How it works
You pick an amount, apys builds a plan across audited lending markets, and you approve everything in one signature to start earning interest.
Then you decide whether your interest comes back to you as dollars or as stock.
Below is what happens at each step, where the interest actually comes from, and what can go wrong.
Parking in the right spots.
Tell us your amount. We spread it across the best markets we can find.
How apys Chooses Where Your Dollars Go
Before a market can hold a single dollar of yours, 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.
Watch it grow.
Balances, interest, and earnings from every market, pulled together into one live dashboard that ticks up as you earn.
- Loopscale30%$07.68% · 30%
- Kamino25%$07.64% · 25%
- Kamino20%$05.30% · 20%
- Jupiter Lend15%$04.06% · 15%
- Jupiter Lend10%$03.63% · 10%
We handle the beesywork.
Five deposits, three conversions, one tap. You approve once and we do everything behind it.
Where does the interest come from?
Other people borrow your dollars, and they pay to do it.
Your dollars get lent to people who need to borrow, the same way a bank lends out deposits. They pay interest to borrow. That interest goes to you.
Take it in dollars, or in stock.
Your interest accrues in USDC. Convert it into tokenized stock like NVDA, AAPL, MSTR or SPCX, or keep it in USDC. The payout goes straight to your wallet.
Your deposit never moves. Only the interest is ever converted, so the dollars you put in stay working in the lending markets.
Tokenized shares are issued by xStocks and Backpack.
Built to protect your capital.
No pooled funds, no lockups, no apys contract in the middle.
Non-custodial
Your keys, your funds. We never hold or move assets without your explicit signature.
Audited markets only
apys has no smart contract of its own. Your USDC goes into third-party lending markets that have been audited by established security firms.
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.