Earn 6% on fiat and 4.5% on crypto — paid daily, no lock-ups.
A U.S.-regulated savings account built for crypto-forward investors. Institutional custody, transparent daily reporting, and interest that compounds automatically.
Powerful savings solutions, built for serious investors.
Open a savings account and start growing your money at attractive interest rates. Every cent of earnings is visible in your transaction history and remains fully accessible.
Earn 6% on fiat (USD, EUR, GBP & more) and 4.5% on crypto, credited to your balance every single day.
No lock-ups, no penalties. Your funds remain fully liquid and available on demand.
A U.S. MSB-registered platform with institutional-grade custody and continuous audits.
How it works
Set up a Savings Account in under 60 seconds on UEX US.
Fund your account with fiat or crypto — you start earning immediately.
Flexible (6% / 4.5%) or Personal Rate (higher APY). No hidden fees, ever.
Your balance grows every day and compounds automatically — withdraw anytime.
Automated daily savings
Your savings grow automatically every day — with full transparency and no lock-ups. Yields are powered by over-collateralized lending, not risky DeFi farms.
- U.S. MSB-registered & regulated
- Institutional custody with multi-sig cold storage
- Segregated customer funds & continuous audits
Why UEX beats banks
More yield. More flexibility. More control over your money.
Current annual rates
Interest is calculated daily and added to your balance automatically.
Elevated annual yields on select assets.
FAQ
Savings Rewards come from real revenue that your enrolled assets help generate. When you activate Savings Rewards, UEX puts enrolled assets to work in three ways — and only these three:
- Trade matching and spread. Not every trade on the platform needs to be executed on external markets. Because we hold enough total value to cover all user balances at all times, we can match many trades internally and earn the bid-ask spread, going to outside markets only to hedge our net exposure. More liquidity means more internal matching — and more revenue.
- Native staking. Proof-of-stake assets (like SOL, ATOM, and AVAX) are staked through our own or vetted third-party validators, earning network staking rewards. This is why select assets carry boosted rates.
- Over-collateralized lending. We fund crypto-backed loans on the platform. Every loan is secured by collateral worth more than the loan itself, and using Program assets instead of external credit lines means more of the lending revenue flows back to the Program.
A share of this revenue is paid to you as Rewards — calculated daily and added to your balance automatically.
What we can never do with your assets: spend them on company expenses, pledge them for our own debts, trade them for our own account, or transfer them to insiders. The permitted uses above are an exclusive list, written into Section 10 of our Terms of Service.
Your coverage. At all times, UEX maintains total value — deployed assets, loan collateral, and a liquidity reserve — of at least 100% of everything owed to all Savings Rewards users, so you can withdraw anytime with no lock-ups.
Know the risks. Savings Rewards is optional and only applies to assets in the balance you enroll. Rates are variable and can move up or down with market conditions. Program balances are not bank deposits and not FDIC or SIPC insured, and the permitted uses carry market, staking, and lending risk.
Full details: Terms of Service, Section 10.
Interest accrues daily based on your deposited balance and the current APY rate. It is paid out automatically to your account — no manual claiming required.
No lock-up periods. You can withdraw your funds at any time with no penalties. Your assets remain liquid throughout the earning period.
You can earn on major assets including USDT, BTC, ETH and other listed tokens. Rates vary by asset and market conditions — current APY rates are displayed in the Savings Rewards section for each asset.
UEX does not currently serve US residents. The platform operates under applicable international regulations. Always check the terms of service for your jurisdiction before depositing funds.
Sign up, make a deposit, and confirm your participation in Savings Rewards — and you're ready to start earning.