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Institutional-Grade Savings

    With Savings, you earn on the same asset you deposit: USDC, USDT, PYUSD, USDS, or ETH. Collateral is composed of high-quality assets, supported by deep on-chain liquidity for efficient access at scale.

    Explore what Savings offers

    • 01 - 04

      Supply & earn

      Grow your non-custodial savings with real-time compounding. Supply stablecoins or ETH into Savings and earn yield on the same asset. Rates are set per vault based on underlying allocations: USD-denominated vaults track the Sky Savings Rate where feasible, while USDT vaults reference broader market rates. View allocations and collateral composition in the Spark App.

    • 02 - 04

      Withdraw anytime

      Withdraw your funds at any time in USDC, USDT, PYUSD, USDS, or ETH. The Spark Liquidity Layer ensures there is sufficient liquidity available to support withdrawals without additional fees.

    • 03 - 04

      Manage your savings

      View your assets balances, supply them to Savings, and stay in control of your on-chain finances. Swap supported stablecoins seamlessly, using Sky’s decentralized and non-custodial infrastructure.

    • 04 - 04

      Chart your growth

      Track your current positions and transaction history. Access the full history of the Savings rate to understand how it evolves over time and stay informed on key trends.

    Transparent, automated growth—backed by Sky

    When you supply assets to Savings, you receive sp tokens, representing your principal and accrued value. The rate is set by decentralized governance in the Spark ecosystem and may adjust over time. Rewards come from the supply generated by the Spark Liquidity Layer. You can redeem your assets at anytime for your original deposit plus rewards, with full control in this non-custodial solution..

    DEPOSIT

    EARNINGS

    Savings

    • Rate

    • TVL

    • users

    All assets collateralizing the Savings Vaults

    Stablecoins

    • Allocation

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    • supply

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    Onchain Crypto Lending

    • Allocation

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    • supply

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    Short Duration T-bills

    • Allocation

      -

    • supply

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    AAA Corporate Debt

    • Allocation

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    • supply

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    OTC Crypto Lending

    • Allocation

      -

    • supply

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    Others

    • Allocation

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    • supply

      -

    Private Credit

    • Allocation

      -

    • supply

      -

    Go to the Spark Data HubGo to the Spark Data Hub

    Security and audits

      Rigorous audits of sUSDS’s code base help mitigate technological risks.

    • Learn more

    Vaults Risk Assessment

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      Spark Savings vaults are assessed by Credora, an independent DeFi risk analytics provider.

    • View full report

    Everything you
    need to know

    All FAQ’sAll FAQ’s

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    More about Savings

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