Yield in dollars and in reais, straight to your wallet.
From government bonds to private credit. Every product shows its annual rate and states its nature, which is always variable. Yield lands in your wallet, on your keys.
Dollar · USDY4.65%
Real · Tesouro Selic14.25%
4.65%
p.a. · US Treasuries
variable
14.25%
p.a. · Tesouro Selic
tracks Selic
5.0%
p.a. · dollar private credit
variable
How it really works
No waiting period · no lock-up
Deposit via Pix, free
Pix deposits cost nothing. Funds land in your wallet in minutes, on your keys, ready to earn in digital dollars or reais.
Pick a currency and a product
In dollars: USDY (US Treasuries, 4.65% p.a.), Aave 3.0%, Morpho 4.2%, Maple 5.0%. In reais: Tesouro Selic at 14.25% p.a. and Tokeniza at CDI+4.5. Each shows rate, source, liquidity and risk before you commit.
Receive the token that earns
The product's token lands in your wallet. In USDY, US Treasury interest accrues into the token's own value. On Aave and Morpho, your balance grows from interest paid by borrowers who post collateral worth more than their debt. On Maple, from credit to institutions that post collateral above the amount lent.
Redeem at the product's pace
Aave, Morpho and Tesouro Selic: instant. USDY: ~1 day. Maple and Tokeniza: window or fixed term. No Chainless redemption fee; Pix withdrawal costs R$2.90.
Why Chainless
Yield with a declared source
US Treasuries, Brazil's Tesouro Selic and interest from collateralized loans. Every product shows where the return comes from, its liquidity and its main risk before you invest.
Zero fees to invest
No entry, management or performance fees on income products. Free Pix deposits: the yield you see is the yield you get.
Dollars or reais, your call
USDY at 4.65% p.a. in dollars. Tesouro Selic at 14.25% p.a. tracking the Selic: R$1,000 becomes ≈ R$1,142 in a year. Both rates are variable.
In your keys, always
Chainless does not hold custody. Your yield tokens live in your wallet, with recovery through your Google or Apple account, and you redeem without asking anyone's permission.
The questions that matter
Not the question you had? There are real people answering in the app.
Where does this yield actually come from?
From real interest, not promises. In dollars: short-term US Treasuries (USDY) and interest paid by collateralized borrowers on protocols like Aave, Morpho and Maple. In reais: tokenized Tesouro Selic and private credit via Tokeniza. Every product shows the source of its return before you invest.
Is it safe? Who guarantees it?
Nobody guarantees it. What exists is verifiable structure. USDY is backed by US Treasuries, with independent verification and a separate issuer protected in the event of bankruptcy. Tesouro Selic is a bond issued by Brazil's National Treasury. Aave and Morpho only lend against collateral worth more than the debt. You see the backing and the named risks of every product in the app.
Why does the rate change?
Because it tracks the real market. Tesouro Selic follows Brazil's Selic rate, today at 14.25% p.a. USDY follows short-term US Treasury yields. Aave and Morpho move with borrowing demand: more borrowers, higher rate. A variable product has no fixed rate, and we prefer to show the number of the day.
How is this different from a savings account or CD?
Three differences. The asset sits in your keys, off any institution's balance sheet. You choose the currency of your yield, dollars or reais. And investing costs zero, with no entry or management fees. The trade-off: there is no deposit insurance, and protection comes from each product's backing, which we show openly.
When can I withdraw?
It depends on the product, and it is written on each one. Aave, Morpho and Tesouro Selic: instant redemption. USDY: about 1 day. Maple: redemption window. Tokeniza: fixed term per offer. There are no hidden lock-ups, because liquidity is shown before you invest.
What if the protocol gets hacked?
It is a real risk, and we name it. We only list audited protocols with years of operation and billions deposited. Aave and Morpho are among the largest in the world by value deposited, and Maple holds around US$3.3B. Even so, smart-contract risk exists, and it appears in every product's risk section.
Dollar or real yield: how do I choose?
Reais pay more today, with the Selic at 14.25% p.a. Dollars combine interest, 4.65% p.a. on USDY, with hard-currency exposure. If the real weakens you win twice; if it strengthens, FX works against you. The choice is not either/or, and you can split. Rule of thumb: short-term money in reais, long-term reserves in dollars.
What about taxes?
Yields may be taxed depending on your situation and the product type, in Brazil and abroad. Chainless does not give tax advice, so talk to your accountant. What you get in the app is the full transaction history for your filing.
Does Chainless hold my money?
No. Chainless is a technology provider, and your assets stay in your keys, in a wallet with recovery through your Google or Apple account. Not even Chainless can move your balance. If the company vanished tomorrow, the asset is still yours.
The risks
What can go wrong, written down before you invest.
- 01Every rate here is variable: it tracks the Selic, US Treasury yields or borrowing demand. Today's number is not tomorrow's promise.
- 02DeFi products (Aave, Morpho, Maple) carry smart-contract and stablecoin risk. Audits and track record reduce that risk, but they do not eliminate it.
- 03Dollar yield carries FX risk: if the real strengthens, the exchange rate cuts your gain measured in reais.
- 04There is no deposit insurance. Protection comes from each product's backing, whether a government bond or loan collateral, and we show you exactly what it is.
Reference rates as of July 2026, variable and not guaranteed. Past yield is not a promise of results. Updated estimates available in the app.
All of it in your wallet, on your keys.
Download the app and start in minutes, with Pix.