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Earn 7.50% APY on your dollars in Massachusetts

Start earning in Massachusetts See all pools
Flat 5% income tax Withdraw anytime Min. deposit $10

$10,000 saved for one year in Massachusetts

US national average bank savings rate
+$43
0.45% APY · after 5% state tax
Coinstancy
Dollar Savings (USDC)
+$713
7.50% APY · after 5% state tax

Illustrative example over one year at the current fixed APY (reinvested interest is already included in the APY), assuming both rates stay unchanged. Rates can change. State-level tax shown; federal taxes apply in all states. Not tax advice.

Savings pools available in Massachusetts

USDC
Dollar Savings
USDC
7.50%
APY · USDC

Earn a fixed APY on USDC through on-chain strategies selected and monitored by Coinstancy.
ETH
Ethereum Savings
ETH
3.80%
APY · ETH

Generate yield on your ETH exposure through audited liquid staking and lending strategies.
BTC
Bitcoin Savings
BTC
0.90%
APY · BTC

Put your BTC exposure to work with lending-based yield strategies, while keeping your Bitcoin exposure.
SOL
Solana Savings
SOL
4.70%
APY · SOL

Earn yield on SOL through Solana-native liquid staking and selected DeFi protocols.

Why Massachusetts savers choose Coinstancy

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Flat 5% income tax

Massachusetts has a flat 5% income tax (plus a 4% surtax above $1M).

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Licensed on-ramp in Massachusetts

USD deposits and withdrawals are processed by Coinme, licensed under the Massachusetts Division of Banks. Coinme handles the on-ramp and off-ramp only; Savings and its yield are managed by Coinstancy.

MA

Built for the Bay State

Boston’s universities and fintech scene (Circle, issuer of USDC, started here) make MA a natural fit.

Serving all of Massachusetts

BostonWorcesterSpringfieldCambridge

Massachusetts FAQ

Is Coinstancy available in Massachusetts?
Yes. Massachusetts residents can open a Coinstancy account today. Deposits in US dollars are handled by our on-ramp partner Coinme, which is licensed in 48 US states including Massachusetts.
How much can I earn on my savings in Massachusetts?
Our Dollar Savings pool currently pays 7.50% APY on USDC, versus a national average of about 0.45% for traditional savings accounts. 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.
How is yield taxed in Massachusetts?
Massachusetts has a flat 5% income tax (plus a 4% surtax above $1M). Yield is generally treated as ordinary income at the federal level. Consult a tax professional for your situation.
Who regulates crypto and money transmission in Massachusetts?
Money transmission in Massachusetts is overseen by the Massachusetts Division of Banks (DOB). Our on-ramp partner Coinme holds the required state licenses for USD deposits and withdrawals; 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.
Can I withdraw to my Massachusetts bank account?
Yes. You can withdraw USD to any US bank account, or cash out at thousands of Coinme locations across Massachusetts, including in Boston, Worcester, Springfield. You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
What is the minimum deposit?
You can start with as little as $10. There are no lock-ups and no withdrawal penalties.

Coinstancy near Massachusetts

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