Earning Yield
How your Senddy balance earns interest automatically.
How yield works
Every dollar in your Senddy account earns yield automatically. There's nothing to set up, no staking, no lockups, and no management required.
Your funds are held in a smart contract that deposits into battle-tested DeFi lending protocols. The interest accrues continuously and is reflected in your balance.
Current rates
| Traditional Bank | Senddy | |
|---|---|---|
| APY | ~0.01% | ~3-4% |
| On $1,000 | $0.10/year | $30-40/year |
| On $10,000 | $1/year | $300-400/year |
| On $100,000 | $10/year | $3,000-4,000/year |
Rates vary based on market conditions. Senddy always targets the best available yield from trusted protocols.
Key details
- No lockup — Withdraw your full balance at any time
- Continuous compounding — Yield accrues every second, not monthly
- Automatic — Nothing to activate or manage
- Private — Your yield earnings are not visible to anyone but you
How it works technically
Senddy uses an asset strategy system. When USDC is deposited into the pool contract, a portion is deployed to yield-generating strategies on trusted DeFi lending protocols. The strategy contract manages deposits and withdrawals, and the pool contract tracks each user's share of the total yield.
Your balance is represented as "shares" in the pool. As the pool earns yield, each share becomes worth more USDC — so your balance grows without any action on your part.