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.

Download Gem Wallet for iOS Download Gem Wallet for Android Download Gem Wallet for Android as apk Also available on other platforms →
USDY Wallet
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What is USDY
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Wallet Features
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Trust & Reviews
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Set Up USDY Wallet
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Get USDY Address

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.

Why Gem USDY Wallet App Is the Best Choice?

Gem Wallet stands out as a leading USDY wallet solution, combining security, privacy, and usability in one powerful app. Here's why users choose Gem Wallet for their USDY needs:

Control and Self-Custody

Full control of your private keys and secret phrase. No third party can access or restrict your USDY. Your USDY is truly yours.

Privacy Protection

No tracking, no personal information, no data collection. Complete privacy and control over your USDY.

Open-Source

Publicly available code on GitHub, allowing anyone to verify security and functionality.

Multi-Platform

Available on iOS, Android, and APK. Your USDY wallet works wherever you go.

USDY Wallet in Multiple Languages

Supporting 25+ languages including English, Spanish, Chinese, Russian, and Arabic. Fully localized for worldwide accessibility.

Built-In USDY Services

Buy USDY with 30+ payment methods. Swap USDY through integrated DEX aggregator. Manage all crypto assets in one secure place.

Comparison: Gem Wallet vs Exchange Wallets

See how storing USDY in Gem Wallet differs from keeping it on exchanges

FeatureGem WalletExchange Wallets (Binance, Coinbase)
Registration Required✅ None❌ Full KYC
Personal Data Collection✅ None❌ Extensive (ID, address, selfie)
Open-Source✅ Fully transparent❌ Closed source
Private Keys Control✅ Yes❌ No
Account Freezing✅ Impossible❌ Possible
Setup Time✅ 2 minutes⚠️ 1-7 days (KYC verification)

Professional Security Features

  1. Biometric Authentication: Use Face ID, Touch ID, or fingerprint to secure your wallet
  2. PIN Protection: Set a strong PIN code as an additional security layer
  3. Encrypted Backups: Your secret phrase is stored securely and never leaves your device
  4. Regular Security Audits: Independent security reviews ensure wallet integrity. Learn more about security →
Gem Wallet private key security and self-custody crypto wallet features

What Users Say About Gem USDY Wallet

Google Play
4.8 ⭐⭐⭐⭐⭐
2,845 reviews
App Store
4.9 ⭐⭐⭐⭐⭐
458 reviews
GitHub
745 ⭐
Open source
DariaGalli
2 weeks ago
⭐⭐⭐⭐⭐

"Great 👍🏻 I've been using this wallet for Bitcoin and USDT it's easy to use, and the design's actually..."

mitu Akter2
Feb 11, 2026
⭐⭐⭐⭐⭐

"Excellent crypto wallet! The app is very easy to use, even for beginners. Transactions are fast and secure, and I really like the clean interface. Setting up the wallet was simple, and I feel confident about the security features."

Cryptouser22
Mar 26, 2025
⭐⭐⭐⭐⭐

"Very fast customer support response , it was much appreciated"

Borisza1
Dec 26, 2025
⭐⭐⭐⭐⭐

"Very fast and easy app to use fast transfers"

Danish
Jan 11, 2026
⭐⭐⭐⭐⭐

"fantastic wallet simple, easy to use, friendly, interface secure with many more great features. I think, this is perfect for nowadays needs and fast crypto transactions."

NewbieCrypto_2024
2 months ago
⭐⭐⭐⭐⭐

"Perfect for beginners. Set it up in under 2 minutes and bought my first Bitcoin through the wallet. Super easy!"

Sabana
Dec 30, 2025
⭐⭐⭐⭐⭐

"Gem Wallet offers a clean interface and solid security for managing crypto assets. Transactions are smooth, and the wallet feels reliable for everyday use."

LadyTech777
2 months ago
⭐⭐⭐⭐⭐

"I wanted something easy to use, fast wallet with multiple old and new chains. Finally found all of this in Gem."

Ahmed Barca
Jan 9, 2026
⭐⭐⭐⭐⭐

"best app"

Stickyglow
Apr 10, 2025
⭐⭐⭐⭐⭐

"I love how I can cross chain swap btc and eth in base it was fastest swap ever."

Forhad Rahman
Jan 5, 2026
⭐⭐⭐⭐⭐

"A well-designed crypto wallet that balances security and usability. Managing assets feels simple, even for someone new to crypto."

RDJ670
3 months ago
⭐⭐⭐⭐⭐

"It's a very cool and fast wallet application which has simple interface...friendly users which make it easy to use."

vitos18372
Feb 26, 2025
⭐⭐⭐⭐⭐

"I use this wallet, very pleasant experience, will be my main wallet now!!!)))))"

pimptee
4 months ago
⭐⭐⭐⭐⭐

"I'm using gem wallet for some time now and it has been pretty reliable. It support basically every coin you can think of."

