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An account is an email address, a password and a confirmation code. The password is checked against the same five rules everywhere one is set — at least eight characters, a lower-case letter, an upper-case letter, a digit and one symbol — and the form shows the list live, so nothing is rejected after the fact.

Opening an account costs nothing and commits nothing. You can sign in, read the strategy terms and look at the cabinet before any money exists. Your investor ID is issued at that moment: it is the number support asks for, and it is also your referral link — there is no second code to keep somewhere.

A guided tour of the cabinet is available from the ? button — it walks the screens in the order you will actually use them and can be closed and restarted at any point.

The short version: Overview is the summary — what you hold, what it earned, what it is worth today. Wallet and Deposit are where money comes in. Stake is where a contract is opened: an amount, a lock, a payout mode. My Yield is where the contract lives afterwards — the daily result, the curve, the activity log and the settings for that one position. Transactions and Statements are the record. Security is where two-factor authentication and the withdrawal whitelist are set up, and it is worth visiting before the first deposit rather than after the first withdrawal.

Four steps. Deposit — pick an asset and a network on the Deposit screen and send to the address it issues you. Wait — the screen tracks the payment from detected, through confirming, to credited, and the balance moves on its own. Open a contract on Stake — an amount from $100, one of the four locks, and a payout mode. Then wait once more: a new contract activates within one to three business days and starts earning from its activation date.

Two things worth doing between step two and step three: turn on two-factor authentication, and add the wallet address you will eventually withdraw to. A new withdrawal address waits twenty-four hours after it is verified, and that wait is far more comfortable at the start than on the day you want your money.

Three floors, and the platform reads all three from one place, so what a screen shows and what a request is checked against cannot drift apart. The smallest deposit is $25. The smallest contract is $100. The smallest withdrawal is $25.

The contract minimum is the one that matters for planning: it applies per contract, not per account, so $400 can be one 120-day contract or four 30-day ones opened on different dates. Deposits in BTC or ETH are measured against the floor at the platform’s quoted rate, which is the same rate the rest of the platform prices with.

Because capital has to be placed before it can earn. A contract is money committed to a hedged strategy, and the window between opening it and activating it is the interval in which that happens — the platform states it as one to three business days rather than promising a same-day start it might not make.

What the window does not do is cost you a day. The strategy’s day runs in a fixed order — matured contracts first, then activations, then the day’s accrual, then payouts — so a contract whose activation date has arrived is activated before the accrual step and earns from that date, not from the day after it. Your contract shows its activation date from the moment it is opened.

Three ways in: USDT on BEP-20, BTC on Bitcoin, and ETH on Ethereum. BEP-20 is listed first because it is the cheapest of the three to send on — the sender’s network cost is usually a fraction of a dollar — and a list is read from the top.

USDT is taken on BEP-20 only. Tron (TRC-20) and Ethereum (ERC-20) USDT were both offered once and were removed by the owner’s decision; addresses issued before that are still honoured, but the deposit screen will not issue a new one. If your exchange cannot send USDT on BEP-20, send BTC or ETH instead, or move the USDT to a wallet that can choose its network.

Contracts are denominated and settled in USDT. BTC and ETH can be deposited and held, and they are converted on the way into a contract at the platform’s quoted rate.

A deposit moves through three stages on the Deposit screen and you can watch all three: detected, when the transaction has been seen on the network; confirming, with a live counter of how many confirmations it has and how many it needs; and credited, when the balance has moved.

The depth required differs per network and is set per deposit at the moment it is first seen, so a payment already in flight is never re-judged by a rule that changed underneath it. In practice a BNB Smart Chain or Ethereum transfer is minutes and a Bitcoin transfer is longer, because Bitcoin blocks are.

If a chain reorganises and a transaction that had been credited disappears, the credit is undone by a reversing entry rather than by editing the original. It will be visible in your history as two lines, which is the point.

It is yours, it is derived for your account on that specific network, and it does not change: asking for it twice returns the same address rather than issuing a second one. Reusing it for every deposit on that network is expected and correct.

Copy it from the screen — with the copy button or the QR code — rather than typing it from a screenshot. An address is a long string in which a single wrong character is a transfer to nobody, and the copy button exists precisely so that nobody has to trust their eyes.

