There is always some degree of risk when you invest in anything. Even the most reliable investment strategies aren't guaranteed to succeed.

Smart investing is about more than just choosing the right investments. It's also about developing smart habits. DeFi is an emerging technology and as such, its risks differ from those in traditional markets.

On PennyWorks, we convert your money into stablecoins — which are held in accounts that are connected to decentralized money markets. Thanks to the unique architecture of decentralized finance, you earn higher interest in real-time and can add or redeem funds anytime.

You can read our full disclosure statement here.