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Innovative investing with a traditional mindset
PennyWorks is the way smart investors can earn more through digital asset lending, no crypto experience required.
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.
- Investors subscribe to PennyWorks Notes with US dollars.
- PennyWorks converts those US dollars into stablecoins pegged to the US dollar.
- Stablecoins are lent out via collateralized loans, which generate a high yield with low risk.
- 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.
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Neither the Securities and Exchange Commission ("SEC") nor any federal or state securities commission or other regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by, or through, this Site. HybridFi is not registered, licensed, or supervised as a broker dealer or investment adviser by the SEC, the Financial Industry Regulatory Authority, or any other financial regulatory authority or licensed to provide any financial advice or services. HybridFi is not registered as an investment company under the Investment Company Act of 1940, as amended. HybridFi Lending LLC dba PennyWorks NMLS #2184982.
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