If the platform cannot issue an address for a network, the screen says that the network is temporarily unavailable. It will not show you an address it is unsure of, which is the only acceptable behaviour for a field that decides where money goes.

The watcher that credits deposits looks only for the pairs the platform accepts, at the addresses it issued. Anything else is not credited automatically — it is not lost by the act of arriving, but it is not a balance either, and no screen will show it.

Write to support with the transaction hash, the network and the amount, and do it before sending anything else to the same address. Recovery depends on the chain and on the asset, and some combinations cannot be recovered at all: a token sent to an address on a chain whose keys nobody derives is gone in the way that only blockchains manage.

The way to never need this article: pick the network on the Deposit screen first, then set the same network in your wallet or exchange, then copy the address.

It is a preference on the Wallet screen, and it is off until you turn it on. With it on, a BTC or ETH deposit is converted to USDT in the same step that credits it, so what lands in your balance is already the asset contracts are opened in. With it off, the deposit stays in the coin you sent and you convert when you choose; deposits already in your wallet are never touched.

Either way the conversion is the same one the Swap form performs: the platform’s quoted rate, less its spread (0.40 % unless a different spread is set), written into the ledger as its own set of entries rather than folded silently into the rate. The receipt shows what left, what arrived and what the spread took. When no quote is available for the coin at the moment of the credit, the coin waits in your wallet as itself and is swapped as soon as the quote is back.

Which to choose is a question about exposure, not about fees. Holding BTC means your balance moves with the BTC price; holding USDT means it does not. A contract’s target return is quoted on dollars, so anything sitting in BTC is a second position you have taken alongside it.

To an address on your own whitelist, and only there. The Withdraw screen asks for the network, the amount in the asset’s own units and the destination, then confirms it with your password — and with your authenticator code if two-factor authentication is on. Both are checked by the server, not by the page.

The moment the request is accepted, the amount leaves your available balance and is held against the request: two entries, written together, so the money is neither spendable twice nor missing. Cancelling a request that has not been sent releases the hold the same way, with a reversing entry.

The same screen shows the request moving through the system checks, approval, sending and completion. Once the transfer is sent, its transaction hash appears there too.

Because the alternative is that stealing a session is enough to steal the money. Adding an address asks for your password, then a code sent to your email, and then the address waits twenty-four hours from the moment it is verified before anything can be sent to it. The wait is enforced by the platform and by the database underneath it, not by the screen.

Those twenty-four hours are the window in which you notice. An address you did not add appears in your whitelist, you revoke it, and nothing has left. Without the hold, the same intrusion ends with a transfer already broadcast and nothing to revoke.

The practical consequence: add the address you will withdraw to on the day you open the account, not on the day you want the money.

The system checks the destination against your verified whitelist and its security hold, then checks the balance, amount, network and configured limits. A request that passes the automatic checks is approved and moves to the sending stage without an individual approval step.

Approval is not the same as a transfer on the blockchain. Once the transfer is sent, its status and transaction hash appear in the cabinet. If a request cannot pass the automatic checks, it remains in its current status instead of being shown as sent.

If a request is rejected, the held amount returns to your available balance. You can cancel a request yourself until it has been sent.

The smallest withdrawal is $25, and the fee is set by your investor rank: 3.00 % of the amount at the first rank, falling 0.30 a rank to 0.00 % at CarryLane Prime. It is charged only on money going out to an external wallet — the amount, the fee and what you receive are all on the confirmation step before you approve anything, and the receipt afterwards repeats the same three figures.

Two properties of that figure are worth knowing. It is subtracted from the amount, never added to it, so asking to withdraw your entire balance is never refused for being a fee short — and the $25 minimum is judged on the amount you ask for, before the fee. The network cost is paid by us in whatever the network charges in, which is rarely the asset you are withdrawing, and it is currently charged to you at zero on all three assets.

Nothing else on the platform costs anything: deposits, opening a contract, the daily credit, payouts to your wallet, referral income and maturity are all free, and nothing is deducted from what a contract earns.

CarryLane Strategy comes in four lengths. Thirty days targets 10 % a year, sixty targets 13 %, ninety targets 16 % and a hundred and twenty targets 20 %. A longer lock aims higher because the strategy can hold a position through a bad week instead of having to unwind it on a date somebody else chose.

