Aave App

Savings for Everyone

Put your money to work, every second of every day.

The Aave app showing a $9,128.74 balance earning 6.25%.

Aave is not a bank.

Aave is built to help your money do more, while keeping
you in control at all times.

Put your money to work

Earnings made to compound.

Your earnings grow automatically, day and night, with no lock-ups and nothing to manage.

  • 6.00% APY + Boosts
    0.00%
  • Fintech
    0.00%
  • Banks
    0.00%

6.25% is the current interest rate for Aave App. 0.40% is the national average interest rate for savings accounts as posted on FDIC.gov, as of October 31, 2025. Rates may vary.

Trusted by a global community.

Six years of uninterrupted operation. Trillions supplied.
Growing year over year.

$10BCash deposits
230KAave monthly users
$1BTotal interest earned
Aave protocol metrics

Keeping your money safe.

Safety is built into every layer — from how loans are backed, to the
audits behind the code, and the protections inside the app.

Built for safety

Locked at every layer.

Face ID, Account Recovery, 2FA, and trusted devices.

Audit
Independently reviewed

Audited and audited again.

Independent audits including SOC 2 certification.

Step into the future.

$1,000.0324

Compounding 24/7/365

Every second counts.

Your balance grows every second on Aave.

TetherUSDTGHOGHOUSDCUSDC
Stablecoin Wallet

Supports Stablecoins.

Add and withdraw Stablecoins on Arbitrum.

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Future Projections

Visualize the power of compounding.

See how your money will grow over time.

$50
Your money, your rules

Withdraw anytime.

Access your savings whenever you need.

Simulate your savings.

Simulation

You’re earning an extra 0.25% APY by setting up monthly deposits totalling $1,000 or more.

Future Balance

$1,115,112.80
$745,112.80
Earned in 30 years
1.12M
929.26K
743.41K
557.56K
371.70K
185.85K
0

Today

30Y

Simulating a recurring 

monthly deposit of $1,000 at 6.25% APY

Rates may vary. Learn More.

How Aave earns you interest.

Deposit money and earn. Interest comes from people who borrow from the same pool — and they always put up more than they borrow, so your money stays fully secured.

Aave Users

Deposit money

Dollars or any supported assets.

Borrowers

Take loans

Lock up more than they borrow, then pay interest into the pool.

Earnings6.25%APY

FAQs

Aave App is a savings app designed to grow your savings by up to 6.00% per year, with Balance Protection for eligible balances and optional recovery features. Additional ways to earn more will be added in the future, allowing you to earn up to 6.25% per year by inviting friends.

Your funds are supplied to Aave, where they are lent to borrowers who pay interest — and you earn it. Unlike traditional bank savings, interest is compounded every second. Aave is a battle-tested protocol with over $24 billion in deposits, and markets are overcollateralized — borrowers must deposit more than they borrow, meaning your savings are backed by more value than is borrowed.

The Aave App Savings Rate consists of a Base Rate (currently up to 6.00% per year) and any additional Rate Boosts you can earn on top, which can add up to a total of 6.25% per year. Rates are variable, not guaranteed, and depend on region and account eligibility, subject to terms and conditions. Market conditions may increase or decrease the Base Rate over time. The Base Rate will never be negative.

Your account’s security is our top priority. Here are just a few of the many measures we take to make sure your funds remain secure:

  • Balance Protection for eligible customers, subject to terms and conditions
  • In the event you lose your password, we have an opt-in biometric recovery solution so you always have access to your funds
  • We allow you to set up 2 factor authentication for any important actions, such as withdrawing funds
  • The withdrawal whitelist function adds an extra layer of protection by permitting transfers only to approved addresses
  • Only you have access to your funds, not Aave, not anyone else
  • Our entire codebase has gone through extensive reviews by third parties

Balance Protection is an extra layer of protection for eligible balances held in the Aave App, subject to terms and conditions. It's designed to address certain loss events, such as security breaches or technology failures. The program is not yet active — full eligibility details will be shared at launch.

Balance Protection for eligible customers, subject to terms and conditions. Not insurance. Aave is not a bank.

Savings for everyone.

A completely new savings app, powered by Aave.

  1. An insurance-backed coverage program for defined loss events such as security breaches or technology failures. The program is not yet active. Final terms, policy limits, and eligibility criteria will be announced upon launch.
  2. 3.50% is the advertised interest rate for Cash App savings accounts as posted on cash.app, as of November 13, 2025.
  3. 0.40% is the national average interest rate for savings accounts as posted on FDIC.gov, as of October 31, 2025.
  4. 0.40% is the national average interest rate for savings accounts as posted on FDIC.gov, as of October 31, 2025.
  5. Bank connections are facilitated by Push by Aave Labs.