the rate moves with the market; our 0% cut does not
big-bank savings account
~0.5%
typical crypto apy
~3.0%
hho.cash
~4.0%
yield comes from a third-party lending vault and is variable — not a promise
our deposits are curated by
$12.1btotal deposits
$4.3btotal active loans
grow
built to grow
with one strategy you can copy — and stop copying whenever you like
~3–6% a month
the rate moves, our fee does not
your money stays in your wallet
you can stop at any time
walk
solid growth, bumpier ride
calm ~3–6% dip ~5–10%
illustrative targets, not guarantees. risk of loss.
how it runs
fades sharp intraday moves on liquid symbols, no leverage
flat at every utc-day boundary
onchain perps — non-custodial the whole way
pricing (under review)
if there's a fee, we'll show it
hho.cash does not build in spreads. you'll know what we earn
sending, receiving, requesting
free
savings — our cut
0%
bank deposit
1% · 0.5% on premium
cash out to a bank
0.5% · 0.25% on premium
swaps
0.5%
cash out to another network
0.5%
joining or leaving a strategy
$1
a share of what you earn
never
premium
savings are free at any balance — we never charge you to hold or grow your dollars. a plan adds copy-trading strategies, your own account number and higher limits
savings, sending, receiving
free, any balance
strategies under $2,000
free
strategies $2,000 – $10,000
$4.99 / mo · $49.99 / yr
strategies over $10,000
$9.99 / mo · $99.99 / yr
wallet, transfers, savings and scheduled buys stay free at any size
get paid in usdc
premium gives you a permanent account number in your own name. send your salary there — or any bank transfer — and it lands in your wallet as usdc, ready to earn
your own account number
included with a plan
currencies
usd · eur · mxn · brl · gbp
what we add on top of the bank's fee
nothing
the 0.5% is what our banking partner charges to move the money — we pass it through at cost. a one-time id check applies, and it takes a couple of minutes
about
self custody as it should be
hho cash is a personal wallet that saves, sends, swaps and copies a strategy — while your money stays yours
secure
your wallet runs on privy, the embedded-wallet infrastructure used by leading fintechs. the key is split into pieces and only ever assembled inside a secure chip
yours
a self-custodial wallet is on us. you control the keys and we cannot take your funds. we ask for an email to sign you in — nothing more
working
from @handle transfers to a strategy you can copy — we build things that simply work, and show the price of each one
questions
before you ask
is hho.cash a bank?
no — we're a self-custody software company. we don't hold your money
is my money safe?
you hold the keys. that also means a mistake can't be undone by us
can i withdraw anytime?
yes, fully up to you — no lock-ups
which networks?
base and arbitrum, for now
where is spend?
we're working on it
safety
your responsibility
hho cash is a self-custody application. that means you, and only you, control your funds. we cannot reverse a transaction, recover a lost key, or undo a payment sent to the wrong person. always double-check the recipient's handle before sending or approving a request, and take the same care you would with cash in hand. if you're ever unsure, verify before you send.
cash
