Subscriptions ThatPay You Back
Pay2Earn lets you pay yearly subscriptions in PayPal's PyUSD, earn at least 4% APY from PyUSD rewards, and capture extra yield as we deploy funds into Morpho vaults. Finish the year, withdraw your principal plus interest; cancel early and the yield automatically rewards the provider.
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How It Works
Three simple steps to transform subscription spend into on-chain rewards
Subscribe with PyUSD
Pick a provider, confirm a yearly plan, and deposit once in PayPal’s PyUSD stablecoin. Funds settle on Arbitrum in seconds.
Yield Grows in Morpho
Your subscription is staked into Morpho vaults, stacking PyUSD’s native 4% APY with boosted DeFi lending rewards—all transparent on-chain.
Loyalty Releases Rewards
Complete the 12-month period and reclaim your principal plus accumulated interest. Cancel early and your principal returns instantly, while the yield flows to the provider as a loyalty bonus.
💡 Example: Sandbox Demo Subscription
Why Pay2Earn?
A DeFi-native subscription model designed for users, providers, and builders
PyUSD Holding Rewards
Earn at least 4% APY automatically from PayPal USD while your subscription runs. Stable collateral, no volatility.
Morpho Vault Optimization
Funds route through Morpho vaults to amplify returns via decentralized lending markets without sacrificing self-custody.
Loyalty Incentives
Complete a plan to claim the accrued interest, or cancel early and let your provider keep the yield as a churn deterrent.
Provider Growth Suite
Onboard with a business profile, set pricing, and track earnings from a dedicated dashboard built for subscription teams.
Curated Marketplace
Browse multi-provider offers—from streaming to SaaS—inside a single marketplace with WalletConnect and RainbowKit flows.
Guided Sandbox Demo
Test the experience risk-free on Arbitrum Sepolia with auto-provisioned wallets, preloaded providers, and time-warp controls.
Built for Service Providers
Reduce churn, increase revenue, and tap into DeFi-native subscribers
Lower Churn Rates
Users forfeit interest if they cancel early—financial incentive keeps them subscribed longer
Predictable Revenue
Receive full annual payments upfront, plus forfeit interest from early cancellations
Global Access
Accept PyUSD from anyone, anywhere—no banks, no borders, just blockchain