Real yield.
Paid every day.
Six yield products covering stablecoins, Bitcoin, and Ethereum. Up to 14.5% APY, compounded daily, paid into your USD balance every twenty-four hours.
Open free account
Pick your plan.
All APYs reflect daily compounding. Stablecoin principal is dollar-pegged; crypto principal moves with the market.
- Lock
- 14 days
- Min
- $100
- Risk
- Low
Short-lock stablecoin yield. Capital is dollar-pegged; only the yield rate varies.
- Lock
- 30 days
- Min
- $100
- Risk
- Low
Sweet spot for most investors. Higher APY with a manageable commitment.
- Lock
- 60 days
- Min
- $500
- Risk
- Low
Earn meaningfully more by extending your runway. Daily compounding adds up.
- Lock
- 90 days
- Min
- $1,000
- Risk
- Low
Our flagship plan. Highest APY in the platform on a fully dollar-pegged asset.
- Lock
- none
- Min
- 0.001 BTC
- Risk
- Volatile principal
Stake Bitcoin without giving up liquidity. Withdraw any time, yield accrues daily.
- Lock
- none
- Min
- 0.01 ETH
- Risk
- Volatile principal
Validator yield plus a Ulltimate Rewards liquidity bonus on top. No on-chain unstaking delay.
How compounding actually works.
APY (annual percentage yield) is the true annual return after compounding. A 14.5% APY plan calculates a daily rate of (1 + 0.145)^(1/365) − 1 ≈ 0.0372%. That tiny daily number gets added to your principal every 24 hours and tomorrow's yield is calculated on the new, larger balance.
$10,000 in the 90-day USDC plan at 14.5% APY → $343.85 of yield, paid in 90 daily installments. Net of the Pro plan's 1.0% withdrawal fee, you keep $340.
Yield is reflected in your balance the moment it lands — never delayed, never claimed manually. You can see every accrual in your transaction ledger and download a CSV for tax purposes any time.
Yields come from institutional lending desks, validator rewards, and on-chain liquidity — not promotional credits.
Compounding settles every 24 hours into your USD balance. Watch your account grow on a real timeline.
Flexible BTC/ETH plans for any-time exits. Locked USDC plans pay more. Pick what matches your horizon.
End-of-lock withdrawals settle in under an hour. Early exit on locked plans is allowed with a small fee (waived on Pro and Elite).
Understand what you are taking on.
Low-risk plans (stablecoin yield): principal is pegged 1:1 to the US dollar via reserves audited monthly by independent attestors. The main risks are (a) yield rate variability if institutional borrowing rates fall and (b) a stablecoin de-peg event — historically rare but possible. Ulltimate Rewards diversifies across USDC, USDT, and DAI to limit single-issuer exposure.
Volatile-principal plans (BTC, ETH): the yield is small relative to the price moves of the underlying asset. A 6.2% APY on Bitcoin is meaningful, but a 20% BTC drawdown in a quarter dominates the result. These plans suit investors who already want long-term crypto exposure and would otherwise leave the asset idle.
All yield is sourced from over-collateralised lending against blue-chip crypto, regulated proof-of-stake validators, and conservative liquidity provision. We do not lend to retail counterparties, do not run leverage on customer assets, and do not engage in proprietary directional trading with your funds.