The lock is chosen per contract and fixed for that contract. The minimum is $100 each, so several contracts on different dates and different lengths is a perfectly ordinary way to hold a position — and it is the only way to have money coming free at more than one date.

Alongside the four there is a second strategy, the Carry Option: the same hedged book with an option layer on top and its own daily result, in two locks — 180 and 365 days — from $2,500. Its terms are set out in the Investor Note.

Yes, and the platform is built to record it rather than hide it. Carry is a spread, and a spread can invert: funding can turn against the position, a basis can widen before it converges, and a hedge costs money to keep straight. A negative day is credited as a negative accrual and your curve shows it.

A losing day is shared in the same proportion as a winning one — your contract takes its share of the loss, and nothing is charged on top of it. There is no fee on yield at all: a flat day costs you nothing and an earning day is credited whole.

What does not happen is a margin call on you. A contract’s exposure is carried by the strategy, not your account: you cannot be asked for more money, and the worst case is a contract that matures worth less than it started.

Your position over time: the capital you committed plus the profit that has accrued on it, at the end of each day, with timeframes from a week to the whole life of the account. It is built from your own contracts and your own accruals — it is not a market price and it does not move because BTC did.

The second curve, when you switch it on, is the strategy itself. Comparing the two is how you see the difference your own timing made: two investors in the same strategy who opened contracts a month apart have the same strategy curve and different curves of their own.

Underneath the chart, the breakdown separates the capital you put in from the profit credited on it, and the Activity tab lists every entry behind it — one row per accrual, per payout, per top-up.

Three modes, chosen per contract. Reinvest keeps the profit inside the contract, where it earns alongside the capital, and returns the whole value as cash when the term ends. Roll does the same, then opens a fresh contract with the full value at maturity instead of paying out. Settle to cash sweeps profit to your spendable balance as it is credited, so the contract earns simple interest and only the original amount comes back at the end.

The choice is about what you want the money to do, not about the rate: all three earn the same daily result on the same capital. Reinvest and roll compound it; settle takes it out and stops it compounding, which is the point if you are living on the income.

Once every seven days, per contract. The screen shows the date the next change becomes available, and until then the control is locked rather than hidden.

The limit exists because the mode decides what is compounding: switching back and forth daily would make a contract’s basis a question of when somebody last clicked, and would make the statement at the end impossible to reconcile against the terms at the start. A week is long enough to be a decision and short enough to change your mind.

Changing the mode does not change the lock, the target or the maturity date, and it never moves money on its own.

It depends on the mode the contract is in, and it happens first in the strategy’s daily cycle — before that day’s accrual, so that nothing falls between the two events.

On reinvest or settle, the contract closes and its value is credited to your spendable balance: capital plus retained profit on reinvest, capital alone on settle, since the profit has been arriving all along. On roll, the value opens a successor contract the same day, on the same lock, and the new contract starts earning without a gap.

Nothing is automatically withdrawn. Money that has settled sits in your balance until you open another contract or request a withdrawal to your whitelisted address.

No. A lock is a lock: the capital is committed for the term you chose and there is no early exit, no partial break and no penalty schedule that lets you buy your way out. This is stated plainly here because it is the single most important thing to understand before committing money.

The reason is the strategy rather than the paperwork. Positions are opened against the money that is committed for a period; capital that could leave on demand would have to be held in a way that earns far less, and then the target would be a different number.

What is under your control: the length you pick at the start, splitting an amount across several contracts and several dates, and the payout mode — a contract set to settle pays its profit out as it is earned rather than at the end.

A second strategy beside CarryLane Strategy. It runs the same hedged carry position and writes a defined option structure on top of it: premium is collected against structures whose worst case is known on the day they are written. It has its own published daily result, so in the cabinet it has its own rate and its own chart. There are two locks, 180 and 365 days, and the minimum is $2,500 per contract. The structure is written quarterly, so the shorter lock spans two option cycles and the longer one four; the result still accrues daily, as it does on the first strategy.

Its terms, its targets and what happens inside a cycle are set out in the Investor Note, and they are stated there as targets — the same standard as everywhere else on this site. It is a much longer commitment than the 120-day lock, there is no early exit, and it carries the option layer’s own risks, which the note describes rather than footnotes.

Security → two-factor authentication. The platform shows a QR code and a secret for any authenticator app, and asks for your password and one generated code to switch it on. From then on the code is required at sign-in and on anything that moves money.

