Build an institutional Earn program

End-to-end Torq implementation playbooks for wallets, neobanks, exchanges, asset managers, financial service providers, yield aggregators, and crypto lending protocols.

Choose the company you are building for. Every guide starts with a deployable file structure and continues through credentials, complete product data, customer eligibility, transaction signing, canonical completion, events, reconciliation, testing, and production controls.

Start with the complete credit lifecycle. It is the shared product contract from discovery, deposit, tranches, yield, and redemption through impairment monitoring, optional Distressed Recovery Fund participation, claims, and final reconciliation. Every audience guide applies that lifecycle to its own wallet, custody, ledger, tenant, and support boundaries.

Developer Preview. The documentation is public. Applications, credentials, SDK packages, role scopes, Sepolia access, and production admission remain controlled Private Preview access.

Wallet-native Earn

Discovery, wallet consent, canonical completion

01Discover

Load deep vault, market, liquidity, and eligibility state.

02Review

Show the exact product, amount, fees, and prepared intent.

03Sign

The customer wallet simulates and submits the transaction.

04Confirm

Wait for final_success, then reread the position.

01Wallet UI

Catalog, vault detail, position, and redemption views.

02Wallet session

Origin-bound challenge and short-lived customer authority.

03Torq workflow

Prepare, register, and canonical transaction tracking.

04Reconciliation

Signed events plus canonical resource rereads.

Distribute Torq Earn

Use case	Build outcome	Signer boundary
Wallet providers	A self-custody Earn tab from vault discovery and deposit through impairment alerts, optional fund participation, claims, and recovery	User wallet
Neobanks	A regulated Earn account with separate vault/fund ledgers, policy controls, and lifecycle reconciliation	Customer-owned HSM or MPC policy
Exchanges and custodians	A custodial Earn product with subaccount attribution from deposit through optional recovery-fund exposure	Exchange custody boundary

Build and package Earn products

Use case	Build outcome	Signer boundary
Asset managers	Governed vault operation plus accurate impairment, recovery, and fund-opportunity context for distributors	Approved asset-manager signer
Financial service providers	A tenant-isolated white-label Earn platform with a complete recovery center	Each customer's declared signer
Yield aggregators	Comparable Earn routing that keeps affected holdings, optional fund decisions, and claims visible	User wallet

Integrate Torq into an existing protocol

Use case	Build outcome	Signer boundary
Crypto lending protocols	A native Torq vault experience from deposit through stress, optional fund participation, proceeds, and claims	The wallet already connected to the host protocol

One non-negotiable completion rule

All seven architectures follow the same trust boundary:

Torq canonical resources -> proposed action -> prepared transaction -> customer-owned signer
-> registered transaction -> canonical final_success -> affected-resource reread

Never calculate product-visible shared state from RPC, accept caller-constructed contract calls, credit a customer from a transaction receipt alone, or expose a secret key in a browser. Use the API reference, SDK reference, AI integration guides, and the checked-in examples/developer-platform/earn-program-reference implementation together with the selected playbook.