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Documentation Index

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Stop letting banks profit from your money. By staking your balance in Fellow’s liquidity pool, you become part of the collective infrastructure that powers instant transfers while earning the returns that banks traditionally keep for themselves.
The Banking Revolution: Instead of earning 3-5% while banks profit 20%+ on user deposits, users can directly participate in the credit infrastructure and earn what banks earn.

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Why Banks Don’t Want You to Know This

Traditional banking creates a massive profit gap that you’ve been locked out of:

How Banks Work Today

You Deposit Money: Earn 3-5% APY in savings Bank Lends Your Money: Earns 20-25% on credit products Bank Keeps the Difference: 15-20% profit margin You Get: Scraps while they profit from your capital

How Fellow Works

You Stake Capital: Provide liquidity directly to users Users Pay Transfer Fees: 40-80 basis points per transaction You Earn the Spread: 30-65% APR on your staked balance Fellow Takes: Small protocol fee (10-15%)
The Bottom Line: Fellow eliminates the banking middleman and lets you capture the returns that banks have been keeping from you.

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How It Works

1

Stake Your USDC

Deposit USDC into Fellow’s liquidity pool to become a liquidity provider
2

Power Instant Transfers

Your capital enables other users to make instant transfers between platforms
3

Earn From Every Transaction

Receive a proportional share of fees from every instant transfer on the network
4

Compound Your Returns

Earnings automatically reinvest to grow your stake and future returns

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The Fellow Advantage

Superior Returns

30-65% APR Earn what credit card companies earn, not what banks pay depositors

Socialized Risk

Diversified Pool Risk spread across thousands of small, short-term positions instead of concentrated exposure

Democratic Access

Anyone Can Participate Minimum $100 stake vs. millions needed for traditional credit infrastructure
Why This Works: Fellow’s router creates thousands of 2-4 day credit instruments daily. Users pay premium rates (like credit cards) for instant liquidity, but you earn those returns instead of Visa and Mastercard.

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Ready to Start Earning?

Get Started Now

Create your Fellow account and start staking in under 5 minutes

Download Fellow

Get the app and begin your journey to financial independence

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Learn More

Fees & Economics

Detailed breakdown of LP earnings, fee structures, and return calculations

Security & Risk

Understand the risks and protective mechanisms for liquidity providers

How Fellow Works

Deep dive into the technical infrastructure your capital powers

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Join the Revolution

Community of Builders: Connect with other liquidity providers who are collectively rebuilding financial infrastructure. Follow us on X for updates and community discussions.
The Vision: Replace traditional banking gatekeepers with community-owned infrastructure where profits flow to participants, not shareholders. You’re not just earning better returns—you’re helping build the future of finance.
Ready to become your own bank? Start with $100 and begin earning superior returns while powering the next generation of financial infrastructure.