Case summary
What happened
Coinmerce currently operates an Earn Program through a Yield Account and Coinmerce Earn B.V. The reviewed first-party terms create a lending relationship in which the client is lender and Coinmerce Earn is borrower. Eligible assets dedicated to Earn leave the ordinary Foundation custody structure and may be used by Coinmerce Earn for on-lending or staking with third parties to generate yield. Current material documents weekly rewards and Yield Account risks and distinguishes Earn assets from ordinary Foundation-held custody balances. The reviewed first-party sources do not establish one exact original Earn launch date, so CYA leaves launch_date unresolved and creates no launch event.
Customer result
Customer outcome
Not applicable
Not-applicable is not a principal, yield, counterparty or solvency guarantee. Earn uses a lender/borrower structure in which dedicated assets leave ordinary Foundation custody and may be used for on-lending or staking.
- Estimated recovery
- No platform-wide Coinmerce Earn customer-loss, claims or repayment process was identified in the reviewed first-party sources; current first-party material presents the Earn Program as active.
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Platform-owned
Platform-owned is grounded in the explicit lender/borrower structure and transfer of dedicated Earn assets outside ordinary Foundation custody. It does not imply guaranteed principal or yield and does not eliminate borrower, third-party, staking, market, liquidity, operational, regulatory or insolvency-related risk. Reverify on future terms changes.
- Affected product
- Coinmerce Earn
- Confidence
- High
Coinmerce's current Earn terms define the client as lender and Coinmerce Earn B.V. as borrower of eligible cryptoassets dedicated to the Yield Account. Those assets leave the ordinary Foundation custody structure and may be used by Coinmerce Earn for on-lending or staking. CYA therefore records platform-owned treatment for the reviewed Earn lending arrangement rather than customer-owned custody.
Known unknowns
Uncertainty
Current operation and the lender/borrower structure are supported by first-party material, but the reviewed sources do not establish one exact original Earn launch date. Reward rates, eligible assets, counterparties and governing terms can change.
Chronology
Historical record
No events yet.
Source record
Evidence dossier
Filter by claim, reliability, source type, and whether evidence is linked to a specific event.
status
1 sourcesWhat is Earn?
Coinmerce
Current first-party explanation of the Earn Program, Yield Account and Coinmerce Earn B.V. lending/yield structure.
terms risk
2 sourcesGeneral Terms and Conditions
Coinmerce
Current first-party general terms distinguishing ordinary Foundation custody from Yield Services and describing the separate Coinmerce Earn entity and transfer of eligible Earn assets outside ordinary Foundation custody.
Earn Terms and Conditions
Coinmerce
Current first-party Earn terms defining the client as lender and Coinmerce Earn B.V. as borrower, with dedicated assets available for on-lending and staking to generate yield.
No evidence records match the current filters.
Comparative records