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Staking (Liquid & Delegated)

Staking lets you put a proof-of-stake coin to work helping secure a network, and earn a reward for it. You'll find it under Finance → Earn → Stake, laid out just like the lending vaults. FairWins never holds your funds — every action runs from your own wallet against audited third-party protocols.

Unlike lending, staking has a waiting period to get some funds back, and delegated staking carries a slashing risk. Both are explained honestly before you confirm.

Liquid vs delegated

  • Liquid staking — you stake a coin (for example ETH via Lido, or POL via Polygon's sPOL) and receive a liquid staking token (wstETH, sPOL) that represents your stake and grows in value as rewards accrue. You can hold it, and cash out later.
  • Delegated staking — you delegate a coin to a validator you choose from a short, vetted list. Your coin is locked with that validator; to get it back you unstake and wait out an unbonding period (about 2–4 days on Polygon). Some delegated positions pay separate rewards you can claim.

At launch, staking runs on Ethereum: ETH (Lido, liquid), POL (sPOL, liquid), and POL delegation to a curated Polygon validator (delegated).

How to stake

  1. Open Earn → Stake and pick an option. Each card shows the coin, whether it's liquid or delegated, the estimated yearly rate (APR), how much is already staked, who provides it, and the unbonding terms.
  2. Enter an amount (Max leaves a little of a native coin for network fees) and review the summary — including how you get funds back.
  3. Confirm in your wallet. Your position appears once the transaction settles.

How to get funds back

  • Liquid (Lido) — request a withdrawal; the provider processes it over a short queue, then you claim.
  • Liquid (sPOL) — either unstake and wait the unbonding period, or swap sPOL back to POL right away at the market price (shown honestly, including price impact).
  • Delegated — unstake (you'll acknowledge the unbonding wait first), wait the unbonding period, then Withdraw when it shows Ready to withdraw.

You'll get a notification when a delegated unbonding period completes and your funds are ready to withdraw.

Rewards, fees, and risks

  • Rewards — liquid staking has no separate claim (rewards build into the token's value). Some delegated positions have a Claim action.
  • Fees — on liquid staking a FairWins platform fee applies to the amount you stake where one is set (0.50% on Polygon today, capped at 2.5%, zero on some networks), shown as its own line before you confirm and never charged on unstaking or on rewards. Delegated staking carries no FairWins fee — it is a direct call from your own wallet to the validator. See Platform Fees. Providers take their own protocol fee on top (for example Lido and sPOL take a cut of rewards); that's the provider's fee, shown as such.
  • Risks — rewards vary and are not guaranteed; staked funds are not instantly spendable; and with delegated staking, a validator penalty (slashing) can reduce your staked amount. Staking runs through third-party protocols.

Every stake, unstake, withdrawal, and reward claim is recorded in your activity feed and your financial activity ledger.