Savings
Money set aside
should be doing something.
Move any part of your balance into Savings and it starts earning that day. No notice period, no minimum, no term — you can move it straight back the moment you want it, and it never stops being yours while it is in there.
Rates are variable and not guaranteed. Your balance is not a bank deposit and is not covered by any deposit guarantee scheme.
The short version
One tap moves money in. One tap moves it back. In between it earns, and you keep the larger share of what it earns.
It earns from day one
Not from the first of next month, and not after a qualifying period. Money that arrives in Savings today is earning today, and it stops the moment you take it out.
It is still your money
Nothing about earning makes it harder to reach. There is no queue, no request and nobody to ask. If we ever made you choose between earning and getting to your money, we built the wrong thing.
Pockets count too
A pocket is money you set aside for something — a trip, next quarter's tax, a deposit. That is the same decision, so it earns on the same terms.
Where the money actually goes
We would rather tell you than have you find out. Money you put into Savings is not lent to us and does not sit on our books.
Into a public lending market
Your money is supplied to Aave — one of the largest and longest-running lending markets there is, open for anyone to inspect at any hour. Borrowers post more collateral than they take out, and the interest they pay is where your interest comes from.
On Base and Polygon
Two networks, chosen because they are cheap enough that the fee to move your money in does not eat the first weeks of interest. You never pick one; the app does, and you see a single balance either way.
Still in your name, the whole time
It is not pooled with other customers' money under our name, and it does not pass through an account of ours on the way. It goes from your account to the market and back, and only you can sign either leg.
Nothing happens without a signature
Putting money in and taking it out are both signed on your device. That is why we cannot do either for you — and it is also why we cannot do it to you.
The questions people actually ask
Where does the interest come from?
Around the world, people and businesses borrow dollars and pay interest to do it. Money you put into Savings joins the pool that lends to them, and you receive a share of what they pay. It is the same reason a savings account pays you anything at all — the bank lends your deposit out. The difference is that a bank keeps most of the interest and hands you a fraction, and we tell you exactly what our share is.
Is my money locked up?
No. There is no notice period, no minimum, no term and no penalty. Move it back, spend it, send it — whenever you want, in full, in the same tap. You will not see two balances, because you do not have two balances.
When do I get the interest?
Continuously. There is no payment date and no monthly credit — the amount under your Savings balance is what has been earned so far, and it is already yours. Nothing has to be claimed and nothing is held back until a cut-off.
Do Pockets earn as well?
Yes, and at the same share as Savings. A pocket is money you decided to set aside for something — a trip, next quarter's tax, a deposit — and that decision is the same one you make when you move money into Savings, so it is priced the same way.
Can HOLD take my money?
No, and this is not a promise — it is how it is built. Your money stays in your own name the entire time and every withdrawal is signed on your device. We can help it start earning, and that is the only thing we can do with it. There is no button on our side that moves your money to us, because we never built one.
What if HOLD disappears tomorrow?
Your money is not ours to lose. It sits in your name in a public lending market, and you keep the keys to it. If we vanished overnight you would still be able to reach it without us.
Is the rate guaranteed?
No. It moves with what borrowers are paying, the same way any savings rate moves. We show you the current rate in the app, and it can go up or down. That is also why there is no rate printed on this page — a number here would be out of date by the time you read it. Nobody who guarantees you a fixed return on this kind of product is telling you the truth.
Can I lose money?
It is not a bank deposit and it is not government insured, so it is not risk-free — no honest product page would say otherwise. Your balance is held in dollars, so it does not swing with the price of anything. The risk is that the lending markets we use fail in some way. We only use large, long-established ones, and you can move everything back to plain dollars whenever you like if you would rather not take that risk at all.
How we make money here
Your Savings balance earns interest. We keep a share of that interest and you keep the rest. We never take a share of the money itself — only of what it earns, and only while it is earning. If it earns nothing, we get nothing.
You keep
85%
We keep
15%
of the interest — never of the balance
This is the cheaper of our two rates, because you did the work of moving the money. The balance you leave sitting in Main earns too, and costs you more, for exactly that reason — that number is on the Smart Account page.
Rates are variable and not guaranteed. There is no account fee, no minimum balance and no charge to move money in or out. The percentage above is everything we make on this product — there is no other charge and nothing further to look up.
Where this is available
Not everywhere. Rules on this kind of product differ from country to country, and in some places we cannot offer it at all. The app tells you plainly whether it is available to you before you move anything, and everything else in HOLD works either way.
This page describes the product and is not financial advice.