Beans Earn enables users to earn up to 10% APY by leveraging a decentralized lending mechanism, bypassing traditional banking systems. Users can deposit funds into their Beans Wallet and convert local currencies to USD or EUR with no conversion fees, benefiting from competitive exchange rates. The Earn feature supports instant deposits and withdrawals with daily compound interest, offering flexibility and control over funds. This program operates on the Stellar blockchain, utilizing smart contracts from Blend Capital, optimized by Defindex. Users’ assets are held securely, and the platform has received the Stellar Community Fund Award twice for its contribution to equitable financial access. While strong safeguards are in place, participants should consider potential market risks.