Put yourWealthto work
No spreadsheets, no decisions, no idle cash sitting
around waiting for you to remember it.
$0B+
Transactions through Axal
$0M+
Deposits in partner markets
0x
Average savings rate
Your Dollars. Earning daily.
Axal cuts out the middleman to give you competitive and safe yield on your dollars.
0.0%Earn up to — on your idle cash
Up to 10× higher than traditional savings accounts. No minimums, no waiting.
— APY$58.5001
Earned today
Yield Grows Automatically
Earnings auto-compound and accrue every second. Not every month or year.
Fund your account in seconds
Add funds instantly via Apple Pay, Google Pay or your card or choose from 500+ banks.
Withdraw anytime
No lock-ups. Your money, on your terms. Transfer out whenever you want.
Wait, how is this
rate possible?
We know the rate sounds nuts. Here’s exactly where the interest comes from — and why it’s you who gets it, not a bank.
Get the app0.00%
Current cash savings rate*
Rates are dynamic and subject to change. Axal has generally seen rates between 6-10%, but no number is guaranteed.
Deposit money
Dollars or any supported asset
Defi-lending
Take loans
Borrows against collateral, pay interest on it
The loop closes with you. Borrower interest flows back into your balance.
Savings Account
Take loans
Borrows against collateral, pay interest on it
The old way. The interest they pay stops at the bank
Fintech is already active
US-regulated institutions like Coinbase, Robinhood, and Morpho are already active in Defi-lending markets.
US regulation protects these markets
The GENIUS Act is signed federal law. Circle, the issuer of USDC, is publicly traded and regulated like a bank.
$13B+
Deposited across these lending markets which have existed over a decade.
See what you’re leaving on the table
Simulate your savingsEnter your starting amount, monthly contributions, time frame to see your projected growth.
Starting Deposit
Monthly Deposit
Time Period
$370,000.00
Current APY
Est. Earnings
Hold Bitcoin.
Earn on it too.
Buy Real Gold.
Earn yield on your idle BTC without selling, lock ups, or losing custody. Your BTC stays yours. It just stops sitting still.
Own physical gold bars and earn yield on them. No middlemen, storage fees, or giving up custody.
Hold Bitcoin.
Earn on it too.
Earn yield on your idle BTC without selling, lock ups, or losing custody.
Your BTC stays yours. It just stops sitting still.
Buy Real Gold.
Own physical gold bars and earn yield on them.
No middlemen, storage fees, or giving up custody.
Earn more. Pay less.
Axal offers best in class APY on cash. No lockups or minimums.
Best rate—What people are saying
"Heard of this app through X and it saves me 30 mins of looking through the best lending rates everyday (not to speak of better ux than most of these apps, why was doing just this much ever this difficult?)"
MaxV3rstapp3n
"so good. I was able to simply figure out my yield strategy and make BANK."
Kanishk Khurana
"The app is very clean and smooth. I really liked the experience depositing! It seems like the team put a lot of work in."
Ray Z.
"Love how simple this tool is, make crypto so much easier to interact with. if youre young, but dont have time, but want to grow your money passively Safe, simple, and easy, works in my lifestyle"
|gxlden|
"I moved my savings over in a weekend. The rate is better than anything my bank offered and withdrawals actually work when I need them to."
Priya S.
"The sleek Ul mixed with the simplified breakdown of what exactly is happening aith your money makes this one of the best HYSA apps I have seen. Clearly the developer had seen the frustruations of other apps and iterated upon those."
Calliemarie616
FAQs
Axal is a high yield savings app for dollars, Bitcoin, and gold that provides industry leading rates and protection. Traditional banks lend out your money and pocket the earnings - Axal passes interest straight back to you in real time, with no middlemen, lockups or hidden fees.
Download the mobile app on the App Store or Google Play. You can also use the web app by clicking Launch App at the top of this page.
Your funds are automatically allocated to tier-1, overcollateralized DeFi lending platforms. Axal continuously monitors and rebalances your portfolio to maintain APY targets and minimize risk. This is similar to what banks do with your money, but with code to enforce collateral rules and liquidations for efficiency and stability.
Absolutely. You can purchase assets directly through Axal, which supports debit cards and bank transfers. No prior crypto experience or separate wallet required. If you already own crypto, you can also transfer your existing USDC or Bitcoin to your Axal wallet.
Axal currently has 0 fees, charging users market quotes for Bitcoin and gold trades. This is less than half of the fees of leading centralized exchanges. Axal has no fees on yield generated and no fee on wallet-to-wallet transfers.
Contact us at support@axal.com, calling/texting +1 (781) 971-9463, or through the form in app.