Yield Offering

Tesseract provides two yield services: Dedicated Client Vaults (regulated portfolio management, Tesseract Investment Oy) and Institutional Lending (Tesseract Earn Oy and its UK SPVs, outside the MiCA

Not for UK persons. This website and its contents are not directed at persons located in, or resident in, the United Kingdom. They do not constitute a financial promotion within the meaning of section 21 of the Financial Services and Markets Act 2000, and are not approved by an authorised person.

Tesseract provides two yield services: Dedicated Client Vaults (regulated portfolio management, Tesseract Investment Oy) and Institutional Lending (Tesseract Earn Oy and its UK SPVs, outside the MiCA perimeter).

Dedicated Client Vaults

Tesseract Investment Oy delivers the DCV service as a discretionary portfolio management mandate executed through per-client on-chain vaults on Ethereum mainnet, and on Base for cbETH. Each client receives their own isolated vault. There is no pooling and no commingling of assets.

Yield is tracked through share price appreciation with auto-compounding — no manual claim required. Current strategy options are visible in the Tesseract app.

Parameter	Detail
Blockchain	Ethereum mainnet; Base for cbETH
Supported Assets	USDC, wETH, wBTC, cbETH
Minimum Deposit	$10,000 USDC
Indicative Yields	See the Tesseract app — rates are variable and not repeated here
Withdrawals	Instant for amounts covered by liquid balance; scheduled flow for larger amounts

Current indicative rates for every strategy are shown in the Tesseract app, which reads them from the vault registry. They are deliberately not repeated here: rates are variable and a figure copied into documentation goes stale silently.

Rates are indicative gross targets, not guaranteed, and will vary. Advanced strategies use leverage. Capital is at risk. The full rate terms and risk disclosure are published with the rates in the app and at tesseract.fi/vaults.

Institutional Lending

Institutional Lending is provided by Tesseract Earn Oy and its UK Special Purpose Vehicles (Tesseract UK Access I Ltd and Tesseract UK Access II Ltd), outside the MiCA regulatory perimeter. Tesseract Earn Oy applies compliance standards equivalent to those applicable to Tesseract Investment Oy, including KYC on all borrowers, SPV-level asset segregation, and transparent portfolio reporting.

The service offers institutional counterparties a route to earn yield on digital assets through lending to vetted institutional borrowers. A delta-neutral strategy eliminates exposure to cryptocurrency price volatility, and the loan portfolio is diversified across multiple borrowers to mitigate concentration risk. Collateral is managed securely through a third-party custodian, and loan terms allow for up to 100% asset withdrawal without lock-up periods.

Tesseract provides regular monthly reports detailing loan performance and portfolio parameters. Risk management practices include rigorous credit assessments and AML/KYC compliance.

Product Sheet: Lending Product Sheet

Currency Support

Dedicated Client Vaults — Tesseract Investment Oy, MiCA CASP

Currency	Vaults
Bitcoin (BTC)	✅ (wBTC)
Ethereum (ETH)	✅
USDC	✅

Institutional Lending — Tesseract Earn Oy / UK SPVs, outside the MiCA perimeter

Currency	Lending
Bitcoin (BTC)	✅
Ethereum (ETH)	✅
USDC	✅
Litecoin	✅
Ripple (XRP)	✅
Solana	✅
Cardano	✅
Polygon	✅
Polkadot	✅
Binance Coin	✅
Avalanche	✅
Dogecoin	✅
DAI	✅
ATOM	✅
NEAR	✅
Kusama	✅
Others	✅

• We remain open to consider further assets according to market conditions

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Risks. Discretionary portfolio management of crypto-assets involves significant risks, including smart contract risk, DeFi protocol risk, oracle risk, liquidity risk, market stress risk, counterparty risk, custody risk and regulatory change risk, and the risk of total loss of capital. Yields are indicative only, not guaranteed, and will vary.

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This website is a marketing communication of Tesseract Investment Oy, a crypto-asset service provider authorised under Regulation (EU) 2023/1114 (MiCA) by the Finnish Financial Supervisory Authority (FIN-FSA). It is directed at institutional counterparties under a non-disclosure agreement with Tesseract. It is not an offer or solicitation.