🇺🇸 United States · Now rolling out

High-yield dollar savings,
coast to coast.

Earn up to 7% APY on USDC. Now live in California, Florida, Texas, with the rest of the country rolling out. Deposit by card, bank, or cash at 50,000+ Coinme locations.

3/50
States live
94M+
Americans covered
50k+
Cash locations
Availability map
Live Soon
Click a state to see local rates, taxes and FAQs.
Powered by Coinme Partner licensed in 48 states Built on Polygon Non-custodial Cash on & off ramp
How it works

From your state
to 7% APY in minutes.

01

Pick your state

Check availability, tax details and local FAQs. Live in 3 states, more opening every month.

02

Deposit dollars

Use your debit card, bank account, or cash at 50,000+ Coinme locations nationwide.

03

Earn every day

Your dollars become USDC and start earning 7% APY. Withdraw anytime, no lock-up.

Best states to earn

9 states, zero state income tax.

In these states every dollar of yield is only taxed federally. On $10,000 at 7% APY that's $700 a year, versus $45 in an average bank savings account.

$10,000 saved for one year
Average US bank savings+$45
Coinstancy Dollar Savings+$700
16x
more than a bank
$10
minimum deposit
24/7
withdrawals

Illustrative. Rates are variable. Federal taxes apply in all states. Not tax advice.

FAQ

Coinstancy
in the US.

More questions? Talk to us or visit the Trust Center.

Which US states is Coinstancy available in?
Coinstancy is currently live in California, Florida, Texas and rolling out to the rest of the country state by state. Every other state page has a waitlist so you can be notified the day we open.
Who handles my US dollar deposits?
USD deposits and withdrawals are processed by Coinme, a licensed money services business operating in 48 states. Coinstancy never holds custody of your funds: they stay in your own wallet.
Is the yield guaranteed?
No. Yields come from on-chain lending markets and are variable. Our Dollar Savings pool has historically paid between 5% and 9% APY. Past performance does not guarantee future results.
How is the yield taxed in the US?
Yield is generally treated as ordinary income at the federal level. State treatment varies: nine states have no income tax at all. Each state page details the local rules. This is not tax advice.
🇺🇸 Live in CA, FL, TX · more soon

Your dollars deserve better
than 0.45%.

Live in California, Florida, Texas. Open an account in under 5 minutes, or join your state's waitlist.