How apys works
apys is a savings app for stablecoins on Solana. It lets you earn interest across audited lending markets based on the growth style and deposit size you pick. It's non-custodial, meaning we never hold your money and you can withdraw whenever.
On a more technical level, at the core of apys is a DeFi lending pool matching engine. It searches pools across audited protocols, builds a diversified allocation that matches the parameters you set, and handles all the execution. There's no smart contract. apys matches you directly with the lending markets.
The problem
Earning interest on Solana means navigating dozens of protocols, each with different interfaces, token requirements, and risk profiles.
Finding opportunities means checking multiple dashboards, comparing APYs that change hourly, managing token swaps, and manually depositing into each protocol.
Most people either pick one protocol, or give up entirely. We offer them a simple option to grow their capital the way they want to.
What apys does
Aggregates lending data
apys continuously monitors lending pools across Solana's top protocols, tracking APY, TVL, volatility, utilization, and more.
Filters pools to your parameters
Every pool is filtered against the parameters you set: risk tolerance and capital. Pools that don't satisfy your inputs are excluded.
Builds your allocation
Based on the parameters you set, apys assembles a diversified allocation across the pools that match. Concentration limits are applied automatically.
Executes everything
Token swaps, protocol deposits, account creation: apys batches it all into transactions you approve. No juggling between protocols.
Tracks your positions
Monitor your positions, earned interest, and withdraw anytime, all from one dashboard.
Core principles
Your private keys never leave your wallet. apys builds transactions, you sign them.
You see exactly which pools, protocols, and amounts before approving anything.
apys only integrates with battle-tested, audited protocols like Jupiter, Kamino, and Loopscale.
Every transaction is simulated onchain before you're asked to sign for your peace of mind.