Earn 4.01% p.a. on your capital

Finder Earn lets you earn a competitive 4.01% p.a. return on your capital. Even more, there's no lock-up period, no fees and we pay out each day, creating a compounding effect over time. Pop in your phone number below to get your download link.

Multiple accounts in the Finder app

Watch your capital grow daily.

You'll earn 4.01% p.a. return on your capital, paid out once per day and compounded automatically.
Multiple accounts in the Finder app

No fees or foreign exchange risk.

There's no fees when using Finder Earn, whether you're adding funds, converting, allocating or withdrawing capital. Convert your dollars or TAUD at an exchange rate of $1 AUD = 1 TAUD.
Multiple accounts in the Finder app

Earn with as little as $25.

You can get started with Finder Earn with as little as $25, or up to a current maximum balance of 50,000 TAUD (equivalent to $50,000 AUD).
Multiple accounts in the Finder app

Withdraw when you want.

Finder Earn lets you deposit, allocate and withdraw your capital and earnings at any time.
Multiple accounts in the Finder app

Start Earning in under 5 minutes.

Set up and allocate capital in Earn wallet with a couple of taps of your smartphone.
Get started with Finder Earn
  1. Download the Finder app.
  2. Create your account.
  3. Head to the "Wallet" tab and tap "Set up your wallet".

Learn more about using Finder Earn here.

How does Finder Earn work?

When you use Finder Earn, you convert your Australian dollars into TAUD stablecoins and these TAUD stablecoins are then lent to us. In exchange for lending us your capital (that is, your TAUD stablecoins), we will pay you a fee of 4.01% p.a.

Finder Earn is not a banking product or a savings account, and we are not investing on your behalf or managing your capital. It is offered exclusively through the Finder app and powered by Finder Wallet Pty Ltd. There are no fees for using Finder Earn, and you are free to withdraw your capital at any time.

It's important to understand that Finder Earn does not come without risk. When you lend us your capital, you transfer ownership of the TAUD stablecoins to us. If we become insolvent or subject to hacking or some other cybersecurity event, then you may incur partial or total loss of the capital. If we become insolvent, you will be an unsecured creditor in relation to your capital and any accrued returns.

Finder Earn also takes advantage of a unique category of cryptocurrencies called "stablecoins". Unlike other cryptocurrencies you might have heard of such as Bitcoin, stablecoins are rarely volatile, meaning they don't often fluctuate in price. This is because they are typically "pegged", "backed" or "collateralised" against the corresponding currency or asset they aim to reflect, digitised in the blockchain ecosystem. However, stablecoins are not official currencies, nor are they endorsed or insured under any government guarantee program.

The minimum deposit is $25 and the maximum balance you can hold is currently set to 50,000 TAUD. Once your Finder Earn balance reaches 50,000 TAUD, you will no longer be able to convert and transfer additional capital, but this does not limit the daily TAUD earnings that will be paid into your Finder Earn balance, and your earnings will continue to accrue and compound each day.

What are the risks?

1. Counterparty

When you allocate an amount of Cryptocurrency to Finder Wallet for the Cryptocurrency Earn Option, ownership of the Cryptocurrency will pass from you to Finder Wallet. Finder Wallet, or a third party, will hold and secure the Cryptocurrency.

If Finder Wallet, or the third party becomes insolvent, or is subject to hacking or some other cyber security event, your Cryptocurrency may be jeopardised and you may incur partial or total loss of your cryptocurrency.

2. Credit risk

You do not maintain a legal interest in the Allocation or Cryptocurrency, as defined in our Terms of Service, and we do not hold Fiat currency in a trust account. Accordingly, if Finder becomes insolvent, you will be an unsecured creditor in relation to your Allocation, Cryptocurrency or Fiat currency held with us. Your capital is also not protected under the Financial Claims Scheme (FCS).

3. Volatility

Trading and holding Cryptocurrency has a high level of risk. Cryptocurrency is a volatile asset, and you can incur losses. Though generally less volatile, stablecoin categories of cryptocurrency carry risk and may lose some or total market value. You should only trade Cryptocurrency if you fully understand and agree to the risks.

4. Complex tax advice risk

Buying, selling Cryptocurrencies for profit, and receiving a Return raises novel taxation issues. You will need to be prepared to talk to a tax adviser if you use our services. We suggest you seek independent taxation advice prior to purchasing Cryptocurrency or earning a Return.

5. Independent Financial Advice

We suggest you seek independent financial advice prior to purchasing Cryptocurrency or earning a Return.

6. Not Exhaustive

This is not an exhaustive list.

Frequently asked questions

If you want to know more about Finder Earn, you can check out our full FAQs here.


We have an exciting new product called Finder Earn. Please note that Finder Earn is not a banking product and involves lending cryptocurrency to Finder Wallet. Finder Wallet is not a bank. Terms and conditions apply. Crypto trading and Finder Earn products are made available in the Finder App, powered by Finder Wallet Pty Ltd, an AUSTRAC registered Digital Currency Exchange (DCE). Trading and holding cryptocurrency has a high level of risk. Cryptocurrency is a volatile asset class. You can incur losses. You should only trade cryptocurrency or related products if you fully understand, and agree to, the risks. We suggest you seek independent financial advice prior to accessing our services.

Disclaimer - Hive Empire Pty Ltd (trading as finder.com.au, ABN: 18 118 785 121) provides factual information, general advice and services on financial products as a Corporate Authorised Representative (432664) of Advice Evolution Pty Ltd AFSL 342880. Please refer to our FSG - Financial Products. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Insurance Group Pty Limited. ABN 49 625 733 539 AFSL 511363 for the provision of general insurance products. Please refer to our FSG - General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Although we cover a wide range of products, providers and services we don't cover every product, provider or service available in the market so there may be other options available to you. We also don't recommend specific products, services or providers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) or the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. (c) 2021.
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