Spend the interest.
Never touch your savings.
Deposit stablecoins, earn lending interest on Robinhood Chain, and pay with a card that draws only from what you earn.
Four moves. One direction.
Your deposit goes to work in a lending market. Only what it earns ever reaches your card.
Deposit
Send USDG. It is supplied to a lending market and recorded as your principal.
Accrue
Interest builds continuously, block by block, on top of what you put in.
Spend
The card draws only from interest, never from your own deposit.
Withdraw
Take your full deposit back to your wallet whenever you want, one to one.
Principal is never spendable.
Two balances, kept apart by the contract itself. If a read fails, spendable reads zero.
Yours. Withdraw anytime. The card can't reach it.
Grows every second. This is what the card spends.
Locked is not risk free.
Your deposit can't be spent by the card, but it is supplied to a lending market and carries that market's risk.
What is protected
- +Prefunded cardNo path from a purchase to your deposit.
- +Withdraw anytimeOnly you can move your principal. No lock-up.
- +No admin keyNo pause can trap a withdrawal.
- +VerifiableThe vault is public. Every cent is on the explorer.
What is not
- !Market riskThe lending market your deposit is supplied to can fail.
- !Chain riskRobinhood Chain, an Arbitrum Orbit rollup, is young infrastructure.
- !Rate movesThe earned rate is whatever the market pays. The bonus can end.
- !Stablecoin riskUSDG, issued by Paxos, is a stablecoin, not a bank deposit.
For people who'd rather not spend their savings.
- /aSubscriptionsNetflix, Spotify, your phone bill — paid by interest instead.
- /bSaversStablecoins sitting still can quietly pay their own way.
- /cThe principledPeople who never touch the pile and live on what it earns.
- /dAnyone tired ofwatching a balance go down every month. Flip it.