RT.APP Earn Terms
Version: earn-2026-11-14
Last updated: November 14, 2026
These RT.APP Earn Terms (the "Earn Terms") are an agreement between you and RealTimePay, Inc., a Delaware corporation ("RT", "we", "us" or "our"). They are part of the terms you agree to when you open your RT.APP account, and they apply when you use Earn in the RT.APP app or website. They add to the RT.APP Terms of Service and Privacy Policy (together, the "RT Terms"). If these Earn Terms conflict with the RT Terms on anything about Earn, these Earn Terms control.
Please read them carefully. Section 19 contains an agreement to resolve disputes by individual arbitration and a waiver of class actions, which affect your legal rights. You can opt out of arbitration as explained in Section 19.
1. What Earn is
1.1 Earn lets you choose to move USDC from your RT.APP account into a lending vault on the Base blockchain that is run by a third party. The vault provider is Gauntlet. There are two options:
(a) "Earn" (the Standard vault, gtLPRT): earns up to 6.5% a year, and you can take your money out whenever you want, usually right away. This option is available now.
(b) "Earn more" (the Higher yield vault, gtLPRTp): earns up to 8% a year, and taking money out takes about 3 days. This option is coming soon and cannot be chosen yet. We will tell you in the app when it is available.
We may add, change or remove vaults and options.
1.2 When you deposit, your USDC is exchanged for vault shares that are held in the wallet connected to your RT.APP account. The value of those shares can go up or down. Any return comes from the vault's lending and other activity, not from RT.
1.3 Earn is optional. Nothing happens unless you choose an option, enter an amount and confirm it. You can stop using Earn at any time by withdrawing, subject to Section 6.
2. What RT is and is not
2.1 RT is not a bank, broker-dealer, investment adviser, fund manager, or custodian of the vaults. RT does not run, manage, control or guarantee any vault, protocol, smart contract, lending market or borrower.
2.2 RT gives no investment, financial, legal or tax advice. Nothing in the app, on our website, from our support team or in any message from us is a recommendation to use Earn, to choose an option, or to deposit any amount. Rates, descriptions, examples and history we show are for information only.
2.3 You alone decide whether to use Earn, which option to use, how much to deposit and when to withdraw. You direct each deposit and withdrawal. RT acts only on your instructions and provides the technology that sends them.
2.4 The vault provider and the vaults are independent third parties. They are not RT's agents, and RT is not theirs. Their own terms, documents and on-chain rules govern how the vaults work.
3. Not insured, not a deposit
3.1 Money in Earn is not a bank deposit. It is not insured by the FDIC, the NCUSIF, the SIPC, or any other government agency or insurer. It is not guaranteed by RT, by any bank, by the vault provider or by anyone else.
3.2 No FDIC insurance applies to USDC, to vault shares or to any money in Earn, at any time, including before you deposit, while it is in a vault and while a withdrawal is in progress.
3.3 USDC is not legal tender and is not issued or backed by RT.
4. Rates are variable and not guaranteed
4.1 Rates change and are not guaranteed. We never show a rate above 6.5% a year for "Earn" or above 8% a year for "Earn more", but the actual rate can be lower. Any rate we show is an estimate. It changes over time, sometimes quickly, and can fall to zero. It is not a promise, an offer of a fixed return or a forecast.
4.2 A rate shown for a past period, including any 30-day or trailing figure, shows what happened in the past. Past performance does not predict future results.
4.3 A rate may be calculated by the vault provider or another third party, and may be delayed, estimated or wrong. We do not check it independently and we are not responsible for its accuracy.
5. You can lose money
5.1 You could lose some or all of the USDC you put into Earn, including your principal. You should only deposit an amount you can afford to lose and can do without for a period of time.
5.2 Losses can happen for many reasons, including the risks described in Sections 7 and 8, and including events no one can predict or control.
5.3 RT will not make up, refund or cover any loss, shortfall, lower-than-expected return or delay, except where the law requires it or where the loss was caused by RT's fraud, gross negligence or willful misconduct.
6. Withdrawals can take time
6.1 A withdrawal is a request to the vault. For "Earn" (the Standard vault), you usually get your money right away. For "Earn more" (the Higher yield vault, coming soon), it takes about 3 days. These times are estimates, not promises.
6.2 In stressed or unusual markets, or if the vault provider, a protocol or the network limits, queues, slows or pauses withdrawals, a withdrawal can take much longer than 3 days. Requests can be placed in a queue and filled in parts, in the vault's order, or not at all for a time.
6.3 A deposit or withdrawal request that the vault does not fill before its deadline may expire. When that happens, the vault's rules decide what is returned. Usually, the USDC or vault shares in an unfilled request are returned to the wallet connected to your account, but the return itself can be delayed. We will show the status in the app and you may need to send a new request.
6.4 While a withdrawal is in progress the money is not available to spend. The amount you receive may differ from the amount shown when you made the request, because the value of vault shares can change before the request is filled.
6.5 We will never stop you from requesting a withdrawal of your own Earn position because you have not agreed to a newer version of these Earn Terms. A withdrawal may still be delayed or limited by the vault, the network, a court order or the law, or under Section 10.
