How EarnPark makes money, and where the yield comes from

Deposits are not lent out to anonymous borrowers, and they are not paid out of new deposits. They are deployed into a fixed set of trading and on chain strategies, each one published in the app with its own mechanic, risk level, payout cadence and withdrawal terms before anyone deposits into it. As of 12 August 2026 there are 36 of them, 28 under Earn at low to medium risk and 8 under Advanced Yield marked high risk only. Nothing about that list requires a login to read.

Most of the capital sits in strategies that earn from trading activity rather than from the market going up. As we put it in our own February 2026 performance report, liquidity providing and market making strategies capture trading fees and spreads, which means they produce yield whether the market rises, falls or moves sideways, because they are driven by volume and volatility rather than by direction. That is the reason a quoted rate can hold through a bear market, and it is also the reason it is not a promise.

Every strategy in the app belongs to one of five families, and the mechanics below are our own descriptions, published in the help centre rather than written for this page. Maker Core is market making, the desk quotes both sides of an order book and earns the spread, running as a liquidity provider on Binance. Liquidity Providing is concentrated liquidity for a pair of assets inside a chosen price range on Uniswap V3, earning a share of the trading fees. DeFi is automated concentrated liquidity providing on Uniswap V3, alongside on chain lending positions. Liquid Staking is yield bearing assets, where the return is the underlying network's own staking reward. Perp is the Advanced Yield group, directional and leveraged positions, marked high risk, quoted as a flexible rate rather than a fixed one.

Bitcoin is a good coin to read first, because all three of the main risk levels sit on it at once, Maker Core at low risk, Liquidity Providing at medium risk, Perp at high risk, each with its own rate, its own payout cadence and its own withdrawal terms. Rates move with market conditions, so the current numbers live in the app rather than on this page. Whichever strategy a deposit lands in, the payout comes back in the same asset that was deposited, not in PARK or another token.

Market making is thin margin work. A desk earns a fraction of a percent per trade and makes money on repetition, which means trading costs decide whether the whole thing is profitable. EarnPark is a qualified market maker on Binance and has been since 2022, and that status carries better fee tiers than a retail account gets. Thinner fees mean more of each spread survives as yield instead of being eaten on the way through.

Be even handed about this one. Binance publishes no list of its market makers, so the status itself is not something an outsider can look up, and that page says so plainly. What is checkable is everything downstream of it, the strategies, the terms and the performance history.

Not user fees, and that is worth spelling out. Adding funds is free, holding a balance in the wallet is free, and moving between the wallet and a strategy is free. A withdrawal from the wallet costs only the network fee for whichever chain it moves on, which on some networks is cents rather than dollars. Exiting an investment strategy carries a network component on top of that, and the two stablecoin DeFi strategies, USDT and USDC, also charge a fixed fee plus a percentage of the amount on the way out. The amounts are per strategy and per network, so the current figures live in the fee and limits reference and in the app before you confirm a withdrawal. There is no subscription, no deposit commission and no tier you pay to reach.

So the revenue sits on the strategy side instead. As the business whitepaper puts it, EarnPark earns a fair share of management and performance fees on the investment solutions it runs. In practice most strategies quote a fixed rate, the desk carries the difference between what a strategy earns and what it quotes, and when a strategy earns more than the quoted rate, the excess stays with EarnPark.

This is the part that separates a published track record from a marketing number. Our own statistics page carries per strategy results year by year going back to 2018, and the losing years are on it alongside the winning ones. Algo Trend USDT returned -8.8% in 2021 and -11.35% in 2025. Algo Trend BTC returned -9.93% in 2025, after seven positive years including +159.03% in 2018. Maker Core BTC trends downward rather than flat, from +50.46% in 2018 to +5.33% in 2023, which is what a maturing market making edge looks like; the year-by-year record is on the same page, updated as years close.

Our own help centre says the same thing in plainer words, that profitability may vary from month to month given market conditions. A quoted APY on a trading strategy is an expectation built on a track record, not a guarantee, and the risk statement does not soften that either. If you want the setbacks with the responses attached, that is what Risks, mistakes & fixes is for.

The question behind this page is usually whether returns are paid out of other people's deposits, so here is how to test it rather than take our word for it. A Ponzi cannot name its revenue source, cannot show a loss, cannot let you inspect terms before you commit, and cannot show that customer assets exist. Every one of those is a document rather than an opinion.

The named revenue source is above and in the help centre. The losses are on the statistics page. The terms sit on each strategy in the app, readable without an account. Assets are held with Fireblocks rather than in house, and balances are published through Proof of Reserves. None of that makes a platform safe. It makes it checkable, which is the only thing a page like this can honestly offer.