High-yield dollar savings,
coast to coast.

Create your account Find my state
28/50
States live
281M+
Americans covered
50k+
Cash locations
Availability map
Live Soon
ALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWY
Click a state to see local rates, taxes and FAQs.
USD on/off-ramp by Coinme On-ramp partner licensed in 48 states Built on Polygon Withdraw anytime Cash on & off ramp

From your state
to 7.50% APY in minutes.

01

Pick your state

Check availability, tax details and local FAQs. Live in 28 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 are converted to USDC and added to Dollar Savings. Then they earn the current fixed 7.50% APY, with interest added every second. You can request a withdrawal at any time, with no lock-up.

Find your state.

Available Coming soon
Northeast
4/11 states live
Connecticut Soon Delaware Soon Maine Soon Maryland MD Massachusetts MA New Hampshire Soon New Jersey NJ New York Soon Pennsylvania PA Rhode Island Soon Vermont Soon
Southeast
9/12 states live
Alabama AL Arkansas Soon Florida 0% TAX Georgia GA Kentucky KY Louisiana LA Mississippi Soon North Carolina NC South Carolina SC Tennessee 0% TAX Virginia VA West Virginia Soon
Midwest
7/12 states live
Illinois IL Indiana IN Iowa Soon Kansas Soon Michigan MI Minnesota MN Missouri MO Nebraska Soon North Dakota Soon Ohio OH South Dakota Soon Wisconsin WI
Southwest
3/4 states live
Arizona AZ New Mexico Soon Oklahoma OK Texas 0% TAX
West
5/11 states live
Alaska Soon California CA Colorado CO Hawaii Soon Idaho Soon Montana Soon Nevada 0% TAX Oregon OR Utah Soon Washington 0% TAX Wyoming Soon

9 states, zero state income tax.

In these states every dollar of yield is only taxed federally. On $10,000 at 7.50% APY that's $750 a year, versus $45 in an average bank savings account.

AKAlaska FLFlorida NVNevada NHNew Hampshire SDSouth Dakota TNTennessee TXTexas WAWashington WYWyoming
$10,000 saved for one year
Average US bank savings+$45
Coinstancy Dollar Savings+$750
17x
more than a bank
$10
minimum deposit
48h
normal settlement

Illustrative example: $10,000 over one year at the current fixed APY of 7.50% (reinvested interest is already included in the APY), compared with a 0.45% bank savings rate, assuming both rates stay unchanged. Rates can change. Federal taxes apply in all states. Not tax advice.

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 Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin 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. Coinme provides the on-ramp and off-ramp only; it does not manage Savings or its yield. Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies.
Is the yield guaranteed?
No. The APY shown is the fixed rate currently in force. It may be revised as market conditions evolve; a new rate applies to existing balances as well as new deposits. Yields come from on-chain strategies, which carry stablecoin, protocol, liquidity and network risks.
How long does a withdrawal take?
You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
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.

Your dollars deserve better
than 0.45%.

Create free account Find my state