will have generated 5 USDC in interest after 12 months.

The returns displayed on our platform are neither fixed nor guaranteed. They fluctuate in real-time based on market conditions, specifically the demand for borrowing at any given moment in decentralized finance. Rates can therefore vary upwards or downwards, reflecting real market opportunities and are not arbitrarily set.
The rates displayed on our platform are indicative and correspond to the conditions observed at the time of consultation.

How are my cryptocurrencies secured on my Meria account?

The security of our clients' assets is a top priority. At Meria, we implement appropriate technical and organizational measures to protect your crypto assets at every stage, from deposit to withdrawal.
We operate in compliance with applicable regulations in the crypto asset sector, which impose high standards for security, service continuity, and client protection.

Regarding the lending product, it is not regulated and is not directly conducted by Meria. Therefore, the security of your funds offered by Meria for all its products cannot be guaranteed for this one.

For securing your Meria account, we recommend enabling two-factor authentication (2FA), a simple and effective measure to enhance the security of your access. For any questions regarding the security of your assets, our team is available to assist you.