Your balance earns on its own with Ruvo
Deposit any amount and withdraw whenever you want. Earns up to 4.2% a year.
Three taps and you're earning
No extra sign-up, no paperwork. All inside the app you already use.
Up to 4.2% a year*, in dollars
Earnings are calculated every second and shown net. Don't have dollars yet? See how to buy them with no IOF.
No waiting until month-end to see the result.
Your balance is already in dollars. So are your earnings.
What you see in the app is what you get.
*Variable rate, set by market supply and demand. Figures are estimates at the current rate. See how it works in the FAQ. Go to the FAQ
It earns, but it's still your money
No terms, no minimums, no fine print when you withdraw.
Withdraw whenever you want. No minimum term, no penalty.
Start with $10 or $10,000.
Money returns to your Ruvo balance in a few minutes, ready to spend or send.
Fees and estimates show on screen before you confirm any deposit or withdrawal.
No one touches your money on your behalf, not even Ruvo.
*Typical timing. See details in the FAQ.
Frequently asked questions about Earn
Put your balance to work through onchain lending. Borrowers pay interest, and your deposited funds receive a share of it. You earn at a variable rate. Here are the full answers, including the risks.
How does my balance earn?
You choose how much of your balance to keep earning, and it earns up to 4.3% a year, calculated every second, with no lock-up period and no minimum. You watch your earnings come in, in real time, right in the app. The rate is variable: it can go up or down with supply and demand in the onchain lending market. When demand for loans is higher, the yield tends to rise; when it's lower, it tends to fall. That's why the figures you see are estimates at the current rate, not guaranteed. See more on the Yield page.
See more questionsIs Earn guaranteed?
No. It's not a bank deposit and the rate varies. In rare situations your balance can go down. See "Can I lose money?" below.
See more questionsCan I lose money?
Onchain lending carries risks. Collateral and other safeguards help manage them, but your deposited funds and returns are not guaranteed. Lending-market losses, technical issues, or changes in stablecoin value can reduce your balance, while limited liquidity can delay withdrawals.
See more questionsWhat happens if a loan becomes bad debt?
Bad debt can occur when a borrower defaults and the collateral recovered is not enough to repay the loan. The lending market may absorb the shortfall, which can reduce supplier balances. Collateral and liquidations reduce this risk but cannot remove it entirely.
See more questionsAre fees deducted from my earnings?
The displayed APY accounts for the lending vault's performance fees. These fees reduce your earnings and are separate from deposit and withdrawal transfer fees. Transfer fees and token conversion costs are not included in the displayed APY and can affect your overall return.
See more questionsIdle dollars don't earn. Start today.
Download the app, deposit any amount and watch your balance earn in real time.
