TON Earn

TON Earn

After some redesign, the “Earn” feature is back and updated. Now Earn is a new program, with no time limit, and with opportunities to earn daily rewards for storing crypto assets in an Earn account.

What are Earn’s advantages?

  1. Use Crypto Wallet for its primary service: store your cryptocurrency and receive rewards without any costs or efforts from your side.
  2. Deposit fast: with Earn, you can make instant deposits to your Earn account without any fees.
  3. Get higher rewards: compounding allows you to earn new rewards on your previously earned ones.
  4. Withdraw rewards instantly to your Crypto Wallet account at any time, without any fees.
  5. Clear interface allows you to manage your Earn account at any time without complex calculations.

You can join by checking the Earn page in Crypto Wallet and tapping on ‘Start Earning’. Deposit any amount starting from 0.1 TON in Earn and get daily rewards for your deposit.

If you need help topping up your Crypto Wallet, check out the instructions here.

Make sure to read the Terms of the program here.

Start date: March 13, 2025

Where do rewards for TON Earn come from

Crypto Wallet stakes an amount of assets equivalent to what you commit to Earn on the TON blockchain, helping support its operations. The rewards are generated directly through the blockchain’s staking process and passed down to Crypto Wallet, which then distributes them to you as a TON Earn participant.

What is staking and is it secure

Staking is one method of earning passive income for crypto assets, based on a Proof-of-Stake (PoS) mechanism. The participants lock their assets (i.e. stake them) to maintain the blockchain’s operating functions, transaction reviews, and the creation of new blocks in the blockchain. In return, they receive extra jettons as rewards.

Unlike in Proof-of-Work (PoW), where miners use computing power to solve complex problems, PoS relies on its participants, who “freeze” their assets for a specified time period. Cryptocurrency staking increases network efficiency, and its users get token rewards. In our case, users will get rewards in Toncoin (TON).


Here are some benefits of participating in Crypto Wallet’s TON Earn:

  • Easy to use: store your assets the same way you would store them in a regular wallet, and gain daily bonuses in accordance with the applicable Flexible APY.
  • Minimum threshold: start earning bonuses by topping up your Earn account with as low as 0.1 TON.
  • No fees: withdraw funds from the Earn account without any extra fees.

Important: While providing services for cryptocurrency storage, Crypto Wallet does not provide investment advice. Like any other cryptocurrency related operation, staking involves risks. Crypto Wallet does not control the TON blockchain and is not responsible for the network performance. Before making an investment, we encourage you to do your own research and due diligence and carefully check TON Earn Terms.

Learn more about the process and mechanisms of staking in the official TON Blockchain whitepaper.

How long will the new TON Earn last

Store your crypto assets in the Earn account without any time limits. The staking program does not have an end date. You can open your Earn account and top it up at any time, starting from March 13.

Is participation restricted for certain regions

Yes, there may be certain regions where participation is restricted. In accordance with the User Agreement, Crypto Wallet reserves the right to select markets, jurisdictions, and may restrict some services in countries with perceived risks, at its discretion, or as mandated by laws, authorities, or sanctions.

Crypto Wallet can thereby define and regulate the list of jurisdictions where Earn programs may be available.

If you do not see the related ‘Earn’ tab in your Crypto Wallet, it is likely that the program is not available in your region.

How can I deposit TON into my Earn account

On the TON Earn page, tap ‘Deposit’ and type in the amount in TON that you wish to place in the Earn account. If you don’t have enough TON in your balance, you can top up your Crypto Wallet in the following ways:

After being deposited into your Earn account, the funds will appear in the ‘Balance’ section on the TON Earn page. Later on in this section, you will be able to view the funds you deposited, rewards included.

How much can I deposit into my Earn account

There is no maximum deposit limit — you can deposit any amount starting from 0.1 TON and increase your staked deposit periodically to get even higher rewards.

The minimum deposit amount is 0.1 TON.

When will I receive my first rewards

You will start earning rewards the next full day following your deposit successfully reaching your Earn account. For example, if you deposit your TON at 23:00 UTC on March 13, and it successfully is credited to your Earn account, you will accrue rewards starting March 15 (between 07:00 and 12:00 UTC).

