Innovative investing with a traditional mindset

PennyWorks is the way smart investors can earn more through digital asset lending, no crypto experience required.

The PennyWorks app with a womans hands

The low risk solution you've been waiting for

Collateralized digital asset lending allows investors to earn more than traditional financial products without the risk typically associated with cryptocurrencies.

We only lend specific stablecoins pegged to the US dollar, they are collateralized which creates a low risk environment, and loans can be recalled in real time which assures you have access to your funds when you need them.

High yields with low risk? We call that the joy of investing.

See the rocket fuel in action

Use our investment calculator to see how your money will grow.

and  4% to 6%  yields,
you could earn between
in one year.
This calculator is for information and reference purposes only. To view APY breakdown, please see our Rates.

Impossible yields.
Made possible.

See how PennyWorks stacks up to traditional low risk investment yields.

Yields Comparison
Interest Rate (APY)
Money Market Account
1-Year CD Account
10-Year Treasury Note
US BBB Corporate Bond
*APY is subject to change. To view APY breakdown, please see here.

How it works

Unlike traditional investing that asks a lot and gives you little in return, PennyWorks is built on a system that empowers you to get more of what you deserve — more earnings, more control and more access.

Here's how we do it:

We convert your US dollars into stablecoins pegged to the US Dollar so they avoid market volatility.
We lend those stablecoins out via collateralized loans which generate high yield with low risk.
You earn interest depending on how much you invest and the length of time between redemptions.
Learn more

Watch your investments grow on a secure platform

PennyWorks is a US-based company that is bound by US regulatory frameworks.
Multi-Factor Authentication (MFA) keeps your account and passwords secure.
Bank account credentials always remain secure through trusted encryption.
We use industry-leading cryptocurrency wallet solutions.

Real humans.
Real help.
In real time.

We’re committed to making sure everyone has the support they need to get the most from their hard earned money.

Have a question? Our support team is here to answer your questions anytime, and anywhere.
Reach out to us

Ready to take your investing to the next level?

Get started
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