Yield infrastructure for the platforms that distribute crypto to end-users. Managed white-label or direct API. Your brand, your users, your UX. We run the book: custody, credit, settlements, reporting.
Two ways to integrate
Both paths deliver the same lending product. The difference is who owns the user-facing layer, and how fast you reach production.
Managed · White-label
We run the product end-to-end. You launch under your own brand on UI we theme to match. Fastest route from contract to live.
~7 days to launch
earn.api
POST
/v1/users/{userId}/accounts
{ product: "earn-usdc" }
POST
/v1/accounts/{accountId}/deposit
{ amount: "10000" }
API · Build on Tesseract
Direct API access to the same lending book. You build the user experience; we run custody, credit and settlement.
14–21 days to integrate
Tell us about your product, users, and timeline. We’ll point you to the right path. Discovery calls take thirty minutes.
Compare paths
The same lending book underneath, split by where the user-facing surface lives and who owns the operational layer.
Getting started
Most partners are live in weeks, not months. Either path runs on the same institutional book.
Scoping call. Complete DDQ. Sign the partnership agreement. KYB on your entity.
Mutual NDA signed. Alignment call covering integration process, channels, and timeline. Commercial terms agreed during partnership setup.
KYC model agreed up-front: Tesseract, your team, or shared. Compliance API credentials issued. Optional Compliance app embedded if you want it.
Authentication credentials delivered via secure share. Exchange test and production settlement wallet addresses.
Wallets whitelisted. Branded UI deployed. Minimal lift on your side.
Build the eight-endpoint integration: authentication, product list, user/account creation, deposit, balance and transaction views, withdrawal, daily settlement, daily interest sync. Complete acceptance testing in the sandbox.
You distribute to your users. We run the book, manage risk, and ship monthly statements.
Alliance Agreement signed (prerequisite for production access). Production acceptance testing verified. Service opens once both sides are satisfied.
FAQ
Exchanges, neobanks, custodians, and wallet providers that want to offer yield on stablecoins and major crypto assets to their users, without standing up the custody, credit, and risk infrastructure themselves.
Custodians, crypto exchanges, wallet providers, fintechs, brokerages, wealth managers, and asset managers. We integrate into both regulated and non-regulated partner environments.
Managed is a white-label deployment. Tesseract provides themed UI, KYC, and end-user onboarding alongside the book operation. API is a direct integration where your platform owns the front-end and KYC; Tesseract operates the book behind your endpoints. Both paths run on the same custody, credit, and risk infrastructure.
Most partners complete the full onboarding flow in 5 days to 2 weeks, depending on entity complexity and how quickly documentation comes together. Individual KYC typically clears in minutes to 1–2 business days, and standard KYB is approved within 2 business days of a clean document submission. Once onboarding is complete, a Managed deployment is typically live within a further 7 days; API integrations run 14–21 days depending on your engineering capacity and the scope of front-end work.
Tesseract lends to a diversified book of reputable, creditworthy counterparties: CeFi desks, market-makers, and delta-neutral prop firms. The book is operated within a documented credit-risk framework, with position-level transparency surfaced in monthly reporting.
Revenue is shared through either a rev-share or a spread model, agreed up front and structured to fit your commercial shape. We don’t publish rate cards. The first conversation is the right place to scope it. Typical first calls take thirty minutes.
Verification is a legal obligation under the EU AML Directives, FATF Recommendations, Finland’s national AML Act, and other applicable AML regulations. Beyond compliance, KYB and KYC protect both Tesseract and our partners from fraud, sanctions exposure, and counterparty risk.
Tesseract retains KYB and KYC records for up to 5 years, in line with EU Anti-Money Laundering Directive requirements and Finland’s national AML Act.
If the previous verification was completed through Sumsub, it may be possible to reuse part or all of it, subject to our own review. Verifications completed outside Sumsub cannot be reused directly, though supporting documents can often be accepted if they meet our recency and quality requirements.
Yes. Partners retain this authority. Tesseract operates the lending book behind your platform; user lifecycle management (suspension, ban, account closure) stays with your team.
Partner integrations use OAuth2 client-credentials (M2M) authentication. You’ll be issued a Client ID and Client Secret to exchange for bearer tokens. Detailed connection instructions are in the developer documentation portal.
Regulatory clarity
Lending is provided by Tesseract Earn Oy (registered in Finland) and is not a regulated financial service.
Not covered by investor compensation · Not a deposit · Capital at risk
