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 how and why of digital asset lending

How we incorporate stablecoin lending

At PennyWorks, we want to make sure your money is working harder for you. With decades of experience in fixed income strategies, we've built a system that delivers daily returns with low risk, through the use of Decentralized Finance (DeFi) lending platforms.

  1. Investors subscribe to PennyWorks Notes with US dollars.
  2. PennyWorks converts those US dollars into stablecoins pegged to the US dollar.
  3. Stablecoins are lent out via collateralized loans, which generate a high yield with low risk.
  4. Interest is earned based on the amount invested and the length of time between redemptions.

By leveraging the best of DeFi and traditional finance, we've cracked the code on how to effectively manage and reduce risk in the digital asset ecosystem.

Why we choose stablecoin lending

Stablecoin lending is one of the most low-risk investment opportunities in the digital asset space. Most lending activity is done on a collateralized basis across multiple lending protocols. These lending protocols liquidate loans that exceed their protocol’s Loan-To-Value (LTV) thresholds in near real-time to keep investors’ principal safe.

A. Lending protocols establish the collateralization requirements to reduce market risk.

B. When a borrower is not able to meet the collateralization requirements or their collateral value falls below the requirements, their position is liquidated.

This can happen quickly because the lending protocols hold the collateral, and they can use decentralized exchanges to liquidate the collateral within the same transaction, dramatically reducing market risk during the process.

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 our Rates.
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