SwissBorg Earn

Case summary

What happened

SwissBorg launched its first USDC Smart Yield wallet on 14 December 2020 and expanded the product across additional assets. In September 2022, SwissBorg introduced SwissBorg Earn as the next stage of Smart Yield, replacing a single strategy with multiple asset- and risk-specific strategies. Current support and pricing materials describe active Earn subscriptions, redemptions, payouts, APY presentation, risk scores, performance fees, strategy caps, cooldowns, and loyalty-based fee or yield differences. Because the underlying strategy, protocol, liquidity, and risk structure varies, one custody or ownership interpretation should not be applied across every Earn strategy.

Customer result

Customer outcome

Not applicable

Not-applicable applies only because the product is active and no reviewed recovery process exists. Individual strategies can still carry smart-contract, protocol, counterparty, liquidity, slashing, market, operational, or redemption-delay risk.

Estimated recovery: No product-wide customer-loss, claims, or repayment event was identified for SwissBorg Earn in the reviewed sources; Earn strategies remain active.
Repayment started: —
Repayment completed: —
Confidence: High

Asset treatment

Terms risk

Varies by product

Current pricing establishes strategy-specific fees but does not by itself resolve legal asset ownership or insolvency priority. Each strategy's risk report, protocol allocation, cooldown, cap, redemption, and legal terms require separate review.

Affected product: SwissBorg Smart Yield and SwissBorg Earn strategies
Confidence: Medium

SwissBorg Earn provides app-based access to multiple strategy-specific positions, but reviewed public materials do not establish one legal ownership, custody, insolvency, protocol, or liquidity treatment that applies uniformly to Smart Yield and every current Earn strategy.

Source: SwissBorg pricing policy

Known unknowns

Uncertainty

Available strategies, underlying protocols, APYs, risk scores, caps, cooldowns, fees, payout timing, and jurisdictional access can change. This record does not cover all SwissBorg exchange, custody, token, or investment products.

Chronology

Historical record

2020-12-14

yield program startedHigh impact1 sources

SwissBorg launches USDC Smart Yield

SwissBorg released its first USDC Smart Yield wallet to an initial user cohort and began rolling the product out through the app.

Launch date is directly stated in the first-party announcement.

SwissBorg — SwissBorg launches Smart Yield account on USDC

2022-06-22

OtherMedium impact1 sources

SwissBorg reports broad Smart Yield expansion

SwissBorg reported that Smart Yield had expanded from the original USDC wallet to nineteen additional tokens and had been used through hundreds of thousands of wallets.

Historical scale and product-expansion event; figures are first-party operating metrics.

SwissBorg Academy — How borgers yield: eighteen months of Smart Yield

2022-09-08

OtherHigh impact1 sources

SwissBorg introduces Earn as the next stage of Smart Yield

SwissBorg launched SwissBorg Earn, replacing the one-size-fits-all Smart Yield approach with multiple asset- and risk-specific yield strategies.

Product evolution rather than closure or rebrand of the whole SwissBorg platform.

SwissBorg — Announcing the customisable SwissBorg Earn program

2026-08-03

OtherMedium impact4 sources

SwissBorg Earn remains active with strategy-specific risk and fee terms

Current SwissBorg materials described active Earn strategies, subscriptions, redemptions, APY presentation, risk scores, earnings history, and strategy-specific performance and service fees.

Current-state snapshot. Strategy availability, protocol exposure, payout timing, caps, cooldowns, APY, and fees can change.

SwissBorg — SwissBorg Earn: what is it?SwissBorg — SwissBorg Earn: how to get started SwissBorg — View your earnings from SwissBorg Earn SwissBorg — SwissBorg pricing policy

Source record

Evidence dossier

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