Receive 0.0%* APY with DeFi

0.0%* is the is today's average APY - yield is subject to change.

LIMITED TIME OFFER

Get $250 bonus for depositing

Receive 0.0%* APY with DeFi

0.0%* is the is today's average APY - yield is subject to change.

Receive 0.0%* APY with DeFi

0.0%* is the is today's average APY - yield is subject to change.

How it works

Receive 0.0%* APY with DeFi

0.0%* is the is today's average APY - yield is subject to change.

BACKED BY THE BEST

How does the APY work?

1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.

1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.

1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1. LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
1. BORROWERS NEED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.

1. SUPPLY YOUR STABLECOINS
Connect your bank account to supply your USDC to Aave, a DeFi application.
1. AAVE GENERATES YIELD
Borrowers on Aave deposit more than they borrow and pay interest.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw money into your bank account whenever you want with peace of mind.
1. SUPPLY YOUR STABLECOINS
Connect your bank account to supply your USDC to Aave, a DeFi application.
1. AAVE GENERATES YIELD
Borrowers on Aave deposit more than they borrow and pay interest.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw money into your bank account whenever you want with peace of mind.
1. SUPPLY YOUR STABLECOINS
Connect your bank account to supply your USDC to Aave, a DeFi application.
1. AAVE GENERATES YIELD
Borrowers on Aave deposit more than they borrow and pay interest.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw money into your bank account whenever you want with peace of mind.
1. SUPPLY YOUR STABLECOINS
Connect your bank account to supply your USDC to Aave, a DeFi application.
1. AAVE GENERATES YIELD
Borrowers on Aave deposit more than they borrow and pay interest.
1. WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw money into your bank account whenever you want with peace of mind.

Learn how DeFi lending works

We connect you with Aave.

Aave

⭐️

7 security audits

⭐️

15B+ dollars deposited

⭐️

118k+ depositors

Learn about Aave

Don’t trust another FTX, Celsius, or Blockfi

You're the sole owner of your funds, protected by Apple Passkeys. Your crypto is yours alone — no one else, not even Tori, can get to it.

Learn about Tori's security

How does it work?

1
LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
2
BORROWERS ARE REQUIRED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
3
WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1
LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
2
BORROWERS ARE REQUIRED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
3
WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1
LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
2
BORROWERS ARE REQUIRED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
3
WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.
1
LEND OUT YOUR STABLECOINS
Lend out your USDC to borrowers and earn interest every minute.
2
BORROWERS ARE REQUIRED TO OVERCOLLATERALIZE
Borrowers put up more money than they would borrow to lower default risk and earn higher interest with increased demand.
3
WITHDRAW ANYTIME WITH NO LOCKUPS
Withdraw your money into your bank account whenever you want with peace of mind.

Learn more

No fees or minimum balance to get started

There are no fees to supply or withdraw money from Tori. There are also no minimum balances or lockups.

How Tori makes money

Secure your funds with USDC

Your money gets converted to USDC. USDC is designed to equal $1 USD, so your funds stay unaffected by crypto price swings.

Learn about USDC

Get a $250 bonus for depositing

For a limited time only, when you deposit $5000, we'll give you a $250. Terms and conditions apply.

Frequently Asked Questions

View all FAQs here

How is the APY generated?

What’s Aave and how does it work?

How secure is Tori? What does “self custodial” mean?

Are there any limits or fees for deposits and withdrawals?

What happens if there’s a crypto crash? What if the price of BTC or ETH drops by 25%?

What happens if Tori shuts down?

Why should I trust Tori? Is this safe?

How does Tori make money?

I have more questions!

Utopia Labs is a financial technology company, not a bank.

Company

Contact

How does the APY work?

LEND OUT YOUR STABLECOINS

BORROWERS NEED TO OVERCOLLATERALIZE

WITHDRAW ANYTIME WITH NO LOCKUPS

LEND OUT YOUR STABLECOINS

BORROWERS NEED TO OVERCOLLATERALIZE

WITHDRAW ANYTIME WITH NO LOCKUPS

LEND OUT YOUR STABLECOINS

BORROWERS NEED TO OVERCOLLATERALIZE

WITHDRAW ANYTIME WITH NO LOCKUPS

SUPPLY YOUR STABLECOINS

Connect your bank account to supply your USDC to Aave, a DeFi application.

AAVE GENERATES YIELD

Borrowers on Aave deposit more than they borrow and pay interest.

WITHDRAW ANYTIME WITH NO LOCKUPS

Withdraw money into your bank account whenever you want with peace of mind.

We connect you with Aave.

Aave

⭐️

7 security audits

⭐️

15B+ dollars deposited

⭐️

118k+ depositors

Don’t trust another FTX, Celsius, or Blockfi

You're the sole owner of your funds, protected by Apple Passkeys. Your crypto is yours alone — no one else, not even Tori, can get to it.

How does it work?

No fees or minimum balance to get started

There are no fees to supply or withdraw money from Tori. There are also no minimum balances or lockups.

Secure your funds with USDC

Your money gets converted to USDC. USDC is designed to equal $1 USD, so your funds stay unaffected by crypto price swings.

Get a $250 bonus for depositing

For a limited time only, when you deposit $5000, we'll give you a $250. Terms and conditions apply.

Frequently Asked Questions

View all FAQs here

How is the APY generated?

What’s Aave and how does it work?

How secure is Tori? What does “self custodial” mean?

Are there any limits or fees for deposits and withdrawals?

What happens if there’s a crypto crash? What if the price of BTC or ETH drops by 25%?

What happens if Tori shuts down?

Why should I trust Tori? Is this safe?

How does Tori make money?

I have more questions!