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USDM~5%USDL~5%syrupUSDC~4.84%USTBL4.11%CB-USDC~4%YLDS~4%JUP-LEND~4%mTBILL~4%MORPHO~4-8%USDN~4%sfrxUSD~4.1%AAVE-USDC~3.8%SPARK~3.6%BUIDL~3.59%JTRSY~3.59%USDY~3.55%OUSG~3.53%sUSDS~3.52%

Where can my money earn more than in a savings account — with crypto, and how safe is it?

Your money can do more.

Tokenized bonds, digital dollars, real estate and stocks — compared in plain words, with the risk next to every number.

Typical savings account
2%
per year, deposit-insured
Safest tokenized option today
4.11%
Spiko US T-Bills Money Market Fund

Not guaranteed · Jul–Aug 2026

What should your money do?

Pick one. We show you three options to start with.

🏦 Earn interest, keep it safe

Three options to start with

Jul–Aug 2026

These funds hold short-term US government bonds. The rate moves with US interest rates.

01 · USTBLSpiko (SICAV, France)
Spiko US T-Bills Money Market Fund
Pays per year
4.11%
How safe?
Very safe
Minimum
€1 (≈$1,000 practical)
For
Retail (EU)
What you own & how to buy ›
02 · mTBILLMidas
Midas mTBILL
Pays per year
~4%
How safe?
Safe
Minimum
No minimum
What you own & how to buy ›
03 · USDYOndo Finance
Ondo US Dollar Yield
Pays per year
~3.55%
How safe?
Very safe
Minimum
~$50 (secondary market)
What you own & how to buy ›

Three things to know before you buy.

1 · A stated yield is not a paid yield
9.82%
RealT · stated rent
≈0%
actually paid since Feb 2026

Where payouts are on-chain, we measure them — and tell you when they stop.

2
More yield means more risk.

A fund of US government bonds pays less than a property token — because it is much less likely to go wrong.

3
You need a wallet or an account.

Some tokens you buy in a crypto app, others directly from the issuer — often after an ID check. Each token page explains how.

New to this? Start here.

What is a tokenized money market fund?

The closest thing to a savings account on a blockchain, explained.

Read ›
Which tokens pay the most right now?

Computed from live data, with the risk next to every figure.

Read ›
What if the payouts stop?

What happened at RealT, and seven checks before you buy real-estate tokens.

Read ›
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Bonds, funds & stablecoins · 44