The highest earning app in the app store with 7.6%APY
Markets are autonomous software that match lenders and borrowers directly. With rules written in code, there’s no bank in the middle.
Safety comes from over‑collateralization: borrowers lock up more value than they borrow. If their collateral falls, the Market sells it automatically so lenders are protected.
Borrowers use Markets for everyday spending without selling appreciated assets, to access new opportunities without disrupting portfolios, and to arbitrage price differences across venues.
Nook only connects to the largest, most established Markets. The stats above reflect activity in these leading markets.(1)
| Feature | Nook | Bonds | Bank Account |
|---|---|---|---|
APY |
Up to7.6%APY |
~4 - 5%APY(typical) |
~0.01 - 0.07%APY(typical) |
Liquidity |
Withdraw anytime |
Sell before maturity may impact return |
Withdraw anytime |
Minimums |
Low minimum |
Varies by product/broker |
Bank dependent |
Insurance |
Not FDIC; diversified DeFi strategies |
Backed by issuer (U.S. Treasuries) |
FDIC-insured up to limits |
Fees |
No account fees |
Brokerage fees may apply |
Bank dependent |
"Nook is the best savings
app in the App Store."
Nook partners with Coinbase—our trusted payment provider—to convert your funds into USDC, a stablecoin pegged 1:1 to the U.S. dollar.
The conversion happens behind the scenes in seconds, so you can start earning right away.
Nook sends funds from your wallet directly to the earning protocol with the highest rate — all of which are hand selected with over $60B total across their platforms.
At any point, you can withdraw your funds directly back to your Bank or Coinbase account. There are no lockups, delays or wait times.
As the highest earning savings app in the app store with over $100M in transactions, we get a lot of questions.
The team and Nook community are here to answer them.
Contact us at team@nookapp.xyz directly.
