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Overview

Multi-Factor Staking (MFS) is a staking module in the STBL dApp that allows users to lock $STBL or a combination of $STBL + USST for 3, 7, 14, 30, 60, or 90 days to earn $STBL rewards.

Rewards are distributed daily from a fixed pool of 115,200 $STBL (approximately 10.37 million $STBL over a 90-day program window in the current phase) and scale based on lock duration and asset mix - longer lock periods and dual-asset (STBL + USST) stakes earn higher multipliers and greater rewards.

How it Works​

Each user’s rewards are calculated proportionally using a weighted formula that factors in stake size, duration, and multiplier. As more users stake, individual shares adjust automatically - the total reward pool remains fixed, but distribution changes based on overall participation.

Rewards begin accruing immediately once your staking transaction is confirmed on-chain and are calculated per block (~0.75 seconds), with final distribution happening once every 24 hours. You can claim rewards anytime without interrupting your ongoing accruals or lock duration.

When your lock period ends, your tokens automatically unlock - you can withdraw them directly from the dashboard, restake, or simply leave them idle.

Network & Security : All staking operations occur on-chain on BNB Chain, with BNB required for gas fees. When a lock period ends, tokens automatically unlock - users can withdraw, restake, or leave them idle. Any unclaimed rewards remain available and can be claimed anytime.

In the current phase, reward multipliers follow a parabolic growth curve that accelerates significantly after 30 days of lock duration. This encourages longer commitment while keeping early flexibility.

Getting Started​

  1. Get $STBL

    You’ll need $STBL to participate in staking. You can:

    • Swap on PancakeSwap (BNB Chain): Trade tokens like BNB, USST, or USDC for $STBL. (BNB Contract Address: 0x8dEdf84656fa932157e27C060D8613824e7979e3 - always verify before swapping.
    • Earn $STBL through protocol rewards (for example, by minting USST or holding YLD tokens).
    • Buy from CEXs - $STBL is listed on exchanges like Kraken, BingX, Bybit, and MEXC.

  2. Mint USST (optional)

    You’ll need USST if you want to earn higher multipliers by staking it together with $STBL in MFS. Here’s the quick process to get it

    • Get USDY

    • Mint USST

      • Go to dapp.stbl.com → Mint tab
      • Deposit USDY or OUSG as collateral
      • Receive USST (for staking) + YLD NFT (yield claim)

    • Bridge to BNB Chain

      • Use the STBL Bridge → select Ethereum → BNB → choose USST
      • Once bridged, you can pair USST + STBL in MFS to earn higher rewards.

  3. Stake in MFS

    • Head to the Multi Factor Staking section in the dApp, select your lock duration (3, 7, or 14 days), enter the amount you wish to stake, and confirm the transaction in your wallet.
    • The current MFS interface includes a lock-duration slider (3 → 90 days) to help users select their preferred commitment visually.
    • You can stake any amount of USST, but rewards are calculated only up to 1× your staked $STBL amount. Any excess USST above that ratio will not earn additional rewards.

  4. Track & Claim

    • Once staked, your rewards start accruing instantly. You can view your live earnings, claim rewards anytime, and track all past activity directly from the MFS Dashboard.