Savings Hub
Overview
Savings Hub is where you can deposit your assets to earn daily yield and unlock Credit Power for your XPlace Card. When you deposit funds into the Savings Hub, your assets start generating yield automatically through smart contracts and integrated lending protocols.
How It Works
When you deposit crypto, it begins earning daily yield (calculated automatically).
Your deposit also acts as collateral, providing you with Credit Power — the amount you can borrow or use via your XPlace Card.
Depending on the token type and its market capitalization, you can receive 30%–70% Credit Power of your deposited amount.
For example: If you deposit $1,000 in SOL, you may unlock $700 in Credit Power. If you deposit a meme token, your Credit Power ratio might be lower (e.g., 30%).
Supported Assets
You can deposit:
Layer-1 tokens: SOL, ETH (wETH), BTC (wBTC, cbBTC, zBTC, LBTC)
Stablecoins: USDC, USDT, USDY, USDS, PYUSD, sUSDe, USD-e, syrupUSDC, AUSD
Liquid staking tokens: mSOL, jitoSOL, bSOL, dSOL, BNSOL, JLP
Utility tokens: PYTH, JUP, TNSR, DRIFT, INF, JTO, ME, RENDER, CLOUD
Meme & community tokens: BONK, WIF, POPCAT, MOTHER, PENGU, TRUMP, MELANIA, AI16Z, FARTCOIN, PUMP, ZEUS, 2Z, MET, dfdvSOL
Security
XPlace never has access to your funds. All deposits are managed entirely by smart contracts and underlying lending protocols on the Solana blockchain. You remain in full control of your assets at all times.
Summary
Deposit crypto
Earn daily yield
Use as collateral
Get Credit Power (30%–70% of deposit)
Withdraw anytime
Funds released from smart contract
Security
100% on-chain, XPlace has no direct access
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