> 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-direct/for-institutional-clients.md). # For Institutional Clients Earn Direct is a service for institutional partners — including wallet providers, fintech platforms, crypto exchanges, and brokerage firms — that wish to partner with a regulated provider to offer yield services to their clients, rather than operate the regulatory infrastructure in-house. **Tesseract Investment Oy** — MiCA-authorised and FIN-FSA-supervised as a Crypto Asset Service Provider — handles all KYC / AML, custody, and asset transfer requirements. Partners remain responsible for their own regulatory obligations, including any licensing, suitability and consumer-protection requirements applicable to them. The model suits institutions that do not hold the relevant regulatory authorisations in their jurisdiction and want a compliant, scalable route to offer yield services to their clients through a regulated partnership. Institutional clients operate on Earn Direct as an [organization](/earn-direct-and-earn-api/earn-direct/organizations.md) — a shared workspace for a team. See [Organizations](/earn-direct-and-earn-api/earn-direct/organizations.md) for onboarding, KYB, and shared wallets, and [Team Management](/earn-direct-and-earn-api/earn-direct/organizations/team-management.md) for inviting members, roles and permissions, and wallet verification. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.tesseract.fi/earn-direct-and-earn-api/earn-direct/for-institutional-clients.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.