Earn 6% APY with Donut, the easiest way to work your money harder. Invest directly from your bank and earn 20x more interest.

Supported by world class investors and featured in Forbes, TechCrunch, a16z and Coindesk.

HOW IT WORKS

When you deposit money from your bank, Donut automatically converts your US dollars to digital dollars (a stablecoin called USDC).

We put your dollars to work in lending markets seeking to provide you a protected base APY of 6%.

At all times, your funds are protected by overcollateralization, typically 125-200%.

Our lending partners include US regulated custodians such as Wyre & Genesis, and DeFi lenders Compound & Goldfinch.

Sit back and watch your money earn interest in real time, 24/7!

SIMPLE INVESTING

Deposit from your bank account, set up a recurring deposit, or round-up the spare change from every day purchases.

NO LOCK-INS

Your money earns interest in real time, 24/7. You add funds or withdraw to your bank with fast liquidity.

SAVE WITH BOXES

Saving up for a vacation, new car, or home? Use Boxes to help you start saving saving towards your special goals.

BOOST YOUR APY

Earn more APY with our special in-app rewards, Boosts. Refer a friend and get +6% APY for 6 days when they make their first deposit.

SAFE AND SECURE

- Donut is a FinCEN registered organization.

- We make lending secure by protecting your funds with overcollateralization, typically 125-200%.

- Accounts on Donut are not FDIC insured and therefore not zero-risk.

- We use the highest security standards: AES-256 alongside 2FA and personal PINs.

- We partner with industry leaders, Plaid and Evolve Bank & Trust (Member FDIC), to ensure secure deposits and withdrawals.

- Our partners include Wyre, Genesis, Compound & Goldfinch, who safely manage over $5 billion in assets.

LEARN MORE

https://www.donut.app