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Take your investing to new heights

Earn up to 8% APY on US dollars with no lock ups through collateralized digital asset lending.

Looking to earn yield on your business treasury? Get started
here.

Start earning
By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our Privacy Policy for more information.
The PennyWorks app
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Low risk exposure to digital assets

Our seasoned fixed-income and digital asset investment team understands how to effectively and securely reduce the risk of digital asset lending and create stable yields.

We navigate the markets so you don't need to.
View rates
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PennyWorks is perfect for:

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It’s easy and hassle-free

Sign up in less than five minutes.

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Investing without sacrifice

Welcome to a low risk, high-yield way to grow your wealth with no lock-up periods.

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Secure

We earn income from collateralized loans, one of the most secure forms of lending.

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Simple

Set it up and watch it earn. Access your money any time. No wallets – no hassle.

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Powerful

Earn up to 8% on your daily balance and experience the power of compound interest.

Ready to take your investing to the next level?

Get started