Earn Overview

Jupiter Earn vault mechanics, data structures, and integration overview.

Jupiter Earn is the deposit-and-earn side of Jupiter Lend. Integrating Jupiter Earn lets users supply tokens to earn yield on Solana. Deposits go into Jupiter Lend’s unified liquidity layer and earn the best available rate from lending markets. Interest from borrowers becomes yield for depositors, and positions are tracked in the Jupiter Lend program. Users deposit, view their position in the app, and withdraw when ready. Withdrawals are smoothed via an automated debt ceiling. There are no supply limits and no fees for using Earn.

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About Earn

What is Jupiter Earn?

Jupiter Earn is the deposit-and-earn side of Jupiter Lend. Simply deposit assets and earn yield.

Why is this separate from borrowing?

Jupiter Lend uses a unified liquidity layer where both Earn (lending) and Borrow (vault) protocols can source liquidity from. For depositors this means you earn the best possible rate at all times without having to migrate your funds when new protocols are launched on Jupiter Lend. You can supply once and earn the most up to date yield from the Jupiter Lend protocol.

Are there supply or withdraw limits?

There are no limits on supplying funds to the Earn Protocol. Withdrawals from Jupiter Lend utilise an Automated Debt Ceiling. Withdrawals increase every block creating a smoothing curve for withdrawals preventing any sudden large movements.

What are the risks?

Jupiter Lend is a novel protocol and like all DeFi protocols contains smart contract risk, market risk and other factors which can cause loss of user funds.

What are the fees?

There are no fees to use the Earn Protocol on Jupiter Lend.

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Key components of Earn integration

Earn Operations

Get deposit and withdraw as raw instructions or as account context for CPI. Use the instructions to build and send transactions, or pass the context into your Anchor program.

Yield tracking

Get all lending tokens, token details (supply rate, rewards rate, totals, conversion multipliers), and a user’s position by asset (shares, underlying assets, wallet balance) using SDK.

For complete examples of all Earn operations, see Deposit and Withdraw.

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Ways to fetch data

Public API

Tokens, positions, and earnings endpoints for pool metrics and user data.

SDK (Earn data)

Get instructions for all operations; read lending tokens, token details, and Earn user positions by asset.

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Key data structures

Rust

pub struct Lending {
    pub mint: Pubkey,
    pub f_token_mint: Pubkey,
    pub lending_id: u16,
    pub decimals: u8,
    pub rewards_rate_model: Pubkey,
    pub liquidity_exchange_price: u64,
    pub token_exchange_price: u64,
    pub last_update_timestamp: u64,
    pub token_reserves_liquidity: Pubkey,
    pub supply_position_on_liquidity: Pubkey,
    pub bump: u8,
}

class Lending {
  mint: PublicKey
  fTokenMint: PublicKey
  lendingId: number
  decimals: number
  rewardsRateModel: PublicKey
  liquidityExchangePrice: BN
  tokenExchangePrice: BN
  lastUpdateTimestamp: BN
  tokenReservesLiquidity: PublicKey
  supplyPositionOnLiquidity: PublicKey
  bump: number
}

{ // Example Account data from onchain
  "mint": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
  "f_token_mint": "9BEcn9aPEmhSPbPQeFGjidRiEKki46fVQDyPpSQXPA2D",
  "lending_id": "2",
  "decimals": 6,
  "rewards_rate_model": "5xSPBiD3TibamAnwHDhZABdB4z4F9dcj5PnbteroBTTd",
  "liquidity_exchange_price": "1019794837147",
  "token_exchange_price": "1033646672772",
  "last_update_timestamp": "1771494415",
  "token_reserves_liquidity": "94vK29npVbyRHXH63rRcTiSr26SFhrQTzbpNJuhQEDu",
  "supply_position_on_liquidity": "Hf9gtkM4dpVBahVSzEXSVCAPpKzBsBcns3s8As3z77oF",
  "bump": 255
}

Lending Account

The Lending account represents the per-asset state for Jupiter Lend Earn.

There is one Lending account per supported underlying token mint.
It links the Earn vault layer to the underlying liquidity layer and tracks pricing, reward configuration, and liquidity positions.

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Account structure

Field	Type	Description
mint	Pubkey	Underlying SPL token mint accepted by this lending market (e.g. USDC).
f_token_mint	Pubkey	Mint address for receipt/shares tokens (jlTokens) representing user deposit balances.
lending_id	u16	Unique identifier for this lending market.
decimals	u8	Number of decimals for the underlying asset and jlToken (same as underlying mint).
rewards_rate_model	Pubkey	PDA of the rewards rate model used to calculate reward accrual.
liquidity_exchange_price	u64	Exchange price in the liquidity layer (excluding rewards), scaled (e.g. 1e12).
token_exchange_price	u64	Exchange price between jlToken and underlying asset (including rewards), scaled (e.g. 1e12).
last_update_timestamp	u64	Unix timestamp of the most recent exchange price update.
token_reserves_liquidity	Pubkey	PDA of the liquidity program’s token reserve account for this asset.
supply_position_on_liquidity	Pubkey	PDA of the lending program’s supply position in the liquidity layer.
bump	u8	PDA bump seed for this Lending account.

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Notes

• liquidity_exchange_price reflects base liquidity yield without rewards.
• token_exchange_price includes reward accrual and determines the value of jlTokens.
• All prices are scaled integers and must be descaled using the appropriate precision.

Relevant links

Jupiter Lend SDK repository

Explore the TypeScript SDK source code, examples, and integration patterns.

NPM package

Install the TypeScript SDK to integrate deposit, withdraw, mint, and redeem flows.