USDY 钱包

USDY 钱包是一款开源、自主托管的应用程序，可将闲置美元转化为高息储蓄：通过完全支持的代币赚取约 4.25% 的 APY，即时兑换，并使用银行卡购买 USDY——立即下载、兑换并赚取收益。

什么是 USDY？

USDY 是一种收益型、与美元挂钩的代币，由 Ondo Finance 发行，并以 1:1 的比例与短期美国国债和银行活期存款挂钩。它将约 4.25% 的年收益率 (APY) 直接记入您的钱包，为您提供高息储蓄账户的加密原生替代方案。

USDY 钱包优势

开源&自主托管 ：USDY 钱包的代码可公开审计，您的私钥永远不会离开您的设备——无需注册，也不会泄露个人数据。
自动收益： 持有 USDY 或 rUSDY，观察您的余额每日增长 - 无需质押、锁定或手动申领。
机构级安全性： 储备金由受监管的托管机构保管，与国库货币市场基金的安全性相当，同时您仍可完全控制。
轻松入门： 使用信用卡或借记卡在几秒钟内通过购买加密货币购买 USDY - 全部在 USDY 钱包内。
一键兑换： 无需离开应用程序即可立即将 USDY 兑换为 rUSDY、稳定币或 ETH。
多链灵活性： 通过无缝的应用内桥接，在以太坊、Mantle、Solana、Sui、Aptos 和 Arbitrum 上使用 USDY。
实时分析： 直接在仪表盘中跟踪收益累积、链上证明和实时 Gas 费用。

每一美元都能赚取更多，同时保持完全的隐私和控制权——USDY 钱包是升级版的储蓄工具。

为什么选择 Gem Wallet 作为您的 USDY 钱包

Gem Wallet 是一款 USDY 钱包，您可以完全掌控自己的私钥和资金。代码已在 GitHub 上公开。您的活动不会被追踪，您可以直接通过应用购买、兑换和使用 USDY。

掌控与非托管

您完全掌控自己的私钥和助记词。任何第三方都无法访问或限制您的 USDY。您的 USDY 完全属于您。

隐私保护

不追踪，不收集个人信息，不收集数据。完全保护您的 USDY 的隐私和控制权。

经审计

代码在 GitHub 上公开，并于 2026 年 4 月通过 CertiK 的独立审计。

跨平台

适用于 iOS、Android 和 APK。您的 USDY 钱包随时随地可用。

USDY 多语言钱包

支持包括英语、西班牙语、中文、俄语和阿拉伯语在内的25种以上语言。完全本地化，全球通用。

内置 USDY 服务

使用 30 多种支付方式购买 USDY，并通过集成的 DEX 聚合器兑换 USDY。在一个安全的地方管理所有加密资产。

对比：Gem Wallet vs 交易所钱包

了解将 USDY 存储在 Gem Wallet 中与将其存储在交易所中有何不同。

功能	Gem Wallet	交易所钱包（币安、Coinbase）
需注册	✅ 无	❌ 完整 KYC 流程
个人数据收集	✅ 无	❌ 要求详尽（身份证件、地址、自拍照）
开源	✅ 完全透明	❌ 闭源
私钥控制	✅ 是	❌ 否
账户冻结	✅ 不可能	❌ 可能
设置时间	✅ 2分钟	⚠️ 1-7天（KYC验证）

专业安全功能

生物特征认证：使用面容 ID、触控 ID 或指纹保护您的钱包
PIN 码保护：设置高强度 PIN 码，多一层安全保障。
加密备份：您的助记词已安全存储，绝不会离开您的设备。
定期安全审计：独立的安全审查确保钱包的完整性。了解更多安全信息 →

Gem Wallet private key security and self-custody crypto wallet features

USDY 用户如何评价 Gem Wallet

DariaGalli

Aug 7, 2025

"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

Dec 15, 2025

"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

Dec 12, 2025

"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

Nov 12, 2025

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

Shani Jibo

Feb 8, 2026

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

vitos18372

Feb 26, 2025

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

pimptee

Oct 12, 2025

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

Clanos Clanas

Jul 6, 2025

"Good wallet for crypto exchange"

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."

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."

Sarah_Crypto

Aug 12, 2025

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