Learn how Luna works

Luna is a yield app for stablecoins. You sign up with email, deposit USDC (a digital US dollar), and Luna routes that USDC across four established places where money earns yield — automatically, in the background, with no lockups.

We're built in Singapore for users across Asia who want better than local savings rates without becoming crypto experts. Luna doesn't hold your money at any point — it sits in your own wallet, and you can withdraw any amount, any time, in a single tap.

Today our vaults target roughly 4% to 6.5% per year, depending on which tier you choose. Live rates are shown on the homepage and update continuously. That's well above what most banks pay on savings deposits.

A stablecoin is a digital token designed to hold the same value as a real-world currency — almost always the US dollar. One USDC is meant to equal one US dollar, every day, no matter what's happening in crypto markets.

Stablecoins exist because regular cryptocurrencies (Bitcoin, Ethereum) are too volatile to be useful as money. Their prices swing too much. Stablecoins solve that by being backed by reserves — for USDC, every token is matched by a real US dollar (or short-term government bond) held by a regulated company called Circle.

You can think of USDC like a digital US dollar that travels on the internet. It moves in seconds, costs almost nothing to send, works across borders, and is the default unit of account in DeFi. Luna operates entirely in USDC — when you deposit, you're depositing USDC; when you earn, you earn more USDC; when you withdraw, you get USDC back.

If you've never bought USDC before, that's fine. Luna lets you pay with a debit or credit card, and we handle the conversion to USDC automatically.

DeFi stands for "decentralized finance" — financial services that run on blockchains instead of inside banks. Lending, borrowing, fixed deposits, treasury investments — all the same ideas you know from traditional finance, but the rules are written in code and visible to anyone.

DeFi yield is interest you earn for putting your money to work in this system. The yield comes from real economic activity, not from inflated tokens or speculation:

• Someone borrows USDC and pays interest. Part of that interest is yours.
• Someone wants to lock in a future fixed rate. The contract that pays them is structured in a way that pays you for providing the capital.
• A tokenized US Treasury bill earns interest from the US government, and that interest flows through to token holders.

In every case, the yield is a payment for something useful happening in the real economy. Luna's job is to mix these sources together in sensible proportions and pass the yield through to you.

Yield is variable. It moves up and down with market conditions, just like savings rates at banks move when central banks change their policy. Luna shows you the live rate, updated continuously, on every vault.

A wallet, in crypto, is the thing that holds your money. There are two kinds: custodial and non-custodial.

A custodial wallet is held by a company on your behalf. Most crypto exchanges work this way — you have an account, the company holds the funds, and you ask them to move money around. If the company freezes your account, fails, or gets hacked, your money is at risk. Bank deposits work similarly, but with insurance behind them.

A non-custodial wallet is held by you. The company that built the app can't touch your funds, freeze your account, or refuse a withdrawal. You always have direct access to your money on the blockchain.

Luna is non-custodial. When you sign up with email, our partner Privy generates a wallet for you in the background — secured by your email login plus modern security infrastructure. Your USDC sits in that wallet, not in a Luna account on our servers. When you deposit into a vault, the contract that holds the position is on the blockchain, in your name. When you withdraw, it comes straight back to your wallet.

What this means in practice:

• Luna can never freeze, seize, or move your funds without your approval.
• If Luna's website went offline tomorrow, you could still withdraw by interacting with the smart contracts directly (more technical, but possible).
• Keeping access to your email matters. If you lose access to the email you signed up with, you may permanently lose access to your wallet. Luna's settings include a wallet export feature you can use to back up your private key offline.

Luna is incorporated and operated in Singapore as WORLDAI PTE LTD. That choice was deliberate, and it's a core part of who we are.

Regulatory clarity

Singapore's financial regulator — the Monetary Authority of Singapore (MAS) — was one of the first in the world to publish clear rules for crypto and digital asset businesses. Other countries have either banned the space, ignored it, or written rules that change every six months. Singapore did the work to make a stable framework, and that matters when you're building something users will trust over years.

To be clear: Luna is a non-custodial DeFi platform, not a MAS-licensed deposit-taking institution. We don't claim regulatory oversight that we don't have. What we do claim is that operating from a jurisdiction with clear rules — and being a real Singapore company with a registered address, a real director, and real corporate filings — is meaningfully different from operating offshore with no accountability.

Asia-first vision

Singapore is also our home and the natural starting point for an Asia-focused product. Most DeFi apps were built in San Francisco or New York, by teams who don't think about Filipino remittance flows, Indonesian gig-worker savings, or what PayNow timing looks like on a Sunday morning. We do, because we live here.

Today, users from Asia can fund Luna with a card from over 100 countries. Native payment rails — PayNow, GCash, GoPay, and others — are on our roadmap. The plan is for Luna to feel like a local product in every Asian market we serve, not a Western product translated late.

Banks and Luna do superficially similar things — they both let you park money and earn some yield on it. But the underlying mechanics are very different. This table is the clearest way to see it.

Banks are stronger on insurance and regulation. Luna is stronger on yield, transparency, and control. Neither is the right answer for all your money. The most reasonable approach for most users is something like: emergency fund stays in a bank, savings you want to grow goes into Luna, money you can't afford to lose stays out of both.

There are plenty of yield apps in crypto already. Honest answer: most of them are good products. We're not trying to discredit anyone. But Luna exists because we think the existing options are mostly built for the wrong audience.

Most yield apps are built for American users

The major DeFi yield apps were started in San Francisco or New York, in English, by teams whose default user is an American millennial who already owns crypto. Their interfaces assume you know what a wallet address is. Their support hours match Eastern Time. Their payment integrations work best with US bank accounts and Western exchanges. Their content speaks to questions an American user has, not the ones you have.

Luna is built for Asia first — for Singapore retail savers tired of sub-1% deposits, for Filipino and Indonesian gig workers who get paid in their app's wallet and want it to grow, for Vietnamese freelancers paid by international clients, for anyone in the region who has wondered why earning T-bill-grade yield required a US brokerage account.

Most yield apps are still confusing

Even the better DeFi apps assume you'll figure things out. They display dozens of pools, dozens of tokens, dozens of risk parameters. That works for power users. It does not work for someone trying yield for the first time with a $50 paycheck surplus.

Luna is opinionated. We give you three vaults — Protect, Optimize, Accelerate — instead of three hundred pools. We pick the underlying allocations and tell you why. We use plain words. We're trying to make this useful for someone who has never opened MetaMask, not for someone optimizing the seventh decimal of their APR.

What we share with the better apps

We're not unique on everything. Like the established players, Luna is non-custodial, integrates audited protocols, charges only on yield, and never restricts your withdrawals. The mechanics here are mature; we're standing on the work others did to make these protocols safe.

What's different is who Luna is for, and what we choose to make simple.