Savings

Deposit enUSD or enCHF and earn a fixed 5% APR. Withdraw anytime. No lock, no cap, no conditions.

How it Works

Deposit your stablecoins into the Savings contract. Rewards accrue every second at a fixed 5% annual rate on your staked balance. You can withdraw your principal at any time with no penalty.

There is one Savings contract per stablecoin. Each operates independently.

Depositing

Deposit enUSD or enCHF directly, or use the zap to deposit with USDC, USDT, or ZCHF. The zap converts through Direct Swap and deposits in a single transaction.

Depositing resets your 24-hour claim cooldown.

Withdrawing

Withdraw any amount up to your full staked balance at any time. No lock period, no exit fee, no penalty.

When you withdraw, any pending rewards are saved to your account. They’re not lost. You can claim them later.

Claiming Rewards

Rewards accumulate every second. To claim them, you need to wait at least 24 hours since your last deposit. This cooldown exists to prevent flash loan exploits.

The cooldown only resets when you deposit. It does not reset when you claim or compound.

Once the cooldown has passed, you can claim as often as you want. Claimed rewards are minted fresh and sent to your wallet.

Compounding

Instead of claiming, you can compound your rewards back into your staked balance. This requires the same 24-hour cooldown as claiming.

Compounded rewards start earning immediately. Over time, compounding gives you a higher effective yield since your staked balance grows.

Parameters

All parameters are constants in the smart contract.