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Invest in multiple cryptocurrencies via a preconfigured portfolio
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Generate steady, passive returns on your cryptocurrencies
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Earn passive, recurring returns on your stablecoins
Earn passive, recurring returns on your Bitcoin
The simplest way to put your stablecoins to work
* Rates are variable and depend on market conditions. They are not guaranteed. The base rate will never be negative, and interest accrues continuously.
Historically, stablecoin yields have been higher than those offered by traditional savings products.
This difference is driven by specific market mechanisms that are distinct from state-guaranteed or insurance-backed savings products.
Stablecoin lending is designed for investors looking to diversify part of their wealth, savings or cash holdings, while understanding that it involves a different level of risk.
is an investment platform regulated in France and across Europe
Put your stablecoins to work and earn regular passive returns while limiting your exposure to crypto market volatility.
Put your cash reserves to work with stablecoin yields. Access crypto market opportunities while limiting your exposure to price volatility.
Meria is a French investment platform in cryptocurrencies since 2017, CASP-licensed by the AMF, chosen by over 150,000 individual and professional investors.
To help you make your stablecoins grow, Meria selects DeFi protocols, manages technical operations, and segregates your funds according to regulatory requirements. Thus, you benefit from yields from decentralized finance, without being constrained by technical complexity.
No. Your capital remains available at all times. Lending through our platform does not require a fixed commitment period or involve exit fees.
You can request a withdrawal whenever you wish. However, please allow up to 24 hours for your funds to become available in your wallet.
No. Returns are neither fixed nor guaranteed.
Rates fluctuate according to market conditions, particularly the level of demand for borrowing at any given time. The rates displayed on our platform reflect current opportunities in decentralized finance and may move up or down.
They are determined by market conditions rather than arbitrarily set by our team.
The yield comes from decentralized finance.
When you deposit your stablecoins, they are made available to borrowers through DeFi protocols. Borrowers pay interest on these assets, and a portion of that interest is passed on to investors.
Like any investment, stablecoin lending involves risks, including the potential for partial or total loss of capital.
These risks include the possibility of a stablecoin losing its intended peg, counterparty risk and technical risks associated with smart contracts. A vulnerability or malfunction in a protocol could affect the assets deposited through it.
Funds deposited through our platform are not covered by a capital guarantee. Accordingly, Meria cannot be held responsible for financial losses, repayment defaults or other losses resulting from the use of this product, subject to applicable French law and the terms governing the service.
The crypto-asset lending product is not regulated by the French Autorité des marchés financiers (AMF) under Regulation (EU) 2023/1114, known as the Markets in Crypto-Assets Regulation (MiCA).
No. A stablecoin is a crypto asset designed to track the value of a reference asset, such as the euro or US dollar.
Its objective is to maintain a stable value relative to that asset. However, under certain exceptional market conditions, a stablecoin may temporarily or permanently deviate from its target value, a phenomenon known as a depeg.
This risk is inherent to stablecoins and is independent of Meria.
We work exclusively with stablecoins that comply with the European MiCA framework and are designed to provide a high level of transparency regarding their underlying reserves.
Meria charges a fee of 10% on the interest earned.
This fee remains fixed and transparent, regardless of changes in the applicable interest rate.
The returns displayed and paid to you are net of fees. Please refer to our fee policy for full details.
Lending is a mechanism that allows crypto assets to be made available to borrowers through decentralized finance.
In practice, your stablecoins are made available to borrowers who use them for their activities and pay interest in return.
The mechanism is broadly similar to earning interest on deposited funds in traditional finance, but it involves digital assets and different risks.
Not in the technical sense of the term.
Staking and lending are two different mechanisms, although they are sometimes used interchangeably when talking about earning returns on crypto assets.
Staking involves committing crypto assets to a blockchain to help secure and operate the network. In return, participants receive rewards, generally paid in the network's native crypto asset.
Lending, by contrast, involves making assets available to borrowers through decentralized finance protocols, who pay interest in return.
While both can generate returns for investors, the underlying mechanisms, and therefore the associated risks, are fundamentally different.
Stablecoins themselves are not used to validate blockchains, so they cannot be staked in the traditional technical sense of the term.
When platforms refer to 'stablecoin staking', they are generally referring to a yield-generating mechanism such as lending rather than actual blockchain staking.
Understanding this distinction is important when assessing the risks and characteristics of an investment.
Meria obtains the MiCA license
