With Tangem Wallet, users can now earn Aave returns on USDT, USDC and DAI in the app, with hardware security, easy setup and no external dApps required.
Summary
- Tangem Wallet now offers Aave-backed yield through Yield Mode.
- Users can earn on USDT, USDC and DAI without leaving the app.
- Hardware security and full liquidity keep assets under user control.
Tangem has introduced Aave-powered returns to its wallet, creating a direct bridge between self-management and decentralized finance.
The update was confirmed in a December 11 note from Aave (AAVE), describing the integration as a way for users to earn returns on stablecoins without leaving the Tangem app or giving up control of their keys.
Yield Mode brings DeFi to Tangem Wallet
The new feature, called Yield Mode, resides in Tangem’s interface as a simple toggle. Once enabled, the wallet’s controlled smart contract delivers the selected stablecoin to Aave’s liquidity pools and begins accruing interest through aTokens.
The entire process works in real time and is not dependent on external websites, WalletConnect links or a dApp browser. It’s more like a mobile banking workflow, but the user keeps the private key stored on the Tangem card.
Aave plays a key role in the integration. The protocol has over $60 billion in net deposits and approximately $30 billion in active loans, giving it great liquidity for tokens like USDC, USDT, and DAI.
These assets often earn variable interest rates in the mid-single to low double digits, depending on supply and demand in the pool. Tangem users can now access the same yield curve in the wallet while maintaining full liquidity as funds can be withdrawn at any time without lockups or forbearance delays.
The design is strongly focused on safety and direct control. The smart contract is only activated once the user approves it, and it can manage the chosen token solely for the purpose of supplying and withdrawing Aave.
The wallet does not log data off-chain and keeps every operation tied to hardware-based key protection. This removes the complexity that often comes with participating in DeFi and gives less technical users a way to earn returns in a controlled environment.
Expansion of stablecoins and consumer apps
The timing of the rollout fits in with a period in which stablecoins are increasingly integrated into consumer apps and payment instruments. Tangem has been expanding its feature set throughout the year, including staking support for major networks, cross-chain swaps, and an upcoming virtual payments product scheduled for mid-December.
The addition of stablecoin yield gives the wallet a broader role as users explore ways to keep assets productive while remaining self-managed. Tangem says the integration is just the first step, with more supported assets and networks planned as the wallet evolves towards a broader ‘neobank-like’ experience.
