Do more with your money

Enjoy 50x better interest
than a savings account*.

Earn 4% APY through decentralized lending and liquidity pools. You deposit, we lend on your behalf, and you keep the interest. Unlimited free withdrawals and no fees. Grow your money without locking it in.

*Comparison based on data from ValuePenguin.

Multiple markets
Compounded & paid every second
Unlimited free withdrawals

MyConstant vs Savings Accounts

Savings accounts
Interest rate
4% APY
Up to 1.7% APY*
Every second
Every 1-12 months
Up to $15
US only
Minimum balance
Up to $2,500
FDIC deposit insurance

* Data taken from first 100 results on and correct as of April 29, 2020.

Why invest with us?

Immediate growth
Immediate growth

4% APY on all deposits. See your earnings reflected immediately.

Zero downtime
Zero downtime

Earn 4% APY between fixed-term investments. Compounded and paid every second.

Unlimited earnings
Unlimited earnings

No maximum deposit, no maximum term. Invest from just $10 and withdraw anytime.

Withdraw anytime
Withdraw anytime

To any local bank account or wallet address, as often as you like.

How to invest

Deposit your funds
Deposit your funds

Create your deposit order and then transfer your funds in USD or a supported stablecoin. If you send a different fiat currency, we’ll convert it for you.

Earn 4% APY
Earn 4% APY

Your funds supply liquidity to decentralized exchanges and lending pools. In return, you earn 4% APY, compounded and paid into your account every second.

Watch your money grow
Watch your money grow

Your balance compounds and increases every second. So no downtime, no wasted earnings.

MyConstant partner paxos
MyConstant partner gemini
MyConstant partner trust token
MyConstant partner neutralg
MyConstant partner circle
MyConstant partner stably

We want to make sure that anyone who is considering or ready to make an investment decision — at all hours of the day — can easily access all relevant information to feel secure in making the decision.

Zon Chu
MyConstant CEO
Forbes writes about MyConstant
CoinSpeaker writes about MyConstant
Entrepreneur writes about MyConstant
Inc writes about MyConstant
Hacker Noon writes about MyConstant
Zero Hedge writes about MyConstant
Yahoo finance writes about MyConstant
Techbullion writes about MyConstant
ZyCrypto writes about MyConstant
Tech Worm writes about MyConstant
Block ONOMI writes about MyConstant
End The Chain writes about MyConstant

Our Press

Our high-yield, collateral-backed investments have gotten a lot of press. Click View press below to find out what finance’s most respected publications think about us.

Frequently-asked questions (FAQs)

Here you'll find answers to the most common questions our customers ask. If you can't find your answer here, please email us at and we'll be happy to help you.

To deposit into your MyConstant account, click Make a deposit from your Accounts page or visit the deposit page directly.

Choose how much you want to deposit and then click Deposit now.

On the next screen, you can choose from three deposit methods. We support ACH transfers for linked US accounts up to $5,000, and wire transfers which are unlimited.

Choose the appropriate deposit method and then follow the on-screen instructions. If you don’t have a linked US bank account, you can set one up using the on-screen link.

Once we receive your deposit, which may take 1-5 business days depending on the method you choose, your balance will update within 1 business day.

Please note, non-diamond members are only allowed to have 1 active ACH transfer active at a time.

Please read our service times for more information.

Your balance earns 4% APY by default through Instant-access investing, our anytime-withdrawal investment account. If you’d prefer not to use Instant-access investing, you can disable it from your Accounts page (under Accounts detail).

Disabling Instant-access investing means your money will remain with Prime Trust, our accredited US custodian, who will store your funds across multiple insured bank accounts to an aggregate limit of $130,000,000. You will be able to withdraw uninvested funds at anytime for free, but you won’t earn any interest on your balance.

We currently support ACH transfers for linked US accounts up to $5,000 per transaction, and wire transfers which are unlimited.

In the interest of security, we’re in the process of moving all cash management to our custodial partner, Prime Trust. This means in the future we won’t need to handle your funds at all.

However, we’re somewhat limited by the deposit methods Prime Trust accept, and it’s likely Zelle will be phased out in the next few months.