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.
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.
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.
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.
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.
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.