7. Third-party vault, protocol and smart-contract risk
7.1 The vaults are software (smart contracts) on a public blockchain. They and the protocols and markets they use may contain bugs, design flaws or weaknesses, may be attacked, exploited or hacked, and may stop working.
7.2 The vault provider decides how a vault's money is lent or allocated, and can change its strategy, its risk settings, its fees, its curators or the markets it uses, without notice to you or RT. Borrowers may default. Collateral may lose value or fail to be sold in time. Oracles or price feeds may be wrong. Governance votes, administrator keys or upgrades may change how a vault works.
7.3 Any of these may cause losses, delays, frozen funds or a total loss. RT does not audit and does not guarantee any vault, protocol or smart contract, and an audit by anyone else does not mean the code is safe.
8. Stablecoin, network and blockchain risk
8.1 USDC is a stablecoin issued by a third party. It may lose its 1:1 link to the U.S. dollar ("depeg"), even for a long time, and its issuer may freeze, block or redeem it under its own terms or the law.
8.2 The Base network and any other blockchain we use may become congested, slow, expensive, forked, reorganized, attacked or unavailable. Transactions may fail, be delayed, or need to be sent again. Network fees may apply.
8.3 Changes in law or regulation may affect USDC, the vaults, the network or our ability to offer Earn.
8.4 Blockchain transactions generally cannot be reversed once confirmed.
9. Fees
9.1 RT does not charge a fee on Earn today. If that changes, we'll tell you before it applies. The vault provider and the vaults may charge their own fees, which are taken inside the vault and are reflected in the rate and the value of vault shares. Network fees may also apply.
9.2 We may introduce or change an RT fee for Earn in the future. If we do, we will tell you the fee and how it works in the app or by email at least 30 days before it applies to your Earn position, unless the law requires a different period. A new or higher RT fee will not apply to money you deposited before the change takes effect unless you agree to it, for example by making a new deposit or by not withdrawing after notice where the law allows. We will always show any RT fee clearly and will show earnings before and after it.
10. Our right to suspend, pause or unwind
10.1 We may, at any time and without liability to you, refuse a deposit; pause or stop new deposits for some or all customers; remove an option or vault; or suspend your access to Earn, if we reasonably believe it is needed:
(a) to protect you, other customers or RT from loss, fraud, a security risk or a problem with a vault, protocol, network or stablecoin;
(b) to follow the law, a regulator, a court order, a sanctions rule, or a requirement of one of our partners; or
(c) because you have broken these Earn Terms or the RT Terms, or no longer meet Section 12.
10.2 For the same reasons, and where we reasonably believe it is in your interest or required by law, we may request a withdrawal of your Earn position on your behalf and return the USDC we receive to your RT.APP account ("unwind"). An unwind is subject to Section 6 and may result in a loss compared with staying in the vault. We will tell you as soon as we reasonably can, unless the law or a security reason prevents us.
10.3 We are not obliged to monitor any vault or to act for you, and our decision not to suspend or unwind is not advice that a vault is safe.
11. Taxes
11.1 You are responsible for working out, reporting and paying any taxes that apply to your use of Earn, including on any return, gain or loss. RT does not give tax advice.
11.2 We may send you and tax authorities any tax forms or information the law requires, and may withhold tax where the law requires.
12. Who can use Earn
12.1 To use Earn you must: (a) be at least 18 and able to enter a binding contract; (b) have an open RT.APP account in good standing that has passed our identity checks (and, for a business, our business checks); (c) live in, or for a business be organized in, the United States, in a state where we offer Earn; (d) not be on, or owned or controlled by anyone on, any sanctions list, and not be located in or ordinarily resident in a sanctioned country or region; and (e) use Earn only for yourself (or your business) and not for anyone else.
12.2 If you stop meeting these conditions you must stop making deposits. You may still withdraw, subject to Sections 6 and 10 and the law.
13. Your promises
You promise that: (a) the information you give us is true and up to date; (b) the USDC you deposit is yours and comes from a lawful source; (c) you have read and understood these Earn Terms and the risks in them; (d) you are not relying on RT for advice; and (e) you can bear the loss of the amount you deposit.
14. Assumption of risk
You understand the risks described in these Earn Terms, including the risk of losing all of your deposit, and you accept them. You choose to use Earn at your own risk. To the extent the law allows, you release RT from any claim for a loss that comes from those risks, other than a loss caused by RT's fraud, gross negligence or willful misconduct.
15. No warranties
To the fullest extent permitted by law, Earn, the app, every rate and every piece of information we show are provided "as is" and "as available". RT disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy and uninterrupted or error-free operation. RT makes no promise about any vault, protocol, network, stablecoin, rate or withdrawal time.
16. Limitation of liability
16.1 To the fullest extent permitted by law, RT and its officers, directors, employees, agents and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, return, yield, revenue, data or goodwill, arising from or relating to Earn, even if told such damages were possible.
16.2 To the fullest extent permitted by law, RT will not be liable for any loss caused by a vault, the vault provider, a protocol, a smart contract, a borrower, an oracle, a stablecoin or its issuer, a blockchain or network, a third-party service, a hack or exploit, a market event, a change in law, or any other event outside RT's reasonable control.
