Gold Earn

Gold Earn

Gold Earn is a new campaign by Affluent, available directly in the DeFi Account interface. It allows you to:

  • Deposit XAUt0 into the Affluent’s dedicated Gold Multiply Vault and earn income.
  • Start with any amount of XAUt0.
  • Retain full control over your assets: track earnings and withdraw XAUt0 at any time under Affluent’s terms.
  • Use a decentralized system — Affluent has no access to your funds.

The campaign is conducted by third-party service and is governed by the terms and mechanisms of Affluent. DeFi Account only provides a convenient interface to access the campaign.

What is Gold? What is XAUt0

Gold is just another name for the XAUt0 token in DeFi Account.

Tether Gold (XAUt0) is a TON-version of the XAUT 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.

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

What do I need to participate in Gold Earn

To participate, you only need:

  • DeFi Account.
  • XAUt0 in your DeFi Account balance: you can top up your DeFi Account or swap other tokens for XAUt0.
  • TON or Telegram Stars to pay the network fee for the deposit. If you don’t have TON, the fee can be paid in USDT.

How to deposit XAUt0

  1. Open the ‘Earn’ section in the bottom menu of your DeFi Account and select XAUt0.
  2. On the campaign page, tap ‘Deposit’.
  3. Enter the amount you want to allocate, review the fee, and then confirm the operation by tapping ‘Confirm and Deposit’.

The process takes only a few minutes. Once the transaction is confirmed, it will appear as successful, and your coins will start participating in the campaign and earning yield, and the deposited amount will be visible on the campaign page.

How much can I deposit into Gold Earn

You can deposit any amount of XAUt0, there are no minimum or maximum deposit limits.

What is Affluent

Affluent is a decentralized platform on the TON blockchain that simplifies access to profitable DeFi strategies. Using its Vault smart contracts, it accepts XAUt0 and deposits them into a dedicated Gold Multiply Vault to generate additional yield, providing the full infrastructure from deposit to withdrawal. Learn more about Affluent here.

What is the role of DeFi Account in Gold Earn

The Gold Earn campaign is operated by a third-party organization. DeFi Account only provides a convenient interface to access the campaign. The terms and mechanisms of its operation are determined by Affluent. We recommend reviewing its policies and rules before participation.

Where does the yield come from

Yield is generated through Affluent’s dedicated Gold Multiply Vault, where your XAUt0 are deposited. You can learn more about how yield is generated in the Gold Multiply Vault here.

What does APY Mean

APY (Annual Yield or Annual Percentage Yield) shows the percentage of income you can earn over a year on the funds deposited in Gold Earn.

When you deposit XAUt0, you immediately see an estimated 30-days return based on the current APY and token market price. The actual return may differ due to changes in the APY and XAUt0 price.

The APY may change over time due to market conditions, strategy, and other factors. The up-to-date APY is always available on the Gold Earn campaign page.

How does Gold Earn work

How does Gold Earn work

In the DeFi Account interface, you only see the deposit and withdrawal of XAUt0 — all internal Gold Multiply Vault operations are executed automatically.

How can I see my earnings

Rewards start accruing immediately after the deposit and are reflected in the value of affGOLDm, which you receive when depositing XAUt0. As the price of affGOLDm increases, your accumulated rewards grow. You can view the current affGOLDm price on the main DeFi Account page and in the “Earnings Assets” section.

How to withdraw XAUt0

To withdraw funds from Gold Earn, tap 'Withdraw' on the campaign page — the withdrawal option will appear automatically.

  • If tokens are available in the reserve (the token pool), you will see the 'Instant' option, and XAUt0 will be credited to your balance immediately.
  • If there is insufficient liquidity in the pool, the instant withdrawal may be unavailable or limited to part of the amount. In this case, you can either wait for the reserve in Gold Multiply Vault to update (updated once a day) or use the 'Regular' option to withdraw the full amount or part of it.

