INFORMATION

Updated:
Version:
3.0.7
Size:
71.7 MB
Category:
Finance
Required:
iOS
Rating:
Publish:
2022-04-14
Price:
Free
Developer:

WHAT'S NEW

What's new in Donut? - Transaction activity feed: you now have more info about recent transactions. - Always improving: performance enhancements and bug fixes. If you enjoy using Donut, please leave us a review!

Donut App SCREENSHOT

【图】Donut: Earn 8% APY with DeFi(截图1)【图】Donut: Earn 8% APY with DeFi(截图2)【图】Donut: Earn 8% APY with DeFi(截图3)

Donut App DESCRIPTION

Donut is the easiest way to work your money harder & earn 8% APY. Invest directly from your bank and earn 20x more interest with the power of DeFi.

Supported by world class investors and featured in Forbes, TechCrunch, a16z and Coindesk.

HOW IT WORKS

When you deposit money from your bank, Donut automatically converts your US dollars to digital dollars (stablecoins such as DAI).

We lend your dollars in decentralized money markets where they earn a guaranteed 4% APY, rising up to 10% depending on your strategy.

DeFi lending is highly collateralized, typically over 125%. This means your principal is always covered.

Our lending partners include institutional borrowers and trusted DeFi lenders such as Yearn & Anchor.

Sit back and watch your money earn interest in real time, 24/7 with the power of DeFi.

SAVE & EARN BETTER

Select your strategy:

• Save: 4% Fixed APY. Good for predictable saving.

• Build: 5-7% APY. Perfect for building your future nest egg.

• Grow: 8-10% APY. Designed for capital growth.

Add funds or withdraw to your bank at any time. There are no lock-ins or annual commitments.

Schedule Recurring investments and Collect your spare change from everyday purchases.

Invite friends and receive a +1% APY Boost for 30 days when they make their first deposit.

IS DONUT SAFE?

• Donut is a high-yield, fixed income product powered by DeFi lending.

• Lending on Donut is highly collateralized, typically 125-200%, meaning your principal is covered.

• Accounts on Donut are not FDIC insured and therefore not zero-risk.

• We use the highest security standards: AES-256 alongside 2FA and personal PINs.

• We partner with industry leaders, Plaid and Evolve Bank & Trust (Member FDIC), to ensure secure deposits and withdrawals.

• Our trusted lending partners include Yearn & Anchor, who safely manage over $10 billion in assets.

LEARN MORE
https://www.donut.app

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Donut App DOWNLOAD

App StoreOfficial Website

App REVIEWS

DrJBartl..

I’ve used this for about about 6 weeks. $88 interest so far and probably about 4 cents interest with those same funds sitting in my bank where they used to be if I left them there. I’m moving all “rainy day” funds here. Simple flawless setup between app and my bank. One suggestion could be if it was possible to have sort of different saving/fund categories to sort of mentally divide up funds. Not needing actual different accounts but a visual split up of the funds into categories we can name such — to call Maybe summer trip or kids braces or new car, etc. can all be one actual account still but a way to see different sub groups.

Mendozia..

Everyone should have a Donut account. This is the greatest app ever. I get a greater return than I was with my other financial institutions. Don’t be afraid , it’s safe and you are making a fantastic return on your money. Thank you to all the Donut employees, I truly love you.

Rong

UPDATE: Neel helped me resolve the issue with my account and I got my money back. They are good people, tho there is still room for improvement of this app. If your account gets locked like what I encountered, don’t worry. This is not a scam. The customer service will help you.

andyrew1..

Loving the ease of using the app, and making a great APY. Do not like that it took 2 weeks for my money to go into my bank account after a withdraw.

KassMeds

I have had this app for less than a month and now I’m locked out of my account and no one will respond. I have only added funds once and have never withdrawn. This does not make me feel safe at all investing my money when I can have access to even see it.

luminous..

Just a blank screen. Have reinstalled, still nothing. Please advise.

Maasgari..

