Dharma is live.

Start saving as little as $5 today.

After two months in Beta, we’re excited to announce that Dharma is live and open to the public. Over $1.5m of user deposits are accumulating up to 7.4% APR interest in Dharma Accounts — now you can join them.

We believe Dharma will be the product that introduces DeFi — and crypto more broadly — to millions of new users not as a vehicle for speculation, but as a vehicle for stable, international savings. This is the product you can use to introduce your friends and family to DeFi — and we’re just getting started.

Give the product a try today! You can deposit any amount, even $1.

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Save in US Dollars, Anywhere

• Through the magic of stablecoins and DeFi protocols, you can use Dharma to earn up to 7.4% APR interest, anywhere on the planet — from Argentina to Zimbabwe
• The stability and security of US Dollar savings is no longer limited to the bounds of the United States or the internationally wealthy — anyone with an Internet connection can transform their currency — pesos, rupees, yuan, whatever — into interest-bearing US Dollars on Dharma.

Easy, Seamless, and Simple

• You shouldn’t have to read a 10,000 word blog post to try saving in DeFi — Dharma makes uploading your money to the Internet and watching it grow as easy as creating an email account.
• No transaction fees, no browser extensions, no headaches — sign up in one click with your Coinbase account, and you’re ready to rock.
• Send DAI or USD Coin to your Dharma Account and it starts earning interest — that’s it. Your Dharma Account is always-on and always available. You can save your Dharma address in your favorite exchange and send funds to it at any time, from any digital currency wallet, whether you’re logged into Dharma or not. Any DAI or USD Coin that hits the address will instantly start earning interest.

Grow Your Money With Non-Custodial Confidence

• Dharma is powered by the Dharma Smart Wallet — the most advanced, non-custodial wallet ever created that seamlessly works in the background
• Your keys live on your devices, not in the cloud — even if Dharma were to get hacked or compromised, your funds would remain secure and in your possession.
• It’s not uncommon for users’ devices to be compromised. The Dharma Smart Wallet has what we call a “security backstop” to guard against this — every withdrawal you make is confirmed & approved by Dharma, just in case the key on your device is compromised.
• Lost your device? Don’t sweat it, we’ve got your back — the Dharma team can help recover your account (after a 7-day waiting period)
• Behind-the-scenes, interest in Dharma is generated via the Compound Protocol — a global network of borrowers and lenders. Every loan in Compound is over-collateralized and secured by smart contracts on the Ethereum blockchain.
• Every piece of on-chain code that touches your money directly — from the Dharma Smart Wallet to the Compound Protocol — is open-source and thoroughly vetted by the security expertise of Trail of Bits.

This is only the beginning — we have so much more to show you soon™.

What are you waiting for? Give the product a try today.