Earn up to 10% APY on your money
Arbor is a global retirement account designed to help people retire on time, on-chain.
Account Balance
$5,512.84
Deposit USDC and watch your money grow by the second with 10% APY.
Transactions
Our why
Your country’s currency is losing purchasing power every year. Your savings account won’t keep up. Arbor will.
Purchasing power estimates are based on historical CPI data sourced from the U.S. Bureau of Labor Statistics, the IMF World Economic Outlook Database, the World Bank, and the Bank of England’s historical inflation series.
How it works
How Arbor increases your money’s purchasing power
Deposit and earn automatically
We convert your money to USDC and route it to the highest live yield by default. No spreadsheets, no rebalancing.
Account Balance
$5,512.84
Highest rate by default
Arbor automatically moves your money to the next best strategy. No rebalancing needed.
Strategies
Steakhouse High YieldMorphoActive10.00%
Gauntlet USDC PrimeMorpho8.80%
Compound v3 USDCCompound7.50%
Aave v3 USDCAave6.20%
Spark USDCSpark5.40%
Rates may vary.
Visualize your growth
Scrub a one-year projection and watch your balance compound, month by month.
Earned details
See your earning breakdown and the future
Expected balance
1 year simulation
$6,064.12
+$551.28
Earning breakdown
Lifetime earnings
On Arbor
$137.42
USD
Your average rate
365d avg
10%
APY
Withdraw any time
Move your money to any external wallet or bank account. No minimums, lockups, or penalties.
Account Balance
$5,512.84
The rate landscape
Let the numbers speak for themselves.
Get up to 10% APY on your money with Arbor, compared to what the rest of the market gives you.
1%
Old Banks
2% - 4%
Neo-banks
10%+
Arbor
FAQ
Bank savings rarely keep up with inflation. On-chain yield can, but it works differently.
Questions about how Arbor earns, what can go wrong, or everyday use? support@arbormoney.co.
Deposit from your bank or wallet. Arbor converts to USDC and routes your balance to the highest live yield across vetted lending markets. You earn automatically while keeping a normal checking experience for sends, receives, and withdrawals.
DeFi earning means your dollars are supplied to on-chain lending protocols where borrowers pay interest. Arbor handles the routing, custody partners handle fiat rails, and you see a simple balance and APY in the app.
Traditional banks pay a small spread on deposits while lending at much higher rates. DeFi markets price borrow demand in real time, so savers can capture more of that yield. Rates move with market conditions and are not guaranteed.
Arbor works with licensed custody and payment partners, uses audited smart-contract venues, and limits exposure to curated strategies. You always hold USDC-denominated balances with transparent on-chain settlement for core savings actions.
Yield can fall if borrow demand drops. Smart-contract, counterparty, and stablecoin risks exist in any on-chain product. Arbor is not FDIC insured. Read our Terms for the full risk disclosure before depositing.
Interest and on-chain activity may be taxable depending on where you live. Arbor does not provide tax advice. Export your activity or talk to a qualified tax professional for guidance on reporting.
Most apps make you pick a rate or rebalance manually. Arbor optimizes yield in the background, keeps bank-like UX, and shows your purchasing power story upfront so saving feels like retirement planning, not crypto cosplay.
