Yield
Activate a yield account, deposit and withdraw against it, and read the rate honestly.
Yield lets the organization earn on an idle dollar balance, with no lock-up on withdrawals. The dashboard shows the yield account's current rate, its balance over time, and its transaction history.
Find or activate yield
Yield does not appear under Manage in the sidebar until the organization has a yield account. Before that, the entry point is a yield banner on Balances, which appears when the organization has a USD account and the viewer holds the yield.read permission.
Select Get started on that banner and confirm activation. On success Seev takes you straight to the deposit screen. If activation fails you get "Could not activate your yield, please contact support"; nothing is created, so contact support rather than retrying repeatedly.
If you can see neither the sidebar item nor the banner, work through these in order:
- Confirm the correct organization is active. Yield accounts do not carry across organizations.
- Confirm the organization has a USD account. See Virtual Accounts.
- Confirm your role grants
yield.read. Owners and admins hold it; a member needs a custom role that includes it. See Team Access.
The deposit and withdrawal actions need yield.deposit and yield.withdraw respectively, so a teammate can hold read access to the page without being able to move money on it.
Deposit into yield
Open Yield and select Deposit. Choose the source balance, enter the amount, review it, then confirm with the organization's transaction PIN.
The minimum deposit depends on the currency you deposit in.
| Currency | Minimum deposit |
|---|---|
| GHS | 150.00 |
| USD | 2.00 |
Below the minimum, the form shows "Amount must be at least 150.00" or "Amount must be at least 2.00" and does not submit. A non-numeric entry shows "Amount must be a number", and an empty one shows "Amount is required". These amounts are major units, matching the balances shown elsewhere in the dashboard.
Withdraw from yield
Select Withdraw, enter an amount, review, then confirm with the transaction PIN. The same currency minimums apply.
Asking for more than the yield balance holds shows "Insufficient balance" and submits nothing. Check the yield balance rather than the source wallet balance, since these are different figures.
Pending deposits and withdrawals stay visible in the yield transaction list. Do not create a second movement while an earlier one is pending; a duplicate deposit is real money moved twice.
Read the rate honestly
The rate is displayed as an APY, which is an annualized figure rather than what you will earn immediately and rather than a promise about the future.
The displayed APY can change. What the organization actually earns depends on the balance held, how long it is held, the rate over that period, and the product terms in force. Do not read the current rate as a guaranteed return, and do not quote it to anyone as one.
Interest is paid out in USDC. The transaction list on the Yield page carries deposits, interest payments, and withdrawals; an account that has not moved yet reads "No yield activity yet" rather than showing zeroes.
If a yield action is blocked
Read the message on the form first, since it names the cause. The usual ones are an amount below the minimum, an amount above the available yield balance, a missing or wrong transaction PIN, or a source balance that has a pending movement not yet spendable.
Switching organizations switches the yield account along with everything else, so an action that worked a moment ago and now fails is worth checking against the organization selector before anything else.