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On this page
  • How BTC Savings Work
  • Conversion Limits
  • Unlocking BTC Balances
  • Yield Generation and Additional Profits
  • Spending with Off-Chain BTC (mBTC)
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  1. MESI FINANCE

BTC Savings Accounts

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Last updated 11 days ago

As mentioned in , users can convert a portion of their $MESI profits instead of instant payouts into BTC, which is then deposited into a dedicated savings account.

How BTC Savings Work

Users can allocate a portion of their $MESI token payouts to a BTC savings account.

  • After an instant payout in $MESI tokens, users can choose to convert a portion into BTC.

  • BTC is purchased automatically via an external exchange.

  • Acquired BTC is held securely in off-chain savings accounts managed by Mesi.

Users then gradually unlock their Bitcoin holdings over time.

Conversion Limits

BTC conversions are subject to two important limits:

  • Monthly Limit: Up to 5% of last month's earnings can be converted into BTC. (A fixed conversion limit applies to all users during the first month after launch.)

  • Tier-Based Maximums: Higher user tiers allow for larger BTC savings allocations, based on USDC-equivalent values.

Unlocking BTC Balances

BTC saved in the Mesi savings system is unlocked gradually. Claimable balances increase by 1/60 each day. Full BTC withdrawal rights are obtained after 60 days of accumulation.

Yield Generation and Additional Profits

While held by Mesi, the BTC savings pool is actively managed to generate yield through:

  • Staking,

  • Lending,

  • Web3 liquidity provisioning and other decentralized finance (DeFi) opportunities.

A portion of this yield is returned to users by increasing their BTC savings balances over time.

Note: Mesi does not guarantee fixed interest rates. Returns vary based on market conditions and available Web3 opportunities.

Spending with Off-Chain BTC (mBTC)

Users can also spend unlocked portions of their BTC within the Mesi app:

  • Payments made with mBTC (off-chain Bitcoin equivalent) are based on the proportion of unlocked balance.

  • This enables flexible in-app spending while savings continue to grow.

Payment and Processing