PennyWorks is a one stop shop for individuals and businesses to manage cash flows and build wealth.

PennyWorks is a DeFi-based alternative to the disappointing yields and high fees associated with traditional investing. We are a secure and easy-to-use account that allows you to earn interest through investments powered by blockchain technology.

We're for everyone who wants their money to earn more money — lots more.

How does it work?

1. We convert US dollars into stablecoins which are pegged to the US Dollar so they avoid market volatility.
2. We generate yield via collateralized lending of crypto/stablecoins.
3. While the collateral can be volatile, assets can be monitored in real-time and can be called in near real-time to reduce risks.
4. Get your funds back whenever you like!