16.3 To the fullest extent permitted by law, RT's total liability to you for all claims arising from or relating to Earn is limited to the greater of (a) the RT fees for Earn you paid in the 12 months before the event giving rise to the claim, and (b) one hundred U.S. dollars (US$100).
16.4 Nothing in these Earn Terms limits liability that cannot be limited under applicable law, including liability for RT's fraud, gross negligence or willful misconduct, or any right you have that the law does not allow to be waived.
17. Indemnity
To the extent permitted by law, you will defend, indemnify and hold harmless RT and its officers, directors, employees, agents and affiliates from any claim, loss, liability, cost or expense (including reasonable legal fees) brought by a third party or a government authority that arises from (a) your breach of these Earn Terms, (b) your violation of any law or the rights of anyone else, or (c) any false information you gave us. This does not apply to the extent the loss was caused by RT's fraud, gross negligence or willful misconduct.
18. Governing law
These Earn Terms, and any dispute about them or about Earn, are governed by the Federal Arbitration Act and, apart from that, by the laws of the State of Delaware, without regard to its conflict-of-law rules, except where the law of the state you live in must apply.
19. Disputes: individual arbitration and class-action waiver
19.1 Talk to us first. Before starting any claim, you and RT agree to try to resolve the dispute informally for at least 30 days after one sends the other a written notice describing it (to RT at legal@rt.app).
19.2 Arbitration. If the dispute is not resolved, you and RT agree that any dispute, claim or controversy arising from or relating to Earn or these Earn Terms (including whether this Section applies) will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or, for a business, its Commercial Arbitration Rules). The arbitration will be held by video or phone, or in the county where you live if a hearing in person is needed. For a consumer, RT will pay the AAA filing, administrative and arbitrator fees above the amount you would pay to file in court. The arbitrator may award the same individual relief a court could, but only for you individually.
19.3 Exceptions. Either of us may bring an individual claim in small claims court if it qualifies, and either of us may ask a court for an injunction to stop misuse of intellectual property or unauthorized access to systems.
19.4 Class-action waiver. You and RT may bring claims against each other only individually, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not combine more than one person's claims. If this waiver is found unenforceable for a claim, that claim (and only that claim) must be decided in court, not in arbitration.
19.5 Jury waiver. To the extent the law allows, if a claim goes to court, you and RT waive any right to a jury trial.
19.6 Opt out. You can opt out of this Section 19 by emailing legal@rt.app within 30 days after you first agree to these Earn Terms, with your name, the email on your RT.APP account and a clear statement that you opt out of arbitration. Opting out does not affect anything else in these Earn Terms.
19.7 Courts. Any claim not subject to arbitration will be brought only in the state or federal courts located in Delaware, unless the law requires a court where you live.
19.8 Nothing in this Section removes a right that the law of the state where you live does not allow to be waived.
20. Changes to these Earn Terms
20.1 We may change these Earn Terms. When we do, we will publish the new version with a new version number and date at rt.app/legal/earn-terms and tell you in the app or by email.
20.2 You must read and agree to the new version before your next deposit. Until you do, you cannot make new deposits, but you can still request withdrawals. A change does not reduce your rights over a deposit you made before it, except where the law allows or you agree.
21. Electronic signature and records (E-SIGN consent)
21.1 You agree to accept these Earn Terms electronically, and you agree that your electronic signature, made by ticking the box to agree when you open your RT.APP account, has the same effect as a handwritten signature under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and any applicable state law.
21.2 You agree to receive these Earn Terms, any changes, notices, statements, tax forms and other records about Earn electronically, in the app, on our website or by email. To view and keep them you need a device with a current web browser, an internet connection, a working email address and the ability to open and save PDF files.
21.3 You may withdraw this consent to electronic records at any time by emailing support@rt.app. If you do, you will not be able to make new Earn deposits, but you can still withdraw. You may ask for a paper copy of any record at no charge by emailing support@rt.app. Please keep your email address up to date.
22. Record of acceptance
22.1 When you agree, we record your account, the version of these Earn Terms, the date and time, your device and browser details and your IP address. We keep that record for as long as the law requires and as evidence of your agreement.
22.2 You can ask us for a copy of what you agreed to at any time by emailing support@rt.app. You should also save or print a copy for your records.
23. General
23.1 If any part of these Earn Terms is found unenforceable, the rest stays in effect, and that part will be enforced as fully as the law allows. Our failure to enforce a right is not a waiver of it. You may not transfer these Earn Terms; we may transfer them to an affiliate or a successor. Sections 3, 5, 6.3, 11, 14 to 19, 22 and 23 survive the end of these Earn Terms or of your use of Earn.
23.2 Questions about these Earn Terms: legal@rt.app. Support: support@rt.app or +1 844-604-1604.
By ticking the box to agree to these Earn Terms when you open your RT.APP account, you confirm that you have read, understood and agree to these RT.APP Earn Terms, including the risk of losing money, the individual arbitration agreement and the class-action waiver in Section 19.