You are also shown ten recovery codes, once. They are not stored anywhere we can read them, which is the correct design and also means we cannot recite them to you later: write them down somewhere that is not the phone holding the authenticator. Each one works once, and the cabinet tells you how many are left.

Turning it off asks for your password and a current code — the same standard as turning it on, so a borrowed screen cannot quietly remove it.

Five rules, identical at sign-up, at reset and in the cabinet: eight characters or more, a lower-case letter, an upper-case letter, a digit and one symbol. Long passphrases are welcome — the limit is two hundred characters, which is far past any real one. Changing the password asks for the old one and then confirms with a code sent to your email.

A session expires after twelve hours of inactivity and cannot outlive thirty days no matter how active it is. The second limit is the one that matters on a stolen laptop: a browser left open cannot keep a session alive for ever.

Every session is listed on the Security screen with where and when it was last used, and any of them can be revoked from there — including the one you are not sitting at.

A statement is your ledger, cut to a period and totalled. The archive lists the months that have closed; below it, a custom range takes any two dates. Both are exported from the cabinet.

Each one carries the opening balance, everything that came in and everything that went out as two separate columns, the closing balance, and one line per movement — deposits, contract openings, payouts, withdrawals, conversions and any corrections. Balances are per asset, because a statement that added tether to bitcoin would be arithmetic nobody could check.

The figures come from the same ledger the screens read, so a statement and the screen it was taken from cannot disagree. A months-in-progress statement is deliberately not offered: a document named after June has to be the same document next week.

A printable edition is being prepared; the export available today is a spreadsheet file that opens in any tool that sums a column.

No. The ledger is append-only, and not as a policy somebody could relax: the database itself refuses an update or a delete on a posted entry. Money either has a record or does not exist.

Corrections therefore take the only remaining form — a reversing entry that cancels the original and leaves both visible. A deposit undone by a chain reorganisation, a withdrawal cancelled before it was sent, an error found in a day’s accrual: each shows up as the first line and then the line that answered it.

This is why your history has no “pending” column to watch and nothing that changes after the fact. It also means the platform can be reconciled by anyone reading the same rows, which is the property that makes the rest of the promises checkable.

Your investor ID is your referral code from the day the account exists. You are paid when an investor in your network activates a contract: the level’s rate of the activated amount, by your partner rank at that moment — 7.0 % on a direct referral before any rank, up to 10.0 % at CarryLane Apex, 3.0 % on level two, and so on across ten levels.

A rank also opens deeper levels — 5 before any rank, all ten from Underwriter — and pays a one-time bonus to your wallet the first time it is reached, $50 at Scout to $50,000 at CarryLane Apex. Registrations and deposits pay nothing.

Ranks are not decoration. Your own investor rank sets the fee you pay to withdraw to an external wallet — it falls from 3.00 % to 0.00 % as lifetime capital committed grows — and your partner rank sets the referral rate above.

One fee, and it is charged when money leaves. Withdrawing to an external wallet costs 3.00 % of the amount at the first investor rank and falls 0.30 a rank to 0.00 % at CarryLane Prime; the rate you are on is shown in the cabinet, and it is the rate the request is actually charged at.

Nothing is deducted from what you earn. A contract is credited its share of every approved day in full — no management fee, no share of the profit, on earning days and on flat ones alike. The platform is paid by what the strategy earns above your target, not out of your side of it.

Alongside that, converting between assets inside the cabinet carries a spread of 0.40 %, shown in the receipt as its own line. Deposits, opening a contract, payouts to your wallet, referral income and maturity cost nothing. Anything else you see quoted elsewhere is not a fee this platform takes.

From inside the cabinet, the support launcher opens a chat that is one continuous conversation — you do not start again each time — and a ticket tab for anything that needs a subject and a category. Both keep their history, and a closed thread reopens if either side writes again.

From outside, the support address on this page reaches the same team. Replies come within one business day; the chat in the cabinet is usually faster.

For anything touching money — a deposit that has not arrived, a withdrawal still pending, an address you do not recognise on your whitelist — include your investor ID and the transaction hash if there is one. Support will never ask you for your password, a two-factor code or a recovery code, and nobody from CarryLane will message you first on a social channel.