BTC Savings Accounts
Automate your wealth accumulation by converting platform earnings into long-term Bitcoin reserves.
Mesi allows creators to hedge against volatility and build long-term value by bridging native platform earnings with the world's premier digital asset. As detailed in our Payments & Payouts section, users can opt-in to a high-security BTC savings framework.
The Savings Mechanism
The BTC Savings system operates as a secondary layer following your instant $MESI payout. This ensure you have immediate liquidity while still building a "HODL" position.
Define a percentage of your **\$MESI** payouts to be automatically converted into Bitcoin. Mesi executes the trade via integrated institutional exchanges to secure the best market rate at the time of withdrawal. The acquired BTC is moved to a dedicated, off-chain custodial vault managed by Mesi for maximum security.
Conversion & Tier Limits
To ensure sustainable liquidity and fair access, BTC conversions are governed by the following constraints:
Monthly Cap
Up to 5% of your previous month's total earnings can be converted.
Tier Maximums
Your Account Tier determines the total USDC-equivalent value you can hold in the savings pool.
Genesis Rule
During the first 30 days post-launch, a fixed global conversion limit applies to all users.
Unlocking & Liquidity
Bitcoin reserves are subject to a Gradual Release Schedule to encourage long-term holding and platform stability.
Daily Accrual: Claimable balances increase by 1/60th every 24 hours.
Full Maturity: Users obtain 100% withdrawal rights to their accumulated BTC after 60 days of continuous holding.
Yield Generation (mBTC)
While your Bitcoin is held within the Mesi vault, it isn't sitting idle. Mesi employs institutional-grade DeFi strategies to generate additional yield on the total pool.
DeFi Strategies: Yield is generated through staking, lending, and liquidity provisioning.
Balance Growth: A portion of these earnings is redistributed back to users, effectively increasing your BTC balance over time.
mBTC Utility: You can spend your unlocked BTC portions instantly within the Mesi app using mBTC (Mesi’s off-chain BTC equivalent).
**Market Risk:** Mesi does not guarantee fixed interest rates. Yield returns vary based on DeFi market conditions and network opportunities. 
**Pro-Tip:** Enabling BTC savings is a "set-and-forget" strategy. By allocating just 5% of your **\$MESI** payouts monthly, you can build a significant Bitcoin reserve without ever needing to use an external exchange.
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