Earn DeFi yield on idle stablecoins.

Put your idle USDT / USDC to work in vetted DeFi protocols. No lockup, no minimum. Withdraw anytime back to BankiPay.

Start earning Read the docs

What you get

Vetted protocols

Aave, Compound, Morpho — the audited, blue-chip DeFi protocols. No yield farms, no leverage, no meme coins.

No lockup

Withdraw anytime. Settles in 1 block on supported chains. No exit fees.

Segregated accounts

Your deposits are in a per-user vault. Not pooled. Always attributable to you.

APY shown live

Refreshed every block. Variable yield tracks underlying protocol rate.

Custody by qualified custodians

Crypto custody split 50/50 between Fireblocks and Anchorage. Not a hot wallet.

4 chains

Ethereum, Polygon, Arbitrum, Base. Switch with one click.

In practice

Personal · Priya · designer with idle USDT

Priya has 8,000 USDT she's saving for a house deposit. Instead of 0% in a bank, she puts it in Banki Earn. At 4.2% APY (current Aave rate) she earns ~$28/month. Withdraws $2,000 in 2 minutes when she needs it.

4.2% APY

Live Aave USDC rate

At a glance

4.2%

USDC APY

Min deposit

Supported chains

Lockup