In this case, only March 14 is counted as a full day. March 13 will not be counted in the calculation, since it wasn't a full day of your funds stored in the Earn account (i.e. it was only 1 hour out of the entire day of March 13).

The reward amount for a specific day depends on the minimum balance that you had in your Earn account on the previous calendar day. In the example above, you are not eligible for March 14 rewards, since the minimum balance on March 13 was 0 TON. The reward for March 15 will be calculated based on the minimum balance on March 14.

Where will the rewards be credited

Rewards in TON are accrued daily on the remaining deposit balance of your Earn account.  After that you will be able to transfer them to your main Crypto Wallet balance. Rewards can be withdrawn to your Crypto Wallet in parts or all at once, upon canceling your participation in the campaign.

What does APY mean

APY (Annual Percentage Yield) refers to the annual rate of return on your Earn deposit, expressed as a percentage. In simple words, if you deposit TON, APY will help you understand how many Toncoins you will accrue over a one-year period. The interest you earn will then roll into the next calculation: the longer you keep funds in Earn, the larger your yield will be over time.

The APY rate is volatile, and its percentage amount may change daily. A certain reward amount is not guaranteed. For the up-to-date APY information, always refer to the TON Earn page.

What does Boosted APY mean

Boosted APY helps you make an extra return on your Earn deposit. Boosted APY uses the same calculation formula as Base APY, but applies only if you keep a specified amount of funds in your Earn account at a specified time period.

Extra rewards at the Boosted APY rate are only available to users who are depositing to TON Earn for the first time. If you are joining TON Earn for the first time (even if you participated in other Earn programs before), you will be eligible for Boosted APY rewards for 60 days after you make your first TON Earn deposit.

Read here on how Boosted APY rewards are calculated.

How does Boosted APY work

Boosted rewards are calculated using the same formula as Base rewards, but with some limitations. Boosted rewards at a fixed 8% APY will accrue only on the first 500 TON received in your Earn account. If your Earn balance exceeds 500 TON, Boosted APY will apply only to the first 500 TON, and the remaining balance will earn rewards at the Base APY.

Example calculations (assuming a 4% Base APY):

  • If you deposit 400 TON, you will receive rewards at 8% Boosted APY (i.e. basic rewards at 4% Base APY + extra rewards at approximately 4% APY) on the entire deposit.
  • If you deposit 600 TON, you will receive rewards at 8% Boosted APY (i.e. basic rewards at 4% Base APY + extra rewards at approximately 4% APY) only on the first 500 TON deposited. The remaining 100 TON will earn you rewards only at 4% Base APY.
  • After the Boosted APY period is over (that is, in 60 days after your first transaction to TON Earn), you will receive rewards only at the relevant Base APY, regardless of your Earn account balance.

Please note: Boosted rewards are available for a limited time — only for the first 60 days after your initial deposit to TON Earn.

How is APY calculated and what does it depend on

The percentage value for Boosted APY is the sum of Base APY (changes daily) and APY for extra rewards, and is fixed at 8%.

Please note: the percentage value that you see in the ‘APY’ field is the effective rate, accounting for both Base and Boosted APY rates.

Effective APY (Annual Percentage Yield) is the real rate of return, expressed as a percentage, that shows how much you can earn in one year, taking into account the effect of compounding interest. It differs from Base APY by incorporating how frequently the interest is compounded (in this case - daily). See here how the effective rate is calculated.

How are the rewards calculated

Here is the formula to calculate your reward:

Example: you deposited 500 TON to your Earn account.

If the APY rate is 4%, then you will receive the following reward: 

If the APY rate is 8%, then you will receive the following reward:


How are the Boosted APY rewards calculated

Here is the formula to calculate your Base rewards:


And here is the formula to calculate your Boosted rewards:


Example: you deposited 600 TON to your Earn account during the Boosted APY period (first 60 days in TON Earn).

