Many savings apps cap yields under 8 %. We go higher—with the same one-tap ease.
We Outperform
What is YieldClub?
YieldClub is a mobile app that makes it easy to grow your money with high yield powered by stablecoins. Think of it as a modern alternative to bonds or savings products - but with up to 12% APY, real-time compounding, and no lockups.
How does YieldClub compare to banks and bonds?
YieldClub offers 5-12% APY, credited in real time, and is fully liquid with no price fluctuations. - Banks / HYSAs: Banks offer between 0-4% APY paid periodically. - Bonds / Treasuries: Bonds lock up your money for months or years and fluctuate in price if you sell early. Yields range from 0-6% depending on risk level. - Other Alternatives (real estate crowdfunding, private credit): Typically 4-8% target yields, but illiquid, opaque, and has fees.
What are the main benefits?
- Higher Yield: Historically 5–12% APY, vs 3–5% with banks/bonds. - Liquidity: Interest compounds in real-time with no lockup terms. - Secure: Your account and all funds are held by you, not us. We route depositors to large, trusted lending platforms that have over $10 billion in deposits. - Simple Onramps: Add funds by bank transfer, debit card, or crypto, no subscription required.
How do I get started?
1. Download the YieldClub app. 2. Verify your email and set up your wallet. 3. Add funds and start earning yield immediately.
How can I add funds?
- Bank transfer (ACH) - Debit card - Crypto - transfer stablecoins (USDC) or connect your Coinbase account
How do I track my earnings?
Your dashboard shows live earnings credited every 16 seconds, plus your historical returns and withdrawal history.
What returns can I expect?
Yields vary with market conditions. Historically, rates range between 5–12% APY, far higher than savings accounts and more competitive than high-yield bonds and private credit funds.
How often is yield added?
Continuously. Your balance updates every 16 seconds, and earnings compound automatically.
Are there lockups or withdrawal delays?
- No lockups - withdraw principal and yield anytime. - Crypto withdrawals: Typically instant. - Bank withdrawals: Funds are released instantly after the standard 14-day security window for new deposits. This short hold is a security measure implemented by our third party payment partner to protect both you and the platform. After that, withdrawals typically take 1–3 business days to settle with your bank.
How does YieldClub generate yield?
Funds are routed into secure, large-scale DeFi lending protocols that generate returns from overcollateralized lending - similar to how traditional banks earn interest, but without the middlemen.
Is YieldClub safe?
- Protocols: We integrate with audited platforms managing tens of billions in assets. - Custody: Your funds stay in your own wallet (via Privy). YieldClub never takes custody. - Transparency: All yields and balances are visible on-chain.
Does YieldClub have a referral program?
Yes. Invite friends from the app to unlock rewards and boosted APY.
Where is YieldClub available?
YieldClub works in most countries. Funding methods (bank, card) may vary by region.
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Discover Smarter Yield
Traditional fixed income locks up your money. YieldClub lets you earn up to 12% APY with liquidity and built-in depositor protection.
