Gold Earn

Gold Earn Campaign

Gold Earn is a new Earn campaign that allows you to earn daily rewards for depositing XAUT in your Earn account.

You can join by checking the Earn page in Crypto Wallet, choosing ‘Gold’ and tapping on ‘Start Earning’. By participating in Gold Earn, you will receive daily XAUT rewards for your deposit.

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

This new campaign also gives users the opportunity to get rewards from an additional prize pool. The prize pool is limited, and the additional rewards will be awarded for 60 days after you make your first Gold Earn deposit, or until this prize pool is exhausted. Bonus rewards are only awarded for the first 0.09 XAUT deposited into Gold Earn.

Make sure to read the Terms of the Campaign here.

Note: the campaign duration depends on the number of participants. If the prize pool is fully used before the official campaign end date, then the campaign will finish ahead of the planned date. Rewards will only be available until the campaign’s scheduled end date or until the prize pool is exhausted, whichever comes first.

Start of campaign: August 13, 2025.

End of campaign: December 31, 2025.


What is Gold? What is XAUT

Gold is just another name for the XAUT token in the Crypto Wallet interface.

Tether Gold (XAUT) is a token developed by Tether that combines the features of physical and digital assets by allowing its holders to own physical gold in the form of a digital token.

We are glad to announce that XAUT is now also available in Crypto Wallet. You can withdraw and deposit XAUT from external services, send the tokens to Telegram contacts, as well as swap them to TON or USDT via our Trade section.

Tether is an independent project with no affiliation to the Crypto Wallet team. For more updates and details about the project, check the token’s official website.

Where do rewards for Gold Earn Campaign come from

Under the campaign Crypto Wallet provides Base and Boosted APY. Both Base and Boosted rewards come from Crypto Wallet's dedicated total prize pool of 200 XAUT.

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 participating markets and jurisdictions, and may restrict some services in countries or specific regions.

You can check whether the Gold Earn Campaign is available to you in the ‘Earn’ section. If you do not see the related ‘ Earn’ tab in your Crypto Wallet, it is likely that the Campaign is not available in your region.

How can I deposit XAUT into my Earn account

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

  • Deposit XAUT from another TON wallet or from a centralized crypto-exchange (CEX).
  • Your Telegram contacts can also transfer XAUT to you via a Telegram chat or using your wallet address.
  • Exchange other cryptocurrencies for XAUT.

After being deposited into your Earn account, the funds will appear in the ‘Balance’ section on the Gold Earn page.

How much can I deposit into my Earn account

You can deposit up to 3 XAUT to your Earn account.

Note: there is a maximum limit on the amount that accrues bonus rewards, and this limit is 0.09 XAUT.

The minimum deposit amount is 0.0003 XAUT.

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 XAUT at 23:00 UTC on August 13, and it successfully is credited to your Earn account, you will accrue rewards starting August 15 (between 07:00 and 10:00 UTC).

In this case, only August 14 is counted as a full day. August 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 August 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 August 14 rewards, since the minimum balance on August 13 was 0 XAUT. The reward for August 15 will be calculated based on the minimum balance on August 14.

Where will the rewards be credited

Rewards in XAUT (both Base and Bonus) are accrued daily in separate transactions on the remaining deposit balance of your Earn account. After that, you will be able to transfer them to your main Crypto Wallet balance 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 XAUT, APY will help you understand how much XAUT you would 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 changes weekly. A certain reward amount is not guaranteed. For up-to-date APY information, always refer to the Gold 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 for the first 0.09 XAUT for a specified time period.

Extra rewards at the Boosted APY rate are only available to users who are depositing to Gold Earn for the first time. If you are joining Gold Earn for the first time (even if you participated in other Earn campaigns before), you will be eligible for Boosted APY rewards for 60 days after you make your first Gold 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 15% APY will accrue only on the first 0.09 XAUT received in your Earn account. If your Earn balance exceeds 0.09 XAUT, Boosted APY will apply only to the first 0.09 XAUT, and the remaining balance will earn rewards at the Base APY.

Example calculations (assuming a 4% Base APY):

  • If you deposit 0.02 XAUT, you will receive rewards at 15% Boosted APY (i.e. base rewards at 4% Base APY + extra rewards at approximately 11% APY) on the entire deposit.
  • If you deposit 0.15 XAUT, you will receive rewards at 15% Boosted APY (i.e. base rewards at 4% Base APY + extra rewards at approximately 11% APY) only on the first 0.09 XAUT deposited. The remaining 0.06 XAUT will earn you rewards at 4% Base APY.
  • After the Boosted APY period is over, you will receive rewards only at the relevant Base APY, regardless of your Earn account balance.

Note: Boosted rewards are available for a limited time — for 60 days after you make your first Gold Earn deposit, or until the Boosted prize pool is exhausted.

How is APY calculated and what does it depend on

The percentage value for Boosted APY is the sum of Base APY (changes weekly) and APY for extra rewards, and is fixed at 15%.

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 0.1 XAUT to your Earn account.

If the APY rate is 4%, then you will receive the following daily 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 0.1 XAUT to your Earn account during the Boosted APY period.

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

If the Boosted APY is 11%, then you will receive the reward with this APY on your deposit’s first 0.09 XAUT only:

This way, your total reward per day (Total Payout) will be:

Why is 4% Base APY + 11% Boosted APY ≠ 15%

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% APY, and then another 11% APY is applied to the increased balance, then you will get the following Final APY:

The final APY is 15.08%, not 15% (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 15%, rewards for the current day may accrue at an APY lower than 15%.

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 0.1 XAUT on August 13? 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 August 14 will be calculated based on a balance of 0 XAUT, as the minimum balance on August 13 was 0 XAUT. The reward for August 15 will be calculated based on the minimum balance on August 14, which is 0.1 XAUT. In that case, the reward would be around 0.00001 XAUT.

Your rewards will continue to accrue every day after — without needing to add more XAUT 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 Gold Earn page.

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 Gold Earn in the ‘Total Earned’ section on the Earn page. By tapping ‘See Details’, you can also see which of the accrued rewards are Base APY rewards, and which are Boosted APY ones.

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

Do I need to complete verification to participate in Gold 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 Gold 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 Gold 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 campaign. 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 Gold 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 XAUT 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.

The minimum withdrawal amount is 0.000001 XAUT. If you have less than 0.000001 XAUT in your balance, consider keeping your deposit in the Earn account a little longer until you reach the minimum withdrawal amount.

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

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

The Campaign ended, but I haven't managed to claim my rewards

No need to worry if you were not claiming your rewards during the Campaign period. The XAUT amount (your deposit plus all the rewards earned) will automatically appear in your main Crypto Wallet balance within 3 days of the Campaign’s end date, or 3 days after the prize pool is exhausted, whichever comes first.

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