USDY Coin

USDY Wallet

USDY Wallet is an open-source, self-custody app that turns idle dollars into high-interest savings: earn roughly 4.25 % APY on fully backed tokens, swap instantly, and buy USDY with a bank card—download, swap, and earn today.

USDY Wallet

Get More With Your USDY Wallet

Use USDY on the go

Directly from your pocket – Send, Receive, Buy and much more with your USDY.

Private

We do not track any personal information of your USDY Wallet

Protected

Gem has no access to any of your data or USDY Wallet.

What Is USDY?

USDY is a yield-bearing, dollar-pegged token issued by Ondo Finance and backed 1-for-1 with short-term U.S. Treasuries and bank demand deposits. It credits around 4.25 % annual percentage yield (APY) straight to your wallet, giving you a crypto-native alternative to a high-interest savings account.

USDY Wallet Benefits

  • Open-Source & Self-Custody: USDY Wallet’s code is publicly auditable, and your private keys never leave your device—no sign-ups, no personal data.
  • Automatic Yield: Hold USDY or rUSDY and watch your balance grow daily—no staking, locking, or manual claims.
  • Institutional-Grade Security: Reserves are held with regulated custodians, mirroring the safety of Treasury money-market funds while you keep full control.
  • Easy On-Ramp: Buy USDY with a credit or debit card in seconds via Buy Crypto—all inside USDY Wallet.
  • One-Tap Swaps: Instantly swap USDY for rUSDY, stablecoins, or ETH without leaving the app.
  • Multi-Chain Flexibility: Use USDY across Ethereum, Mantle, Solana, Sui, Aptos, and Arbitrum with seamless in-app bridging.
  • Real-Time Analytics: Track yield accrual, on-chain attestations, and live gas fees directly in the dashboard.

Earn more on every dollar while maintaining complete privacy and control—USDY Wallet is savings, upgraded.

Frequently Asked Questions

USDY currently pays about 4.25 % APY, credited automatically on every token you hold and reviewed monthly by Ondo Finance.
Each USDY is backed by short-term U.S. Treasuries and bank demand deposits. The interest these assets earn is passed through to holders, so your balance grows in real dollars without crypto-market volatility.
USDY increases in price over time as yield accrues, whereas rUSDY keeps its price near one dollar and credits the yield by increasing the token count in your wallet. You can swap between them at any time with no slippage.
USDY was developed by Ondo Finance. Reserves are held with regulated custodians through Ondo USDY LLC, providing institutional-grade security and transparency.
Inside the USDY Wallet you can hold and transfer USDY on Ethereum, Mantle, Solana, Sui, Aptos, and Arbitrum, with seamless cross-chain swaps built in.

Download USDY Wallet

Start using USDY by following these 3 steps:

Download Now
onboarding view

1. Get Gem Wallet

Download Gem Wallet App for iOS or Android.

recovery phrase screen

2. Create A Wallet

Create a new wallet and store the secret phrase somewhere safe

receive crypto

3. Start Using USDY

Receive or Buy USDY.