SGD / lending deposit

StraitsX Earn, XSGD balance

XSGD (underlying token) · issued by Xfers Invest Pte. Ltd. (XIPL), StraitsX affiliate. verified

1.00%

published yield

n/d

size

cannot be held

can you hold it

The terms

Issuer: Xfers Invest Pte. Ltd. (XIPL), StraitsX affiliate
Jurisdiction: Singapore
Chains: Ethereum, Polygon, Solana, Avalanche, Arbitrum, Base, XRP Ledger, Hedera, Zilliqa
Contracts: Ethereum 0x70e8de73ce538da2beed35d14187f6959a8eca96 explorer
Polygon 0xDC3326e71D45186F113a2F448984CA0e8D201995 explorer
Solana 71S9cppWipeUEQDFngYwxjoxB6Sz1MUqX72byLsVYJqy explorer
Base 0x0A4C9cb2778aB3302996A34BeFCF9a8Bc288C33b explorer
Arbitrum 0xE333e7754a2DC1E020a162Ecab019254b9DaB653 explorer
Avalanche 0xb2F85b7AB3c2b6f62DF06dE6aE7D09c010a5096E explorer
Yield basis: APY on the entire XSGD Earn balance, compounded and paid daily at 00:00 GMT+8; rates subject to change source
Size: Not disclosed on any source we could read.
Minimum: No minimum stated in the Earn terms
Who may hold it: Accredited Investors, merchants or corporate users with a verified StraitsX Digital Assets Account, in supported countries only (countries not enumerated) source
Redemption: Withdrawal request processed within up to 7 business days; rewards stop accruing from the moment the request is submitted; XIPL may impose daily/weekly/monthly withdrawal caps at its discretion source
Cost to enter: No stated fee
Transferability: Not transferable. The yielding balance cannot be sent to an external wallet, so it is a custodial position rather than an instrument you hold.
Secondary liquidity: The Earn position itself has no on-chain representation. The underlying XSGD token trades on Stabull and elsewhere; I did not obtain a verified XSGD liquidity figure.

What we think you should know

HONEST CAVEAT: this is the only SGD 'savings' yield I could find, and it is arguably NOT an on-chain instrument. The Earn balance is a custodial claim, users lend XSGD to Xfers Invest, which deploys it across yield-generating DeFi protocols and shares the return. The terms state plainly: 'This is not a deposit or savings account, and is not covered by the Deposit Insurance Scheme,' and XIPL 'does not act as a custodian, agent, or in any fiduciary capacity.' The 1.0% XSGD rate is well below the 3% offered on XUSD and 2% on USDC on the same platform. XSGD itself pays no yield. StraitsX has announced XSGD and XUSD launching on Solana in 2026.

Sources

Other SGD instruments

Instrument	Ccy	Type	Yield	Size	Access	Confidence
OCBC Bespoke Tokenised Bonds	SGD	tokenized government debt	not published	n/d	private ledger	verified
Tokenized Phillip Money Market Fund Class I SGD	SGD	tokenized money market fund	not published	n/d	not established	inferred