Lower risk
Protect
Capital preservation with steady yield. The most defensive allocation, weighted toward stable, time-tested protocols.
4.10%current APY
- Aave V315%
- Morpho Gauntlet35%
- Ondo USDY50%
Live on Arbitrum · Non-custodial
Your money,
working harder.
Luna routes your USDC across the most established yield-generating protocols in DeFi — automatically, transparently, and without ever taking custody of your funds. Withdraw anytime.
Sign up with emailWithdraw anytimeYou own your money
Built in Singapore
Asia-first by design, headquartered in our home market.
We only earn when you earn
No fees on principal. Our revenue is a small spread on yield, not a charge on your balance.
Non-custodial — your money stays yours
Funds live in your wallet, not on our balance sheet.
Built on audited DeFi protocols
Aave, Morpho, Pendle, and Ondo — established and independently reviewed.
4.1–5.8% APY
Live yield range across vault tiers, sourced from real DeFi protocols and updated continuously
0 fees
No deposit fees, no withdrawal fees, no management fees, no lockups on your principal
100% yours
Non-custodial by design — your keys, your funds, withdraw anytime in a single transaction
Getting started
From email to earning, in minutes.
No crypto experience needed. No app to install. Four steps, and your money is at work.
i.
Sign up with email
Use the email you already have. We create a wallet for you in the background. No seed phrases to memorize, no app store downloads, no crypto knowledge needed. Only you can access it.
ii.
Add money
Pay with a debit or credit card you already own, from over 100 countries — Singapore, Philippines, Indonesia, and many more. Minimum deposit is $10. If you already have crypto, you can send it directly.
iii.
Earn yield
Choose a vault — Protect, Optimize, or Accelerate — based on how much risk feels right. Your money starts earning the moment your deposit lands. Watch your earnings grow on your dashboard, updated continuously.
iv.
Withdraw anytime
No lockups. No notice periods. No minimum balance to keep. Take your money out whenever you want, and it’s usually back with you in under a minute.
The opportunity cost
Your savings account
is sleeping.
Major banks pay savers a fraction of what your money is actually earning for them. Luna gives that yield back — directly, transparently, on capital you control.
Typical savings account
A major bank
0.42% APY
Average US savings rate as of late 2025. Many large institutions offer 0.01–0.05%. Withdrawal limits and minimum balances often apply.
vs.
Luna Optimize Vault
Luna
4.70% APY
Diversified across Aave, Morpho, Pendle, and Ondo USDY. No lockups, no fees on principal, full transparency on every allocation.
Yields shown are current rates and will vary with market conditions. DeFi yields are not bank deposits and are not insured by FDIC, SDIC, or any equivalent body. Underlying smart contracts carry technical risk. Always understand what you’re investing in.
Three vaults, one principle
Choose your risk appetite.
Each vault is designed to match a real human goal — preserve, optimize, or accelerate. Every allocation is published, auditable, and routed on-chain in a single transaction.
Balanced
Optimize
Balanced growth across diversified protocols. The sweet spot between defensive and aggressive — most users start here.
4.70%current APY
- Aave V310%
- Morpho Gauntlet60%
- Ondo USDY5%
- Pendle PT-USDai25%
Higher risk
Accelerate
Maximum on-chain yield potential. Higher allocation to fixed-yield instruments and curated lending — for users seeking the most return.
5.80%current APY
- Aave V310%
- Morpho Gauntlet40%
- Pendle PT-sUSDai50%
Where your yield comes from
Real yield from real assets.
DeFi yield isn’t magic. It comes from real economic activity — people borrowing money, governments issuing bonds, businesses paying interest. Luna routes your USDC across four established sources. Here’s what each one actually does, in plain English.
i.
Aave — global lending, automated
Aave is like a global bank for digital dollars, except everything runs by code and anyone can inspect it. People borrow USDC from a shared pool, and they have to lock up more value than they borrow as collateral — so loans stay safe even if markets move. The interest they pay is part of what you earn.
ii.
Morpho — curated by professionals
Morpho is the same idea as Aave, but with a professional twist. A risk firm called Gauntlet — who manages billions across crypto markets — picks which loans to make, balancing return against safety. You get higher rates than a standard lending pool, with experienced risk management built in.
iii.
