The groundbreaking app that uses the magic of decentralised finance to help you grow your savings securely

No lock-in period

Deposit as little as $1 and start watching your money grow

Zero fees

Earn without paying any hidden costs.

No deposit limits

Start from just $1 to as much as you like.

Join the waitlist

No fees and minimum deposit amount

How it works

Deposit Funds

When you make a deposit with us, your money is converted to UST – a stable currency paired 1:1 with the US dollar.
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UST is one of the world’s most used stablecoins. As it’s a decentralised currency, it can be used for all kinds of exciting activities to grow your money – all while tracking the price of the US dollar.

Watch your money grow instantly

We use Anchor Protocol to offer you outsized returns on your funds. Anchor is a groundbreaking financial platform that lets users borrow and lend money with a fixed interest rate target. It’s built on the Terra blockchain.

‍⚠️ Borrowers must provide collateral so funds can always be recovered in case the loan defaults.

Earnings are deposited in real time and you can watch your money grow on your mobile screen. The longer it stays in your account, the more it will grow!

Withdraw your money whenever you want, free of charge

You can withdraw your money directly through the app at any time with zero fees or transaction costs.
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The money will arrive in your account within 48 hours of your request – this is the maximum amount of time we need to convert your money and process the transaction. It usually takes a lot less ;)

Join the waitlist

Join to the movement and diversify your investments and make incredible gains with low volatility.

Join to the movement and diversify your investments and
make incredible gains with low volatility.

Enter the token revolution

token.com makes it easy to invest in decentralised finance safely. Open your account for free, deposit your reais, and start watching your money grow. With our app, you don’t need to get a quote, transfer your funds, create multiple accounts, manage complicated cryptographic keys, or pay withdrawal fees – we make it easy to invest in the token economy.

Frequently asked questions

What is token.com?

token.com is a cryptocurrency investment app. We use a digital wallet and peg deposited funds to the US dollar, then leverage decentralised finance to earn yield for our users. We pay out an estimated return of 12% per year. token.com is designed to make it easy to deposit money and earn a stable return.
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token.com is an investment app for getting exposure to the cryptocurrency-powered token economy. We use a digital wallet and peg deposited funds to the US dollar, then leverage decentralised finance to earn yield for our users. We pay out an estimated return of 12% per year. token.com is designed to make it easy to deposit money and earn a stable return.

Who created token.com?

token.com was founded by Mel Gelderman and David Hoggard, two veterans of the cryptocurrency space and the brains behind the popular Ethereum-based wallet Monolith. token.com is part of the Monolith Group, which is best known for pioneering one of the first mobile Ethereum wallets and embracing decentralised finance early on.
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Monolith created the world’s first decentralised Visa card and has launched in over 30 countries across Europe. Based in London, the company participated in the Financial Conduct Authority’s regulatory sandbox and has been audited by Moore Global. Our team has years of experience in groundbreaking technology and is deeply immersed in the cryptocurrency space. Check us out via Linkedin.

OK, so you don’t charge any fees. What’s in it for you?

token.com takes a small cut of the returns generated from depositing funds in DeFi. You take the majority of the interest through our stable 12% rate.

How do you peg deposits to the US dollar?

We use a stable currency (or “stablecoin”) called TerraUSD (or “UST”) that tracks the price of the US dollar. As the name implies a stablecoin is a type of crypto asset that is designed to stay stable. Unlike Bitcoin and other digital currencies, it is not prone to price volatility, so it always holds its value. As UST follows the price of the US dollar, 1 UST always equals roughly 1 USD.

12% annualized returns seems high. How does token.com generate interest?

We leverage decentralised finance to generate attractive yields for our users. We provide an easy way to access the Anchor Protocol, the top decentralised finance application on the Terra blockchain. Anchor pays interest to users who lend out stablecoins to other users.
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On Anchor, borrowers must provide collateral with a higher value than their loan. That way, if they default, the collateral covers the loan and reduces the risk for stablecoin depositors.
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On Anchor, borrowers need to provide collateral that exceeds the value of their loan. That way, if they default, the collateral covers the loan and reduces the risk for stablecoin depositors.

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