Trusted by $10B+ in deposits
Sky Money (built on the MakerDAO system) and Aave are two of the most established and trusted platforms in decentralized finance, with strong track records of security, resilience, and transparent operation. Together, they currently manage billions of dollars in deposits, with MakerDAO securing over $6 billion and Aave holding over $10 billion in user-supplied assets, reflecting the confidence users place in these protocols. Both platforms have operated for years without loss of user funds due to protocol failure, supported by rigorous audits and active risk management.
Withdraw 24/7, no lockups
There is no lock-up period — you have full flexibility to withdraw any amount of you funds and accumulated earnings at any time. Withdrawals are available 24/7, giving you constant access to your balance without restrictions or waiting periods.
Your returns accumulate every second
Interest on your deposit accrues and compounds automatically every second, so your balance grows continuously no matter the amount deposited. This interest accumulation doesn’t trigger a taxable event at the time it’s earned, as the value of the underlying assets isn’t realized until you withdraw or use the funds.
No principal loss, doesn't mean no risks
These money market assets are designed for principal stability — your balance doesn’t fluctuate in value like volatile investments, and they aim to preserve your funds while earning variable interest. While the APY (annual percentage yield) may change over time, your principal isn’t exposed to market price swings. However, this doesn’t mean there’s no risk: these assets aren’t insured, and although service providers have strong track records with no history of losses, the possibility of loss still exists. Never deposit more than you're willing to loose.