Koinage vs Malta: Earn 8% APY with DeFi Usage & Stats

Earn 8% APY with Malta, the easiest way to work your money harder. Invest directly from your bank and earn 20x more interest. HOW IT WORKS When you deposit money from your bank, Malta automatically converts your US dollars to digital dollars (a stablecoin called cUSD). We put your dollars to work in lending markets seeking to provide you a protected base APY of 5%. At all times, your funds are protected by overcollateralization, typically 125-200%. Our lending partners include US regulated custodians such as Wyre & Genesis. Sit back and watch your money earn interest in real time, 24/7! SIMPLE INVESTING Link your bank account, set up a recurring deposit, or earn APY on the spare change from every day purchases. SAVE WITH BOXES Saving up for a vacation, new car, or home? Use Boxes to help you start saving saving towards your special goals. NO LOCK-INS Your money earns interest in real time, 24/7. You add funds or withdraw to your bank whenever you like, no probs. BOOST YOUR APY Earn more APY with our special in-app rewards, Boosts. Refer a friend and get +5% APY for 5 days when they make their first deposit. SAFE AND SECURE - Malta is a FinCEN registered organization. - We make lending secure by protecting your funds with overcollateralization, typically 125-200%. - Accounts on Malta 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 Stripe , to ensure secure deposits and withdrawals. - Our partners include US regulated custodians Wyre & Genesis, who safely manage over $5 billion in assets. LEARN MORE https://www.maltafinance.org