> For the complete documentation index, see [llms.txt](https://docs.tesseract.fi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.tesseract.fi/earn-direct-and-earn-api/earn-api.md).

# Earn API

Earn API lets partners embed Tesseract yield directly into their own product. Your backend books deposits and withdrawals against Tesseract's accounting system, settles outstanding balances once per day per currency, and pulls daily reports to sync interest to user accounts.

This section covers the integration as a partner engineer would approach it:

* [**Overview**](/earn-direct-and-earn-api/earn-api/overview.md) — the two deliverables of a successful integration (deposit/withdrawal integration + daily settlement).
* [**Calculating Interest**](/earn-direct-and-earn-api/earn-api/calculating-interest.md) — how interest accrues, when it's distributed, the compounding formula, and worked examples.
* [**Settlements**](/earn-direct-and-earn-api/earn-api/settlements.md) — how netted per-currency daily settlements work and how to read the outstanding balance.
* [**Solution Architecture**](/earn-direct-and-earn-api/earn-api/solution-architecture.md) — the eight integration tasks and dependencies.
* [**Data Model Mapping**](/earn-direct-and-earn-api/earn-api/data-model-mapping.md) — how to map your users / accounts to Tesseract's data model when you receive two credential sets, one per product line.
* [**Process and Environments**](/earn-direct-and-earn-api/earn-api/process-and-environments.md) — Development / Test / Production environments and the end-to-end integration process.
* [**Acceptance Testing**](/earn-direct-and-earn-api/earn-api/acceptance-testing.md) — test cases run in Production before go-live.
* [**Working with Reports**](/earn-direct-and-earn-api/working-with-reports.md) — daily reports published by the accounting cycle and their schema.

Interactive API reference: [earn-api.partner.env.tesseractinvestment.dev/docs](https://earn-api.partner.env.tesseractinvestment.dev/docs/)

**Estimated integration time:** 14–21 days.


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