Ondo USDY — US Treasury bills, on a phone
USDY brings short-term US Treasury bills on-chain. T-bills are loans to the US government — one of the most trusted sources of yield in all of finance. Normally, accessing them means a US brokerage account or a $10,000+ minimum. Through Luna, you get the same yield exposure from any phone.
iv.
Pendle — like a fixed deposit, but on-chain
Pendle lets you lock in a fixed yield to a specific date — like a fixed deposit at a bank, but on the blockchain. If rates change later, yours stays the same. This brings stability to the higher-yield vaults.
All four are independent, established protocols, open for anyone to inspect. Luna doesn’t run any of them — we just route your USDC across them in the right proportions for each vault.
Aligned incentives
We only win when you win.
Most platforms charge whether or not you make money. We chose a different model: you keep all of your principal, and we earn a small spread only on the yield your money generates. If your money doesn’t grow, neither do we.
No fees on your principal
Zero deposit fees. Zero withdrawal fees. Zero management fees. Zero lockups. Every dollar you put in is a dollar you can take out, anytime, in a single transaction.
Spread on yield, not on capital
Our revenue comes from a small spread between what the underlying protocols pay and what we pass through to you. The yield you see on your dashboard is what you actually receive.
If you don’t earn, we don’t earn
There’s no scenario where Luna profits while your balance stagnates. Our incentive is to maximize your yield — because that’s the only way we generate revenue.
The model
“Most fintechs charge you to hold your money. We get paid only when your money grows.”
Asset managers typically charge 0.5–2% of your total balance per year, regardless of performance. Banks make money on the spread between what they pay you and what they earn lending your deposits — but they don’t share that with you. Luna does.
Why diversification matters
Built to weather
any rate cycle.
Most yield platforms depend on a single source of return — usually short-term lending rates that move in lockstep with central bank policy. When the Fed cuts, those yields collapse.
Luna’s allocations are deliberately diversified across structurally different yield sources: variable-rate lending (Aave, Morpho), tokenized treasuries (Ondo USDY), and fixed-yield instruments (Pendle PT tokens). Each responds differently to rate environments.
Even in a hypothetical scenario where central banks cut rates to zero, our fixed-yield Pendle allocations continue paying their contracted rates until maturity, and curated lending vaults continue generating returns from real on-chain demand. The platform stays net positive.
i.
Variable-rate lending
Aave V3 and Morpho Gauntlet — yield from on-chain borrowing demand, independent of any single rate-setter.
ii.
Tokenized treasuries
Ondo USDY brings the yield from short-term US Treasuries on-chain — institutional-grade backing in a composable token.
iii.
Fixed-yield instruments
Pendle PT tokens lock in a fixed yield to maturity — your return is contracted at deposit, regardless of what rates do next.
Why Luna
Built for everyone, starting with Asia.
Three things make Luna different. Plain-language design, Asia-first focus, and yield that comes from real assets — not speculation.
i.
Simple, by design
Most yield apps assume you already speak crypto. We don’t. Sign up with email. Pay with your card. No seed phrases, no browser extensions, no jargon to decode. If you can use online banking, you can use Luna. The whole flow takes about two minutes.
ii.
Built for Asia first
Most DeFi apps are built for American users, in American time zones, with American payment rails. Luna is incorporated in Singapore and designed for the region we live in — Singapore retail savers, Filipino and Indonesian gig workers, Vietnamese freelancers, anyone across Asia tired of local savings rates that barely beat inflation. Today we accept cards from 100+ countries via MoonPay. Native Asian payment rails are next.
iii.
Real yield, real assets
Your yield isn’t speculation or hype tokens. It comes from established sources: global lending demand, professional credit strategies, fixed-yield contracts, and short-term US Treasury bills. T-bill exposure used to require a US brokerage account and a $10,000 minimum. Through Luna, $10 from any phone is enough.
Built for trust
You stay in control.
Luna is non-custodial by architecture. We never hold your funds — every deposit, every allocation, every withdrawal happens directly between your wallet and the underlying protocols, on-chain.
i.
Your keys, your funds
Funds are held by your wallet, not Luna. Receipt tokens are minted directly to your address. Withdraw anytime, no approval needed from us.
ii.
Open and verified
Every contract is open-source and verified on Arbiscan. Every allocation is on-chain and auditable. No black boxes, no proprietary off-chain logic.
iii.
Established protocols only
We integrate exclusively with audited, time-tested DeFi protocols — Aave, Morpho, Pendle, Ondo. No experimental yield, no anonymous forks.
