Frequently asked questions.
Straight answers on what Otus does, how it earns, what it costs, and how your money is kept safe.
Otus is a smart savings and investing app that automatically finds the best places to grow your money. You deposit, and Otus takes care of the rest: finding opportunities, moving your funds, and earning returns on your behalf.
Anyone who wants their money to do more without having to become a financial expert. We built Otus for people who care about their financial future but don't have the time, energy, or access to optimize it themselves.
Otus connects you to crypto money markets: lending and savings protocols where borrowers pay interest directly to lenders. Because these markets have fewer intermediaries than traditional banks, more of the return goes to you. Rates are market-driven, not promised, and your funds are placed in established, audited protocols.
No. Otus handles everything behind the scenes. If you can use a savings account, you can use Otus.
Banks pay you a fraction of what your money actually earns and keep the rest. Otus cuts out the middlemen so more of the return goes to you.
Otus isn't a bank and isn't FDIC-insured. It's an automated income tool that puts your idle cash to work through diversified, audited stablecoin vaults. Think of it less like a savings account and more like having a portfolio manager for your cash, one that costs $10/month instead of 1% of your assets.
Withdraw anytime. No lockups, no waiting periods. Funds typically arrive within minutes.
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.
The free tier costs $0, forever: deposit into audited, vetted vaults, withdraw anytime, with full transparency on rates and allocations. Otus Guardian is $10/month flat, no percentage of assets, and puts everything on autopilot: automated rebalancing across vaults, protocols, and chains, auto-diversification, auto-harvesting of rewards, and access to the Smart Investment Account when it launches.
Yes. Upgrade anytime, downgrade anytime. When you downgrade, your funds stay in whatever vaults they're currently in. You just take over manual management. No penalty, no lock-in.
To make the most powerful financial tools in the world accessible to everyone, not just the wealthy or the technically savvy.
