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Available in Texas

Earn 7% APY on your dollars in Texas

High-yield digital-dollar savings for Lone Star State residents, from Houston to San Antonio. No lock-ups, no hidden fees, withdraw anytime.

Start earning in Texas See all pools
No state income tax Regulated by TDOB Min. deposit $10

$10,000 saved for one year in Texas

Texas has no state income tax. Your stablecoin yield is only taxed federally.

Average Texas bank savings account
+$45
0.45% APY · after 0% state tax
Coinstancy
Dollar Savings (USDC)
+$700
7% APY · after 0% state tax

Illustrative only. Rates are variable. State-level tax shown; federal taxes apply in all states. Not tax advice.

Savings pools available in Texas

USDC
Dollar Savings
USDC
7.00%
APY · Very Low risk

Earn stable yield on USDC through curated DeFi strategies, with OpenCover insurance included.
ETH
Ethereum Savings
ETH
3.80%
APY · Low risk

Generate yield on your ETH holdings through secure, audited DeFi staking and lending strategies.
BTC
Bitcoin Savings
BTC
0.90%
APY · Low risk

Optimise your BTC holdings with low-risk yield strategies, earn while keeping your Bitcoin exposure.
SOL
Solana Savings
SOL
4.70%
APY · Low risk

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

Why Texas savers choose Coinstancy

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No state income tax

Texas has no state income tax. Your stablecoin yield is only taxed federally.

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Licensed in Texas

USD deposits and withdrawals are processed by Coinme, licensed under the Texas Department of Banking. Your funds stay in your own wallet. We never take custody.

TX

Built for the Lone Star State

Texas hosts the largest Bitcoin mining industry in the world, a state Bitcoin reserve, and zero income tax.

Serving all of Texas

Whether you're in Houston, San Antonio, Dallas, Austin or Fort Worth, Coinstancy works the same. Fully online, open 24/7, cash-out at Coinme locations statewide.

HoustonSan AntonioDallasAustinFort Worth

Texas FAQ

Is Coinstancy available in Texas?
Yes. Texas 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 Texas.
How much can I earn on my savings in Texas?
Our Dollar Savings pool currently pays 7% APY on USDC, versus a national average of about 0.45% for traditional savings accounts. Rates are variable and depend on market conditions.
How is yield taxed in Texas?
Texas has no state income tax. Your stablecoin yield is only taxed federally. Yield is generally treated as ordinary income at the federal level. Because Texas has no state income tax, you only owe federal tax on what you earn.
Who regulates crypto and money transmission in Texas?
Money transmission in Texas is overseen by the Texas Department of Banking (TDOB). Our on-ramp partner holds the required state licenses, and Coinstancy never holds custody of your funds. They stay in your own wallet.
Can I withdraw to my Texas bank account?
Yes. You can withdraw USD to any US bank account, or cash out at thousands of Coinme locations across Texas, including in Houston, San Antonio, Dallas.
What is the minimum deposit?
You can start with as little as $10. There are no lock-ups and no withdrawal penalties.

Coinstancy near Texas

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Start earning 7% in Texas today

Open your account in under 5 minutes. No lock-ups. Withdraw anytime.

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