Common questions
For first-timers and beyond.
New to DeFi or thinking about whether this is right for you? These are the questions most people ask — answered honestly.
When you deposit USDC into a Luna vault, our smart contract routes it across multiple established DeFi protocols according to that vault's allocation. For example, the Optimize vault might put 10% into Aave (a lending protocol where your USDC earns interest from borrowers), 60% into a Morpho vault (a curated lending strategy), 5% into Ondo USDY (a tokenized US Treasury fund), and 25% into Pendle (which locks in a fixed yield to a future date).
Each of these protocols is independent, audited, and well-established. Luna's role is to bundle them into a single, balanced strategy you can deposit into with one transaction — and unwind with one transaction.
Three big differences. First, the yield: bank savings accounts in the US average around 0.42% APY, often much less at major banks. Luna's vaults currently target 4-6% APY. Second, custody: a bank holds your money on its balance sheet — you have a claim against the bank. Luna never holds your money; you keep it in your own wallet, and we just route it. Third, transparency: you can see exactly where every dollar of yield comes from, in real time, on-chain.
But savings accounts have one important thing Luna doesn't: FDIC insurance. If your bank fails, the US government insures up to $250,000 per depositor. There is no equivalent for DeFi yet. That's a real trade-off to understand.
Nothing. Your funds are not held by Luna at any point. They are held in audited smart contracts on Arbitrum (Aave, Morpho, Pendle, Ondo) that you've allocated to via our router contract. Even if Luna's website went offline tomorrow, you could withdraw your funds directly by interacting with the smart contracts on-chain — though it would be more technical than using our interface.
This is the meaningful difference between custodial platforms (where the company holds your money) and non-custodial platforms (where you do). Luna is firmly the second kind.
There are real risks worth understanding. Smart contracts can have bugs — even audited ones. Underlying protocols (Aave, Morpho, Pendle, Ondo) all carry their own risks. Cryptocurrency-denominated yields can be affected by USDC depegging events, oracle failures, or governance attacks at the protocol layer.
Luna mitigates these by integrating only with the most established, time-tested protocols (Aave alone has secured tens of billions of dollars over years), by routing across multiple protocols rather than concentrating in one, and by being open-source and verified on Arbiscan so any independent auditor can review our code.
But 'safe' is not the same as 'risk-free.' Luna is best understood as a tool to put a portion of your savings into — not your emergency fund or money you can't afford to lose.
No deposit fees. No withdrawal fees. No management fees. No lockups. We don't charge you anything to put your money in, take your money out, or for the time your money sits with us.
Our revenue comes from a small spread on the yield generated. The underlying protocols pay a certain rate; we pass through most of it to you and keep a small cut. The yield shown on your dashboard is what you actually receive — net of our spread.
This means our incentive is aligned with yours: we make money only when your money makes money.
Immediately. There are no lockups, no notice periods, no minimum holding times. You can deposit at 9 AM and withdraw at 9:01 AM if you want.
The technical process: you click withdraw, sign a transaction in your wallet, and the smart contract unwinds your positions across all the underlying protocols and returns USDC to your wallet — typically within 30-60 seconds depending on Arbitrum network conditions.
Luna's minimum deposit is 10 USDC. We set this floor so that Arbitrum gas costs (typically a few cents to a few dollars per transaction) don't eat meaningfully into your principal on day one.
10 USDC lets you try the platform without committing much. For yield to feel meaningful, we'd suggest depositing at least $50–100 — at larger sizes, gas is essentially rounding error.
Yes, in most jurisdictions yield is taxable as income or capital gains depending on local rules. Luna does not provide tax advice and we don't issue tax documents. You're responsible for reporting your yield correctly to your local tax authority.
Luna's interface shows you exactly what yield you've earned and when — making record-keeping straightforward. If you're unsure how DeFi yield is taxed in your jurisdiction, please speak with a qualified tax professional.
Sign in with your email — Luna creates a wallet for you automatically (powered by Privy). Once you're signed in, you can buy USDC directly using a debit or credit card, or transfer USDC from another wallet or exchange.
If you'd rather use an existing wallet you already control (MetaMask, Rabby, etc.), Privy supports that too. The whole flow takes about two minutes.
Stop watching your money sleep.
Sign in with your email — we’ll set up your wallet automatically. Your first deposit takes under two minutes.