Donut is the easiest way to work your money harder & earn 8% APY. Invest directly from your bank and earn 20x more interest with the power of DeFi.
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 (stablecoins such as DAI).
We lend your dollars in decentralized money markets where they earn a guaranteed 4% APY, rising up to 10% depending on your strategy.
DeFi lending is highly collateralized, typically over 125%. This means your principal is always covered.
Our lending partners include institutional borrowers and trusted DeFi lenders such as Yearn & Anchor.
Sit back and watch your money earn interest in real time, 24/7 with the power of DeFi.
SAVE & EARN BETTER
Select your strategy:
• Save: 4% Fixed APY. Good for predictable saving.
• Build: 5-7% APY. Perfect for building your future nest egg.
• Grow: 8-10% APY. Designed for capital growth.
Add funds or withdraw to your bank at any time. There are no lock-ins or annual commitments.
Schedule Recurring investments and Collect your spare change from everyday purchases.
Invite friends and receive a +1% APY Boost for 30 days when they make their first deposit.
IS DONUT SAFE?
• Donut is a high-yield, fixed income product powered by DeFi lending.
• Lending on Donut is highly collateralized, typically 125-200%, meaning your principal is covered.
• 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 trusted lending partners include Yearn & Anchor, who safely manage over $10 billion in assets.
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