Earn 3.55%
on your savings.
Put your money to work in tokenized US Treasury bonds that pay 3.55% a year — invest any amount you like. Interest accrues every single day, there's no lock-up, and you can withdraw whenever you want.
A rate that beats the bank
Most bank savings accounts pay around 0.5%. Finhattan puts your cash to work at 3.55% a year — a real difference on real money.
Interest that compounds
You earn every day, not once a month or once a quarter. Watch your balance tick up so you can actually see your money growing.
No lock-up, ever
Your money stays yours. There are no minimum terms and no early-withdrawal penalties — move your cash out anytime you need it.
Earn 3.55% interest on your savings
Cash sitting still is cash losing value. Between inflation and the near-zero rates most banks pay, the money in a typical checking or savings account quietly shrinks every year. Finhattan gives your everyday balance a job: a high-yield savings option that pays 3.55% a year, backed by US Treasuries — some of the most trusted, liquid assets in the world.
The idea is simple. When you keep cash in Finhattan, it can earn a competitive rate without you doing anything special. No paperwork, no chasing promotional teaser rates that expire in three months, and no fine print that claws back your interest. You keep the full rate — we don't skim a cut off the top of what you earn.
Tokenized US Treasury bonds — invest any amount
Your 3.55% comes from tokenized US Treasury bonds: short-term US government debt, the same instruments money market funds and large institutions rely on to hold cash safely, made available right inside Finhattan. You can put in any amount you like — no minimum and no maximum — and your balance stays flexible instead of being tied up in a long-term product. It isn't a gimmick; it's simply the return the market pays for lending to the US Treasury, passed straight to you.
- Invest any amount you want — no minimums, no tiers
- Backed by short-term US Treasury bonds, not risky lending
- Interest accrues daily so your earnings are always current
- Withdraw the full amount at any time, with no penalty
Daily accrual, no lock-up, withdraw anytime
The best savings rate means nothing if you can't touch your money. That's why Finhattan pairs a strong 3.55% rate with total flexibility. Interest is calculated and added daily, so the longer your cash sits, the more it earns — but you're never locked in. Need to pay rent, cover an emergency, or move money into an investment? Withdraw instantly. Your savings behave like cash, but they finally pay like savings should.
Compare that to a certificate of deposit that traps your money for months, or a traditional savings account paying 0.5% while charging you fees. With Finhattan you get the upside of a high-yield account and the freedom of a checking account, all in one place.
Savings that connect to your whole financial life
Earning is just one part of Finhattan, the all-in-one financial super app. The same balance that earns 3.55% is ready the moment you want to do more with it. Move seamlessly from saving to investing in stocks, ETFs, and digital assets. Use your cash to send money to friends and family in seconds. Learn what's happening in markets on the social feed, and get answers about your money from the built-in AI assistant.
Instead of juggling a bank app, a brokerage app, and a payments app, Finhattan brings your saving, spending, investing, and everyday money decisions into a single, secure experience. Your savings don't sit in a silo — they're the foundation everything else builds on. Download the app, turn on savings, and start earning 3.55% on cash you're already holding.