If the Base APY is 4%, then you will receive the following reward on the full balance:


If the Boosted APY is 4%, then you will receive the reward with this APY on your deposit’s first 500 TON only:


This way, your total reward per day will be:



Why is 4% Base APY + 4% Boosted APY ≠ 8%

This is because the annual percentage yield (APY) already accounts for compound interest (reinvestment). APY is not just a “yearly rate” but the eventual capital growth including the fact that the earned profit itself starts generating new profits. Due to compounding, the result is always higher than the simple sum.

Since in this case the annual rates apply sequentially (first Base APY, then Boosted APY), the final APY is calculated using the following formula:


If you first earn rewards at a 4% Base APY, and then another 4% APY is applied to the increased balance, then you will get the following Final APY:


The final APY is 7.57%, not 8% (since the second reward payment goes to an already increased balance). Due to compounding, the final result is always greater than the simple sum. As a result, in order for the final APY to be exactly 8%, rewards for the current day may accrue at an APY lower than 8%.

How is Effective APY calculated

Here is the formula to calculate the applicable Effective APY:


For example, in scope of the above calculations, the Effective APY will be:


How much will I receive if I deposit 1500 TON on April 2? How do you calculate the reward

Reward calculation is based on the minimum deposit balance from the previous calendar day. This means you will start to see rewards accruing one day after your initial deposit.

Let us look at the example above, accounting for 4% APY. The reward for April 3 will be calculated based on a balance of 0 TON, as the minimum balance on April 2 was 0 TON. The reward for April 4 will be calculated based on the minimum balance on April 3, which is 1500 TON. In that case the reward would be around 0,15 TON.

Your rewards will continue to accrue every day after — without needing to add more TON to your Earn account.

The APY rate is volatile, and its percentage amount may change daily. A certain reward amount is not guaranteed. For the up-to-date APY information, always refer to the TON Earn page.

Will rewards be credited to my Crypto Wallet

The TON rewards you claim will go directly to your Earn account. Crypto Wallet is the only method to withdraw your TON from the Earn account.

Why am I receiving different rewards amounts on different days, despite the same total deposit

The APY rate is volatile, and its percentage amount may change daily, due to market conditions and blockchain performance. If APY rates change, the reward amount may also differ on different days, even if the deposit amount is the same.

Where can I see my accrued rewards

You can see the total rewards accumulated during your entire period of participation in TON Earn in the ‘Total Earned’ section on the TON Earn page. Below that you can also see the most recent reward accrual from the previous day.

The full reward history is accessible in your Transaction History on the Earn page.

Do I need to complete verification to participate in TON Earn

You have to pass verification successfully to make a deposit in your Earn account. If you haven’t verified your Crypto Wallet yet, you can do so on the Earn page by сhoosing the desired program.

To participate in TON Earn, it is mandatory to pass verification in Crypto Wallet. The required verification level depends on internal security measures and is set on a case-by-case basis, taking into account various criteria.

Once you confirm your participation in TON Earn, Crypto Wallet will suggest the verification level you need. Read more about different verification levels.

My verification (KYC) was not successful, will I be able to participate

Successful verification is mandatory for participation, in accordance with the Terms of the program. If you failed to pass KYC, we recommend that you contact our customer support. Our team will take a closer look at your situation and communicate the next steps.

I no longer wish to participate in TON Earn

You can close your Earn account and withdraw the whole deposit, along with the rewards earned, at any time. To do so, tap ‘Withdraw’ and type in the amount for withdrawal. The TON amount (your deposit plus rewards) will appear in your Crypto Wallet balance.

When requesting a withdrawal from your Earn account, you withdraw funds from its joint balance, including both your deposit and all the rewards earned.

I withdrew funds from TON Earn and closed my Earn account. Can I participate again

Yes, you can deposit and participate in TON Earn again. However, the campaign terms and the APY rate are subject to change and may be different at that time.

Why does my friend / relative earn Boosted APY rewards, but I don’t

This is indeed possible in the case when more than 60 days passed since your first transaction in TON Earn, while your friend’s first transaction was within the past 60 days.

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