Your Money,
Your Control.
Save in USD, earn up to 6% APY.
No banks, borders, or middlemen.
Simple Savings
Self-Custody
You hold the keys — only you can access your savings
Stable USD Savings
Add funds in USD and earn up to 6% APY, automatically
Bank-grade Security
Encryption, multi-factor protection, and blockchain transparency keep your money safe 24/7.
Simple, Mobile-First Experience
Easy onboarding, instant balance tracking, and quick ways to add or withdraw money locally.
Deposit, Earn, Withdraw
Deposit with local methods.
Add Funds
Earn up to 6% APY automatically.
Earn Automatically
Withdraw anytime. No penalties.
Withdraw Anytime
Our Ecosystem
Security You Can Trust
Frequently Asked Questions
What is Sovra?
Sovra is a mobile USD savings account where your money stays fully under your control. Your balance grows at the current APY (Annual Percentage Yield) — similar to “interest” in a bank account, but generated through DeFi.
DeFi stands for decentralized finance — financial services built directly on the blockchain instead of going through banks. In Sovra’s case, your USDC is supplied to secure DeFi lending protocols (like Aave). Borrowers pay fees to borrow, and those fees flow back to you as yield.
What does APY mean?
APY stands for Annual Percentage Yield. It’s the projected yearly return if the current rate stays the same. Unlike bank interest, APY in Sovra comes from real-time DeFi activity, so it can fluctuate. The current APY is always shown in the app.
How is this different from bank interest?
Banks lend out your deposits and pay you a fixed, often very low, interest rate. Sovra earns you yield, which works like interest but is:
- Typically higher (~5% APY vs. <1% in many banks).
- Permissionless — deposit or withdraw any time.
- Self-custodial — you always control your funds; Sovra never holds your keys.
How do I earn yield?
When you deposit USD, it’s converted to USDC (a USD-backed stablecoin) and supplied to reputable DeFi lending protocols such as Aave. Borrowers pay fees for using that liquidity, and those fees are returned to you as yield.
Where are my funds held?
Your money is stored in your own self-custody wallet. Only you have access to your private keys — Sovra cannot touch or move your assets.
Can I withdraw anytime?
Yes. You can withdraw your funds at any time, without restrictions, penalties, or lock-ups.
How do I add funds?
You can deposit USD using local payment methods such as bank transfers, credit/debit cards, or other supported providers (depending on your region). Your funds begin earning yield as soon as USDC arrives in your wallet.
Is Sovra safe?
Sovra uses strong encryption, multi-factor authentication, and blockchain transparency. You stay in control of your assets at all times. For generating yield, we only work with established DeFi protocols with proven security track records.
What is the minimum deposit?
There’s no minimum. You can start saving with whatever amount works for you.
What does “Sovra” mean?
The name Sovra comes from a blend of sovereign and era. It reflects our vision of a new era of sovereign money — where people everywhere can take back control of their wealth, free from banks, borders, or middlemen.