Introducing stock-paying savings

Starting today, apys lets you own tokenized stock ($NVDA, $AAPL, $MSTR, and $SPCX) without spending a dollar of your own money.

Here's how stock-paying savings work.

TL;DR

● Earn on your USDC: Deposit USDC, start earning interest on it, and turn that interest into tokenized stock.

● Zero extra cost: apys covers your transaction fees and the one-time cost of opening a token account.

● Delivered to you: The stock lands straight in your wallet, controlled only by you.

● Stay flexible: You can also withdraw your interest as USDC instead.

Why stock-paying savings?

Stability, upside, and liquidity. Most products make you pick two.

A savings account gives you stability and liquidity, but limited upside. Buying stock outright gives you upside, but you're spending money you might want back tomorrow.

apys is built to give you all three at once: stable dollars sitting in audited markets, liquid because there's no lock-up, and upside because the interest they earn can become blue chip stock instead of just more dollars.

Why earn with apys?

Here's everything to love:

Only audited markets: apys has no smart contracts of its own (deliberate part of our design), so there's nothing of ours to audit. Your USDC goes into third-party lending protocols, and apys only routes to ones that have been thoroughly audited. We score those markets across Solana on interest, risk, and liquidity (currently Kamino, Jupiter Lend, and Loopscale) and build your allocation across them. See how we pick the markets.
Full custody, no lock-up: apys never takes custody of your funds. They stay yours the whole time. You can access your deposits directly on the lending markets they're earning on.
Pick your strategy: Claim your interest as stock or as USDC, whenever you want. Claim weekly or monthly and you're effectively dollar-cost-averaging.

Getting started

You can get started with stock-paying savings in just a few taps. All you need is a Solana wallet with USDC you want to start earning on.

Deposit USDC

Deposit USDC into apys and it starts earning interest immediately across audited lending markets on Solana. Your deposit never moves.

Claim your stock

When you're ready, click Claim in your portfolio. Your accrued interest converts into $NVDA, $AAPL, $MSTR, or $SPCX (with more assets coming soon), or alternatively take it as USDC.

Understanding the risks

Like with anything DeFi, there are risks. Most of them are general and apply to most onchain apps.

Rate risk: Rates move with borrowing demand, so what you earn goes up and down.
Protocol risk: Lending protocols are software, and software can fail.
Market risk: The stock you claim can fall as well as rise.
Issuer risk: Tokenized stocks are issued by a third party, not a broker.
Withdrawal delays: Withdrawals can take longer than usual if a market is under unusual stress.

Find the full breakdown here.

Looking ahead

Stock-paying savings is just the start. We're working on more assets, more markets, and more ways to put your interest to work.

Test the feature today at apys.co.