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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.

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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.
1

Allocate Earnings

Define a percentage of your $MESI payouts to be automatically converted into Bitcoin.
2

Automated Conversion

Mesi executes the trade via integrated institutional exchanges to secure the best market rate at the time of withdrawal.
3

Secure Custody

The acquired BTC is moved to a dedicated, off-chain custodial vault managed by Mesi for maximum security.

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Conversion & Tier Limits

To ensure sustainable liquidity and fair access, BTC conversions are governed by the following constraints:
Limit TypeDescription
Monthly CapUp to 5% of your previous month’s total earnings can be converted.
Tier MaximumsYour Account Tier determines the total USDC-equivalent value you can hold in the savings pool.
Genesis RuleDuring the first 30 days post-launch, a fixed global conversion limit applies to all users.

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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.

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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.
BTC Savings Management

The BTC Savings Dashboard

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.