How it works
The long version. You pick an amount and an approach, we spread it across the best lending markets we can find, and you approve the whole thing in one signature. Below is what happens at each step, where the interest actually comes from, and what can go wrong.
Diversification
Parking in the right spots.
Tell us your amount and approach. We spread it across the best markets we can find for your goals.
Criteria
How apys Chooses Where Your Dollars Go
Before a market can hold a single dollar of your plan, it clears four bars.
Track record
Proven live
Years live, billions moved, real market stress.
Security
Clean history
Audited code, public records, no unexplained incidents.
Size
Deep enough
Your deposit and withdrawal should be drops, not waves.
Exit
Room to leave
We only route where there is space to exit on your timeline.
Portfolio
Watch it grow.
Balances, interest, and earnings from every market, pulled together into one live dashboard that ticks up as you earn.
- Kamino30%$07.83% · 30%
- Loopscale25%$07.54% · 25%
- Jupiter Lend20%$04.55% · 20%
- Jupiter Lend15%$03.89% · 15%
- Kamino10%$03.83% · 10%
One tap
We handle the beesywork.
Five deposits, three conversions, one tap. You approve once and we do everything behind it.
The mechanism
Where does the interest come from?
Other people borrow your dollars, and they pay to do it.
When you put money in, apys lends it to people who need to borrow, the same way a bank does. They pay interest to borrow it. That interest goes to you.
Security
Built to protect your capital.
Security is not a feature we bolt on. It is the foundation every decision is built on.
Non-custodial
Your keys, your funds. We never hold or move assets without your explicit signature.
Audited smart contracts
All on-chain programs are audited by leading security firms. Code is open and verifiable.
Simulated before signing
Every transaction is simulated on-chain before you sign. Reverts are caught before they cost you.
Transparent execution
You can see where capital is going before you sign, and track every position after deposit from one place.
What’s the catch?
This isn’t risk-free, and you should be suspicious of anyone in finance who says otherwise.
Rates move with borrowing demand. What earns 8% this month may earn 5% next. And the software these markets run on can have flaws; that’s the real risk in this system, and it’s why we only allocate to established, battle-tested markets.