Get richboring.
Otus generates income on your idle cash: 5–7% APY, fully automated. You deposit. It handles the rest.
Join 1,000+ users generating income on Otus.
Two ways to grow your money.
One eats your evenings. The other is Otus.
Doing it yourself
- Bank savings earning 0.01% — technically growing, not really
- Stablecoins sitting in a wallet, untouched since the day you bought them
- Or comparing rates and moving funds yourself, forever
With Otus
- Deposit once, Otus finds the best yield
- Automatically diversified, automatically rebalanced
- Better yield without the babysitting
- You do nothing. That's the point.
Boring never looked so easy.
You put dollars in. Otus turns them into stablecoins, spreads them across audited vaults, and hunts for the best safe rate every day, automatically. You earn up to 5% APY. You manage nothing.
Step 01
You deposit
- Dollars in from your bank, a card, or Coinbase. Try it with just $10.
Step 02
We convert to stablecoins
- Your dollars become digital dollars. Same value, now able to earn. You never touch a chart or a seed phrase.
Step 03
We manage everything
- Audited, established vaults only. Otus handles the bridging, the swapping, and the rebalancing daily, so you don't have to know what a vault is.
Step 04
You generate income
- Better-than-a-bank returns show up automatically. Your money is working whether you're watching or not.
This is what boring looks like.
Cash and yield in one calm dashboard: your balances, the income they're generating, and an agent quietly rebalancing behind the scenes. When something happens, you get a receipt. Most days, nothing needs to.
+$0.81 of income arrived.
Rebalanced across 3 vaults overnight.
Your account crossed $10,000.
Balances and rates are illustrative.
Safe enough to sleep soundly.
Otus routes your dollars into vetted stablecoin vaults and returns the income to you. No trading, no speculation, no playing games with your money. We chose safety over chasing max returns. Here's what that looks like.
Hand-picked vaults
Every vault is whitelisted, audited, and hand-selected. Established protocols with deep liquidity and long track records.
Diversified by default
With Guardian, your funds are spread across multiple vaults, multiple protocols, and multiple blockchains. If one vault has an issue, your exposure is limited. You don't have to think about this. That's the point.
Continuous monitoring
Otus watches vault health around the clock. Irregular activity or liquidity drops trigger a move before they become your problem.
See it for yourself
Live yield, allocations, custody, and monitoring, all on the transparency dashboard.
Built with:
“Since I'm saving for a home rebuild, getting the most out of my savings is always on my mind but, between work and family, I have limited time to figure out the optimal ways to earn. Otus made that easy — shifting my onchain dollars to the app brings back consistent returns and pulling money out when I need it is as simple as it gets.”
“I transferred an old wallet I forgot about over to Otus and was stoked to see returns coming in after only a few days. Don't know why I didn't do this sooner.”
“My dad's the reason I got into finance in the first place — he always taught me to be smart and safe with my money. It feels great to finally have something I can actually tell him about.”
Get richquick, no —boring.
Your money should work as hard as you do. Or harder, honestly.
Free on iOS and Android · Join in less than five minutes · Withdraw anytime
Still have questions?
Straight answers, no fine-print energy. The longer list lives on the FAQs page.
See all FAQsCan I withdraw anytime?
Yes. Anytime. No lock-ups, no exit fees, no waiting periods.
Where does the income come from?
Onchain lending markets pay higher rates because they cut out the middlemen that traditional banks keep. Borrowers pay market-clearing rates directly to lenders instead of to a bank that pockets the spread. Otus gives you access to those rates without the complexity. This isn't speculative yield: it's real borrowing demand flowing through a more efficient system.
Is my money safe with Otus?
Otus is built around safety over max returns: hand-picked audited vaults, diversification across protocols and chains, continuous monitoring, independent security reviews, and balance protection designed to cover funds in a vault exploit. It isn't FDIC-insured, and rates vary and aren't guaranteed. The approach is deliberately conservative.
What's the difference between free and Guardian?
The free tier gives you a clean, mobile-first way to deposit into audited stablecoin vaults and generate income. You choose the vaults, you manage the allocations, you claim rewards manually. It's everything you can already do in DeFi, just with a better interface. Guardian is the full autopilot: our agent handles allocation, rebalancing, diversification, reward harvesting, and continuous monitoring, plus access to Investment Accounts when they launch. Free lets you drive. Guardian drives for you.
Not ready to deposit yet? Stay in the loop.
The Otus Briefing is a short, calm read on where idle cash is finding the best yield. Curated rates, plain-language commentary, and the occasional opinion.
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