When using the 'Regular' option, the transaction will remain 'Pending' for up to 24 hours — this time is needed to withdraw funds from the protocol. After the transaction is successfully processed, its status will change to 'Successful' and the funds will be credited to your DeFi Account.

Fees in Gold Earn

Deposit: When depositing XAUt0, a network fee applies (from 0.02 to 1.4 TON), which can be paid in TON or Telegram Stars. If you don’t have TON, the fee can be paid in USDT. After the transaction is confirmed, any unused portion of the fee is automatically returned to your wallet.

Withdrawal: A network fee also applies when withdrawing funds (0.02–1.4 TON), payable in TON or Telegram Stars. If you don’t have TON, the fee can be paid in USDT. After confirmation, any unused portion is returned to your wallet.

  • Instant Withdrawal: no additional fees are charged.
  • Regular Withdrawal: Affluent charges 0.5% for redeeming XAUt0.

Note: 

  • All fees are displayed on the transaction confirmation screen so you can review them before completing the operation.
  • You can change the transaction fee payment method (TON, Telegram Stars, or USDT) in the ‘Network Fee’ field on the transaction confirmation screen.

Are there regional restrictions for participation

According to the DeFi Account Terms of Use, DeFi Account is not available in certain countries. You can view the list of restricted countries here.

Additionally, the third-party partner providing the Gold Earn services in DeFi Account has their own terms and conditions, which may include national or regional restrictions. Depending on these terms, the campaign may not be available in your region and/or jurisdiction.

Quick solutions to common issues

Situation

Possible cause

What to do
Unable to withdraw funds using Instant Withdrawal There is not enough liquidity in the reserve pool to process your request. Wait until the next day when the reserve is replenished and try again, or use Regular Withdrawal instead.
Requested a Regular Withdrawal, but funds haven’t arrived The transaction is still processing (up to 24 hours) or there is a temporary interface glitch. If less than 24 hours have passed, the withdrawal is still pending — check the status in your DeFi Account. If more than 24 hours have passed, contact support. Make sure your internet connection is stable and try reopening DeFi Account.
APY has decreased APY is volatile and depends on market conditions. Check Gold Multiply Vault updates — this may be temporary. 
The Earn or Gold Earn section is not visible in DeFi Account Regional restrictions or temporary suspension of the campaign. If you are in a country where the service is unavailable, the campaign will not appear. Also check DeFi Account’s official channel for any announcements about temporary suspensions.
Error 'You don’t have enough TON, USDT or Telegram Stars to pay for transfer fee' when confirming a transaction Your balance doesn’t have enough USDT, TON or Telegram Stars to cover the network fee. Check your balance and leave a small amount for the fee, which may range from 0.02 to 1.4 TON. If needed, top up your DeFi Account.

If the problem persists, contact our support team — we’ll help you resolve it.

Are there any risks involved with participating in Gold Earn

Note: Gold Earn is a DeFi protocol with a medium level of risk among the strategies available in the DeFi Account interface. Learn more

As with any DeFi project, Gold Earn carries certain risks. Affluent operates on open-source smart contracts that have passed independent audits, and asset management is handled exclusively through these contracts — the service does not have access to your funds.

Before participating, review all available information and consider the potential risks. You can learn more about the risks and mitigation measures on the Affluent website.

Note: DeFi projects are managed by third-party entities that are not affiliated with DeFi Account. DeFi Account simply provides a convenient interface for accessing these projects. Any information we provide is not and should not be considered investment, tax, financial, legal advice, or a trading recommendation.

DeFi Account is not responsible for the organization, execution, or outcomes of any DeFi project.

DeFi Account does not guarantee the availability, eligibility for, or receipt of any rewards, and assumes no responsibility for any losses, delays, or disputes arising from participation in such DeFi projects.

Always do your own research (DYOR) and carefully assess risks before participating in any DeFi service.

Did this answer your question? Thanks for the feedback There was a problem submitting your feedback. Please try again later.