Staking

Staking is designed to reward users for holding and committing their assets to the U-topia ecosystem. It combines flexible lock periods with attractive APY tiers and daily compounding to maximize user returns.

Staking Overview (Lock Periods, APYs)

U-Coin Staking

U-Coin Staking allows users to earn passive crypto income by locking their $U tokens for a fixed period and receiving rewards based on the selected duration.

To get started, users simply choose the amount of $U they want to stake and select from four available lock-in periods:

• 15 days → 10% APY

• 30 days → 12% APY

• 60 days → 15% APY

• 90 days → 18% APY

Once staked, rewards begin accumulating in real time, offering users a transparent and immediate view of their earnings.

A standout feature of U-Coin staking is that even after the initial lock-in period ends, users continue to earn a base APY of 5% until they manually unstake. This continuous yield model provides an attractive alternative to traditional DeFi platforms, where rewards typically stop once the lock expires.

BNB Staking

Users can stake BNB, with the system calculating the staked amount in USD using Chainlink’s real-time price feed to ensure consistent valuation. The minimum stake required is $10 USD worth of BNB.

Stakers can choose from four lock durations, each offering a different APY:

• 30 days → 1% APY

• 90 days → 2% APY

• 180 days → 8% APY

• 365 days → 20% APY

To further incentivize long-term participation, rewards are compounded daily. Even after the selected lock period ends, users continue to earn base-level rewards at 1% APY unless they choose to unstake.

Cool-Off Periods & Auto-Compounding

To ensure security and integrity in the staking process, both BNB and U-Coin staking include structured cool-off periods before withdrawals and reward claims are finalized.

BNB Staking

Withdrawals and reward claims are not immediate. Each action goes through a cool-off window:

• 1 day if the lock-in period has ended

• 7 days for early withdrawals or reward claims

During this cool-off period, users continue to earn bonus $U-Coin rewards as an added incentive for patience.

U-Coin Staking

The unique advantage of U-Coin staking is that your tokens continue earning at a 5% APY even after the lock-in period ends until you choose to unstake. Once you initiate an unstake:

• 24-hour cool-off for post-lock withdrawals

• 7-day cool-off for early unstaking

This structure provides both ongoing yield and a fair withdrawal timeline, balancing flexibility and ecosystem stability.

Early Withdrawal Penalties

To maintain staking integrity and discourage premature exits that could disrupt token economics, early unstaking carries significant penalties.

BNB Staking

Unstaking before the lock period ends results in:

• 50% penalty on the amount of BNB withdrawn

• 50% slash on accumulated U-Rewards

U-Coin Staking

Similar rules apply to U-Coin staking. If you exit early:

• 50% penalty on withdrawn $U-Coin

• 50% slash on earned rewards

These penalties help preserve long-term incentives, protect the ecosystem's stability, and ensure that staking remains a meaningful commitment.