Intent Based Earn
ROZO Intent Based Earn. Earn yield across chains without understanding the underlying chains or wallets. One-click access to Stellar DeFi yields.
No need to understand the underlying blockchains or manage multiple wallets.
FAQ
1. Is this high yield (16%+) on some shitcoin?
No. The yield is on USDC — the regulated stablecoin issued by Circle with over $75B in circulation (Jan 2026).
USDC is 1:1 backed by US dollars and US treasuries
Issued by Circle, a regulated financial institution
Native USDC on Stellar, not bridged or wrapped (Contract Addresses)
You're earning yield on one of the most trusted stablecoins in crypto, not a speculative token.
2. What is Stellar blockchain?
Stellar is a Layer 1 blockchain focused on payments. Stellar has been operating since 2014.
Comparable in scale and adoption to networks such as Avalanche, Sui, TON, Arbitrum, and Polygon
Designed for fast, low-cost payments
Native USDC is issued directly by Circle on Stellar
3. Why can I get 16% APY? Is this real?
Yes, it's real. This is not "TVL subsidy farming". It's a structural supply and demand result:
Large XLM holder base on Stellar network
Relative scarcity of native USDC on Stellar
Strong borrowing demand for USDC (for payments, liquidity needs)
This naturally pushes USDC lending rates higher than on chains where stablecoins are abundant.
4. Where does the high yield (12%+) come from?
ROZO Earn itself does not generate yield.
Current Earn yield source:
Blend Protocol — the #1 DeFi protocol on Stellar (Soroban)
Stablecoin lending market
Current APY: ~12-17%
7-day / 30-day historical yields in similar range
Yields generated from real borrowing demand
TVL: ~$78M (DefiLlama)
Audited by Certora and Code4rena
Active bug bounty program (up to 2M BLND)
Rozo does not modify or interfere with Blend's core logic.
5. Why does Blend show 15%, but ROZO says 17%?
Blend rewards lenders with BLND tokens in addition to the base interest rate.
We use DeFindex for auto-compounding — it automatically sells BLND tokens and reinvests into USDC, boosting your effective APY.
DeFindex provides:
Auto-compounding (sells BLND → USDC)
Automatic settlement
Reduced manual operations
DeFindex uses Blend as its underlying yield source and has completed security audits.
Audited by OtterSec
6. Are there risks?
Yes. Using any financial application involves risk. Rozo does not promise fixed returns and does not hide risks.
Smart Contract Risk
Blend and DeFindex function using smart contracts. If a bug is discovered and exploited, it could result in a loss of user funds. To mitigate this:
Blend Protocol audited by Certora and Code4rena
DeFindex audited by OtterSec
Oracle Risk
Blend's lending pools rely on oracles to price assets accurately. If a pool's oracle stopped functioning, users could suffer a loss of funds.
Asset Risk
Lenders using Blend are exposed to asset risk. High volatility in assets could cause the pool to take on bad debt. Lenders could suffer asset loss if bad debt exceeds the value of assets backstopping the pool.
Stellar Protocol Risk
As with all decentralized ledgers, Stellar has its unique set of risks. Learn more about the Stellar Consensus Protocol.
Cross-Chain / Bridge Risk
We use battle-tested cross-chain infrastructure:
CCTP (Circle Cross-Chain Transfer Protocol) — operated by Circle, uses native mint/burn (no wrapped tokens)
NEAR Intents — processed $8B+ in cross-chain volume (as of Jan 2025)
Across — intent-based bridge with optimistic verification
While these are established protocols, cross-chain operations still carry inherent risks including network delays and potential smart contract vulnerabilities.
Interest Rate Fluctuation
APY is variable and depends on market supply and demand. Rates can go up or down.
7. Can I use other wallets?
Yes. Besides ROZO Earn, you can use any Stellar wallet to interact with the underlying protocols directly:
Without Rozo, you would need to:
Download a new Stellar wallet app
Write down your seed phrase / backup keys
Get XLM for Stellar network fees
Add USDC trustline to your Stellar wallet
Bridge USDC from Base/Solana to Stellar
Connect wallet to Blend/DeFindex
Deposit and start earning
With Rozo: Start earning in 30 seconds. We handle all of the above automatically.
8. How do I backup my Rozo wallet?
Rozo wallet uses Passkeys for authentication. Your passkey is automatically synced and backed up by your device/platform:
Apple devices: Synced via iCloud Keychain
Android devices: Synced via Google Password Manager
Desktop browsers: Synced via your browser's password manager (Chrome, Safari, etc.)
As long as your passkey is saved to your device's password manager, you can recover access on any device signed into the same account.
9. What does Rozo wallet actually do for me?
Rozo wallet abstracts complex operations without changing asset ownership:
Learn about Stellar
One-click deposit
Create Stellar wallet
Automatic cross-chain
Handle Stellar asset model (Trustlines, Asset Issuers)
Automatic protocol interaction
Manual cross-chain bridging
Automatic yield earning
Manual deposit to Blend Protocol
Handle Blend tokens, compounding, selling
10. Where is my money saved? Is it on your centralized server?
No. Your funds are self-custodial — stored in a smart contract wallet on Stellar, not on any Rozo server.
We use smart contract wallets powered by OpenZeppelin Stellar Contracts:
Your wallet is a smart contract on Stellar blockchain
Only you can authorize transactions via your Passkey
Rozo cannot access, move, or freeze your funds
All transactions are verifiable on-chain
This is the same security model used by leading smart wallets in the industry.
11. Is this non-custodial?
Yes.
Users always use their own authorized signatures
Rozo cannot unilaterally initiate transfers
Rozo does not hold private keys or control funds
Rozo's role is an operation coordinator, not a fund controller.
12. My USDC is on Base/Solana — how can I earn Stellar yields?
This is the core abstraction layer Rozo provides. You don't need to manually bridge anything.
How it works:
You deposit USDC from Base, Solana, or any supported chain
Rozo automatically bridges your USDC to Stellar using CCTP (Circle Cross-Chain Transfer Protocol)
Your USDC is deposited into Blend Protocol via DeFindex
You start earning yield immediately
How does the bridging work?
We use CCTP — Circle's official cross-chain protocol for USDC:
USDC is burned on the source chain (e.g., Base)
USDC is minted on the destination chain (Stellar)
This is native USDC on both sides — no wrapped tokens, no bridge risk from third-party liquidity pools
Circle guarantees 1:1 redemption
When you withdraw:
The reverse happens — USDC is burned on Stellar and minted on your destination chain.
Supported infrastructure:
CCTP (Circle Cross-Chain Transfer Protocol) — primary bridge for USDC
Across — additional cross-chain support
NEAR Intents — intent-based routing
All bridging is handled automatically. You just deposit and withdraw.
13. What are the deposit limits and confirmation time?
During Beta:
Fast earn suggested minimum
0.5 USDC
Fast earn suggested maximum
3,000 USDC
Confirmation time:
Most deposits confirm within ~30 seconds
Larger amounts ($5000+) still work, and may take a few more minutes
We're continuously improving speed and capacity (faster processing coming mid-Jan 2025)
14. What is ROZO?
ROZO promotes economic freedom.
We build infrastructure that lets anyone earn yield and make payments — without needing to understand complex blockchain systems.
Long-term focus:
PayFi (Pay to Earn) — Assets used for payments can continuously generate yield
Supported by:
Try ROZO:
ROZO Earn — Earn yield on USDC
ROZO Bridge — Intent based bridge
Start now
https://earn.rozo.ai
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