How It Works
Your Money, Explained Simply
Understand exactly how your funds are held, protected, and put to work. No jargon, just clear answers.
How Your Money Flows
Deposit
Send USD via wire or ACH to your account
Convert
Funds become digital dollars (USDC)
Earn
Allocated to institutional lending markets
Protect
Covered by licensed insurance up to $1M
Withdraw anytime — your funds remain fully liquid with no lock-up periods.
The Details
Click each step to learn more about how it works.
Your Secure Account
When you sign up, we create a secure digital account in your name. Only you can access and control the funds in this account — we cannot move your money.
Depositing Funds
Send USD from your bank account via wire transfer or ACH. Your funds are converted to digital dollars (USDC) — a regulated stablecoin backed 1:1 by US dollars.
How You Earn
Your digital dollars are allocated to institutional-grade lending markets where they earn yield from borrowers paying interest. Think of it like a high-yield money market, but for digital dollars.
Insurance Protection
Your deposits are protected by smart contract insurance from Chainproof, a licensed insurer. Coverage protects against technical failures and security vulnerabilities — up to $1M per account.
Withdrawing Funds
Withdraw any amount, any time. Your funds remain fully liquid — no lock-up periods, no penalties. Funds are converted back to USD and sent to your bank account.
Important Things to Know
This is not a bank account
0 Finance is not a bank and your deposits are not FDIC insured. Instead, they are held in self-custody digital accounts and protected by smart contract insurance from a licensed insurer.
Yield is variable
The interest rate you earn fluctuates based on market conditions. Current rates are 4-7% APY, but this can change. We display your actual yield in real-time on your dashboard.
Insurance has limits
Smart contract insurance covers technical risks up to $1M per account. It does not cover market risks, regulatory changes, or stablecoin depegging events. Full terms here.
You control your funds
Your account is self-custody. 0 Finance cannot access, freeze, or move your funds without your authorization. You have full control at all times.
Ready to Start Earning?
Open an account in under 5 minutes. No minimums, no lock-ups.