I've been burned by higher yield savings companies and apps before, so I was skeptical about Donut but willing to give it a go. Donut is amazing! Clean interface, great help section, and the APY is FAR better than what I can get from my bank. Highly recommended!

wdcz116

Donut will scam you out of your money. After taking your money they claim you have an account issue. Then they will tell you they will send you a check for your money in 3 weeks once your account settles. Beware this appears to be a total SCAM. The listed phone number doesn’t even ring.

ohheyits..

I’m pretty impressed. Earned almost $125 in interest in a month. I sent money back and forth from my account all month in various amounts and it was always withdrawn within 2 days, even the large withdrawals! I was a little worried that they’d hold up withdrawals but that doesn’t seem to be the case at all, so I feel comfy leaving money there. I wouldn’t stick your retirement in there but for some short term savings, it seems to be a great strategy to make some excess cash work for you. I’m happy with the month I tested it and will continue to use it. The only thing I’d suggest is a more robust explanation of the safety of funds, like explaining the collateralization aspect and how that’s truly safe when the backed asset is essentially theoretical. Also it says your PRINCIPAL is safe which makes me wonder if they’ll claw back interest if things go wrong. Anyways, good for now!

brianky

I’ve been using it a few months now. Loving the interest earned. I’ve made a single withdrawal and had no issues with it. I’d imagine that would be true for continuous withdrawal. Would recommend based on experience so far

FuzzieBr..

I think this platform created by Donut is great when comparing to traditional banks. Setup was easy and seamless. It was very easy to deposit my fund and start earning interest immediately even before the fund hit my account. It was easy to withdraw and transfer funds from Donut to my bank account. The only lacking from Donut is their support. It took them over 2.5 days to answer my question about tax documentation. I did found a phone number but couldn’t connect each time I called the number. Which defeated the purpose of phone support. Apparently Donut is not providing their customers with 1099-INT like most financial institutions would. They only provide a CSV file (spreadsheet) for their customers to figure out how much interest earned and how taxes you have to pay. To my understanding this is not a standard procedure. You have to understand IRS is an organization which only recognize forms created by IRS itself. IRS don’t recognize CSV form as a proper documentation to file or report your income tax. I’m curious to know how is Donut reporting our earned interest to the IRS? Do you submit a CSV file to IRS? Btw, how is a technology driven company in 21st century only provide support via email? No live chat, no video chat and no phone support! With the speed of broadband all over the world and the advancement of technology and yet I still have to wait for my question to be answer within 24 hours and only via email. It boggles the mind don’t you think?

roxon

Been using Donut for about 8 months now. Super friendly and responsive help desk. Super easy app to use. Most of all, I love the returns I am earning!!! Lots of people missing out on this gem.

QuocVinh

I am skeptical. Afra

Cuppie55..

You can’t park all your cash in a savings account earning 0.05% interest and hope to keep up with inflation. Donut adds huge returns - compared to the average savings account. I don’t have all my money here but a part of the nest egg that likely will never be needed. Earning 8% interest with zero effort. Very confident in the security of the app and their collateral process after talking to someone at Donut. They explained everything which made me comfortable enough to double my account balance after that discussion ended.

gerad53

Am so disappointed i place a withdraw on my donut for past some days now My funds didn’t hit my bank up till this present moment it’s still processing.. what’s that happening?

Jdbusa

Can’t say enough about this app. Interface is slick and easy to navigate, data is spot on and it’s easy to get your money in and out of the app. What other app lets you start earning interest the moment you deposit it? I’ve used some where it take almost a week to show up. They’ll randomly boost their rates for a period of time so I’ve been earning 13% for the last couple days. My only fear is how long these rates will last and I feel like they’ll eventually have to drop them but, until then, this is where I park my extra cash.

gtselios

The app is very easy to use they offer spare change round up too and weekly to biweekly deposits. The apy is better than any other bank I’ve used. If you’re looking for a savings account this is for you. They have three tiers of percentage all the way up to 10%

zonetbon..

So far very easy to get started see how it goes in time

Palmersh..

03/2022 the app is super well layed out and customer service has been excellent . So far so good , let’s hope it stays this way !

Alexshif..

Easy to use. Friendly interface. Would like to see more in underlying investment strategy and activities- more disclosure.