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Institutional-Grade Savings For Everyone

    With Savings, you earn on the same asset you deposit: USDC, USDT, 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. Earnings are distributed through the Spark Universal Savings Rate (SUSR), which is periodically updated by governance based on returns generated by the Spark Liquidity Layer.

    • 02 - 04

      Withdraw anytime

      Withdraw your funds at any time in USDC, USDT, USDS, or ETH. The Spark Liquidity Layer ensures there is sufficient liquidity available to support withdrawals without slippage or 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 rewards and transaction history, and see projected rewards to inform you on how to adjust your strategy and plan the next steps. Access the full history of the Savings rate to understand how it evolves over time and stay informed on key trends.

    Transparent, automated yield — backed by Spark

    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 revenue 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 USDS

    USDC

    • COLLATERAL

      -

    • REVENUE

      -

    T-bills

    • COLLATERAL

      -

    • REVENUE

      -

    ETH

    • COLLATERAL

      -

    • REVENUE

      -

    wstETH

    • COLLATERAL

      -

    • REVENUE

      -

    cbBTC

    • COLLATERAL

      -

    • REVENUE

      -

    Others

    • COLLATERAL

      0.00%

    • REVENUE

      0.00

    Go to the Spark Data HubGo to the Spark Data Hub

    Security and audits

    Rigorous audits of the Savings code base help mitigate technological risks.

    Everything you
    need to know

    All FAQ’sAll FAQ’s

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    Connect and engage to help redefine the boundaries of what's possible with DeFi.

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    More about Savings

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