Everything your users need to know about depositing, withdrawing, and earning yield through Blend. This page is written at a Grade 8 reading level so you can adapt it for your own user-facing content.Documentation Index
Fetch the complete documentation index at: https://docs.blend.money/llms.txt
Use this file to discover all available pages before exploring further.
Deposits
Getting money into Blend is simple. Your users pick a token, enter an amount, and confirm. Blend handles the rest.Think of it like dropping money into a personal safe deposit box at the bank. The money goes straight into a box that only you can open. Nobody else’s money goes in there.
Pick the token and chain
Your user chooses which token to deposit and which chain it is on. Blend shows their available balance. Most major tokens work. Blend swaps and bridges automatically.
Enter the amount
They type how much to deposit or tap MAX to deposit everything. Blend shows a quote with the exact amount that will land in their Safe.
Withdrawals
Users can take their money out whenever they want. No lockups. No waiting periods. No penalties.It works like opening your safe deposit box. You walk in, take out what you need, and leave. The rest stays there, still earning.
Choose the amount
The user picks how much to withdraw or taps MAX to take out everything. They see their full balance including all earnings up to that moment.
Pick a destination
Same chain goes straight to their wallet. Different chain gets bridged over automatically. The user sees bridge fees before they confirm.
| Type | Typical time |
|---|---|
| Same-chain | Seconds (1-2 blocks) |
| Cross-chain | 1 - 5 minutes |
| Full exit (MAX) | Same as above |
Fees
Blend keeps costs low and shows everything upfront.| Fee | Cost | Who sets it |
|---|---|---|
| Gas fees | Free | Blend sponsors all gas |
| Deposits | Free | - |
| Withdrawals | Up to 5% | Blend (shown before confirm) |
| Currency swap | 0.05% per swap | Blend |
| Performance fee | Taken from yield | Blend |
| Cross-chain bridge | Small variable fee | Bridge protocol |
| Card purchases | Varies | Card provider |
FAQ
What is Blend?
What is Blend?
Blend is the system behind your savings product. When a user deposits, their money goes into their own personal Safe. It is not mixed with anyone else’s money. Blend puts their money to work across trusted DeFi protocols and they earn yield.
Who controls the money?
Who controls the money?
The user does. Their money sits in a personal Safe that only they can sign for. Blend’s automation can only do things the strategy allows. It cannot move money to anyone else.
What is a Separately Managed Account?
What is a Separately Managed Account?
Most apps pool everyone’s money into one big pot. Blend is different. Every user gets their own separate Safe. Their money, their risk, and their earnings are theirs alone. Nobody else’s problem can affect them.
What if markets get volatile?
What if markets get volatile?
The system monitors markets around the clock. If things start looking risky, it automatically moves money back to safety before a real problem develops.
What if Blend or the app goes offline?
What if Blend or the app goes offline?
The user’s money stays in their Safe. They can access it directly at safe.global or through any block explorer. No one can block their exit.
How safe is my money?
How safe is my money?
Each user’s Safe is a real Gnosis Safe, the same technology that secures billions in DeFi. They are the only signer. Since every user has their own Safe, there is no big shared pool to drain. See Security for the full picture.
Does anyone have a master key?
Does anyone have a master key?
No. There are no admin keys that can move user funds. Blend uses a permission system that can only do the specific actions the strategy requires.
What does it cost?
What does it cost?
Gas fees are free. Blend takes a performance fee from yield, but the APY shown already has it taken out. The number shown is what users earn. There is a 0.05% fee on currency swaps. Cross-chain transfers have a small bridge fee.
Do users need ETH or gas tokens?
Do users need ETH or gas tokens?
No. Blend pays all gas costs. Users only need the token they want to deposit.
What are Blend Points?
What are Blend Points?
Blend Points reward users for holding a balance. The longer they stay and the more they hold, the more they earn. A streak bonus of up to 100x kicks in after 30 days of holding at least $100. Users can also earn referral points by inviting friends.
How does currency swap work?
How does currency swap work?
Users can swap between USD (USDC), EUR (EURC), SGD (XSGD), and BRL (BRZ) stablecoins. The swap happens at real-time rates with a 0.05% fee. Gas is free. Most swaps finish in seconds.
Where can I track performance?
Where can I track performance?
The dashboard in your app shows balances, earnings, points, and transaction history. All data comes from on-chain records, so it is always accurate and verifiable.
What chains does Blend support?
What chains does Blend support?
Base, Ethereum, Arbitrum, Polygon, Scroll, HyperEVM, and Botanix. See Chains & Tokens for the full list.
What tokens can users deposit?
What tokens can users deposit?
Most major tokens work. Blend automatically swaps and bridges them into the asset the account type needs. Primary supported tokens are USDC, USDT, and USDe.
Security
Learn how user funds are protected at every layer.
Chains & Tokens
See all supported chains and tokens.