Bridging the Gap Between Traditional Finance and Web3: Introducing PLEARN Vault
At PLEARN, we've always believed in the power of Real-World Assets (RWA) to bridge the gap between traditional finance and the Web3 ecosystem. Our vision is to make blockchain technology more accessible, practical, and integrated into everyday financial opportunities. That's why we're proud to introduce PLEARN Vault, our first step toward revolutionizing decentralized finance.
The Evolution of PLEARN: From DeFi to a Comprehensive RWA Ecosystem
PLEARN started as a DeFi platform with staking features, rewarding our community with exclusive luxury benefits based on tiered holdings. However, we knew this was just the beginning.
To truly push boundaries, we are building an innovative financial ecosystem centered around three key pillars:
  • Tokenization — Transforming real-world assets into digital, tradeable tokens.
  • RWA Marketplace — Enabling seamless access to high-value, fractionalized investments.
  • RWA Lending Platform — Empowering investors with liquidity solutions backed by real-world assets.
PLEARN Vault is the first key piece of this puzzle, bringing real investment opportunities into the hands of everyday investors through blockchain technology.
Why PLEARN Vault?
Traditionally, high-return private funds require a minimum investment of $50,000, making them inaccessible to most retail investors. With PLEARN Vault, we break down these barriers by tokenizing and fractionalizing these funds, allowing investors to start with as little as $100 USDT. This means anyone can now participate in real-world, professionally managed investment opportunities without the usual high capital requirements.
Benefits of Investing in PLEARN Vault
Investors in PLEARN Vault enjoy:
- High Yield Returns – Earn a competitive 8.25% APR.
- Extra Rewards – Receive additional $PLN bonuses 1.75% APR.
- Low Entry Point – Start investing with just $100 USDT.
- Seamless Blockchain Integration – Invest, track, and withdraw with ease through smart contracts.
- Real Investment Exposure – Your funds are allocated to a professionally managed, high-yield private fund.
PLEARN itself receives a 1% transaction fee, ensuring a sustainable model for continued platform growth.
PLEARN Vault Process
We’ve designed PLEARN Vault to be straightforward and transparent, with clear processes for deposits, returns, and withdrawals:
1. Deposit Process
  • Invest a minimum of 100 USDT during the deposit period 1st — 25th of each month.
  • A 1% deposit fee applies.
  • Your investment is converted into Investment Units at the current exchange rate.
  • Returns start accumulating from the 1st of the following month.
2. Exchange Rate Calculation
  • The Exchange Rate updates monthly, ensuring full transparency in investment valuation.
3. Auto-Reinvestment for Maximum Growth
  • Your returns are automatically reinvested at the end of each month, increasing your Investment Units (NAV) over time.
4. Withdrawal Process
  • Withdrawal requests are available during 1st – 15th of each month..
  • Once requested, the claim period is assigned between the 15th and 30th of the following month, after which funds can be claimed anytime.
  • Regardless of when you request redemption (e.g., March 1 or March 15), returns are calculated for the entire month.
  • Once a withdrawal request is submitted, the withdrawn amount willno longer accrue returns.
5. Claiming Your Funds
  • On the claim start date, you can withdraw your USDT principal and PLN returns at any time.
  • Funds are automatically transferred to your wallet upon claiming.
Exploring PLEARN Vault here.
Here's how to get started with PLEARN Vault:
To Invest
  • Connect your Web3 wallet
  • Select "Stake" to invest USDT and receive fund units (1st-25th of the month)
  • Invest a minimum of $100 USDT (1% transaction fee included)
  • Confirm and stake
The system calculates the exchange rate and converts your investment into fund units on the 1st of the following month.
To Withdraw
  • Connect your Web3 wallet
  • Select "Unstake" to request redemption (1st-15th of the month)
  • Choose "Request" to enter the USDT amount you want to redeem
  • Once claim start date arrives, select "Claim" to check status or withdraw available funds anytime
NAV settlement is calculated at the end of the month, and claim start date will be assigned in period 15th - 30th of the following month.
Example:
All numbers are examples. The exchange rate grows monthly based on APR. Please check before investing.
  • Investment: $100 USDT
  • Exchange Rate: 1.00719
  • APR: 8.25% in USDT + 1.75% in PLN
How It Works:
1. Deposit $100 USDT by Feb 25 (1% fee applies, e.g., $100 → $101).
2. Receive 100.719 units — Earnings start on March 1. Units grow monthly based on APR.
3. Redemption Request: Submit between March 1-15. No request? Auto-reinvest with no transaction fee.
4. Claim Start Date: Assigned in the following month.
5. Withdraw Anytime once the claim start date arrives.
6. Monthly Growth: Units adjust with updated APR (e.g., Exchange rate 1 Unit per 1.00719 → 1.014 USDT).
A New Era of Accessible Finance
PLEARN Vault is more than just an investment product—it's a step toward democratizing finance through blockchain technology. By tokenizing real-world assets and offering fractionalized access, we empower more people to participate in high-value investment opportunities.
This is just the beginning of our journey. As we continue to build out our RWA ecosystem, we invite you to stay connected and explore how PLEARN is shaping the future of decentralized finance.
Exploring PLEARN Vault here.
Curious to learn more? Follow us and stay updated on how PLEARN Vault is transforming investment opportunities for everyone.
Disclaimer: This information is for educational purposes only and does not constitute financial advice.