Joa.co
Jan 2, 2026
⭐⭐⭐⭐⭐

"Simple and powerful wallet with beautiful native iOS design. I downloaded Gem because I wanted an open source self custodial wallet with support for staking. I'm coming from Unstoppable Wallet which doesn't support staking, so it fills the gap nicely"

Jennifer662
Dec 27, 2025
⭐⭐⭐⭐⭐

"Gem Wallet makes crypto simple with fast in-app swaps, wide coin support, and reliable security designed for safe everyday use."

Sarah_Crypto
6 months ago
⭐⭐⭐⭐⭐

"Switched from Coinbase and never looked back. I actually own my crypto now. The seed phrase backup is straightforward and secure."

mitu Akter2
Feb 11, 2026
⭐⭐⭐⭐⭐

"Excellent crypto wallet! The app is very easy to use, even for beginners. Transactions are fast and secure, and I really like the clean interface. Setting up the wallet was simple, and I feel confident about the security features."

Danish
Jan 11, 2026
⭐⭐⭐⭐⭐

"fantastic wallet simple, easy to use, friendly, interface secure with many more great features. I think, this is perfect for nowadays needs and fast crypto transactions."

Ahmed Barca
Jan 9, 2026
⭐⭐⭐⭐⭐

"best app"

Forhad Rahman
Jan 5, 2026
⭐⭐⭐⭐⭐

"A well-designed crypto wallet that balances security and usability. Managing assets feels simple, even for someone new to crypto."

Shani Jibo
Feb 8, 2026
⭐⭐⭐⭐⭐

"Very reliable and easy to use, great experience, will definitely use in the future."

Clanos Clanas
Jul 6, 2025
⭐⭐⭐⭐⭐

"Good wallet for crypto exchange"

Tamam AlAli
Mar 24, 2025
⭐⭐⭐⭐⭐

"After trying the wallet, I really liked it. It is safe, easy to use, and has many of the currencies I need. Thank you. I recommend it."

Sabana
Dec 30, 2025
⭐⭐⭐⭐⭐

"Gem Wallet offers a clean interface and solid security for managing crypto assets. Transactions are smooth, and the wallet feels reliable for everyday use."

How to Set Up a USDY Wallet in 2 Minutes

Quick Setup Guide (3 Steps)

Creating a USDY wallet is simpler than opening a bank account. Gem Wallet guides you through the entire process in minutes, making it accessible for complete beginners.

onboarding view

1. Download USDY Wallet

USDY Wallet: iOS, Android & APK

recovery phrase screen

2. Create USDY Wallet

Create a new wallet, save the secret phrase, and get your address in USDY.

gem wallet security settings

3. Set Up Security for USDY

Enable PIN or biometric authentication and you're ready to go

Create USDY Wallet for iOS

Get your USDY wallet on iPhone (2 min):

  1. Open the App Store and search for "Gem Wallet"
  2. Download and install the app (it's free and under 50MB)
  3. Open Gem Wallet and tap "Create New Wallet"
  4. Write down your secret phrase on paper - this is your master backup
  5. Enable Face ID or set a PIN code for quick and secure access
  6. Done!
Download Gem Wallet for iOS
USDY wallet for iOS

Create USDY Wallet for Android

Get your USDY wallet on Android (2 min):

  1. Via Google Play: Search for "Gem Wallet" in the Play Store and install
  2. APK: Download the APK file for maximum privacy and control
  3. Open the app and select "Create New Wallet"
  4. Write down your 12-word secret phrase on paper
  5. Set up fingerprint or PIN authentication
  6. Done!
Download Gem Wallet for Android Download Gem Wallet for Android as apk
USDY wallet for Android

How to Get a USDY Address

To get a USDY wallet address, you first need to create or import a USDY wallet. After that, the app will generate addresses for you automatically.

1 Open Gem Wallet

Launch the app on your phone and select USDY (USDY) from your asset list.

2 Tap "Receive" Button

You'll see a large button at the bottom of the screen. Your USDY wallet address will be displayed both as text and as a QR code.

3 Copy Your Address

Copy the address to clipboard, share the QR code, or send it directly through messaging apps.

Get USDY wallet address in Gem Wallet
🔄 Unlimited Addresses

In Gem Wallet, you can generate unlimited USDY addresses for free. Each address is derived from your secret phrase and remains under your control forever.

📱 Using QR Codes
  • ✅ No Typing Errors - Scanning prevents copy-paste mistakes
  • ✅ Faster Transactions - Just show your phone screen
  • ✅ Perfect for in-person USDY payments

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.
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Find Out Everything About USDY