What has your bank doneTry something new.
for you lately?
Earn up to
We've Got Great Fans
"I've been in financial services most of my professional career. Linus is the simplest way to earn interest I've ever seen."
"I feel better knowing my money is working harder for me than in a regular savings account. Thanks Linus!"
"I'm currently earning 3.5% APY on my deposit with @getlinus. Go to getlinus.io to #getLinus today"
What is Linus?
Linus is not a savings account, a mutual fund, or a robo-advisor. Linus is a
new alternative to traditional cash deposit accounts.
Generate Greater Returns+3.50% APY
Than comparable cash deposit accounts.
Access Your Money AnytimeNo Withdraw Restrictions
It's easy, and there are no fees to do so.
Rest AssuredPrincipal Not At Risk
Unlike equities and other speculative assets.
A new opportunity to earn interest that you’ll actually notice.
Deposit in minutes using your debit card.
Deposit in minutes using your bank account.
A cash account you don't
need to think twice about.
Wondering where to invest your money? Online savings accounts, certificates of deposit, and money market accounts can't touch our high yield interest rate. They also come with strings attached.
With a Linus account you can earn 64x the national savings account rate, minus the fuss.
Wondering where your APY comes from?
Linus connects you to borrowers in digital asset credit markets, where demand for your cash is greater than with your bank.
Linus makes this process simple. All you need to manage is your email and password.How It Works
Smarter Choices Make Happier Wallets
See the impact of Linus on your savings.
Hover over the chart to see how the values change.
No hidden fees
We don’t take management or advisory fees, so the high yield interest you earn stays in your pocket. Seriously.
No term limits
Life comes at you fast. Unlike traditional CDs, you have access to your funds in an emergency -- exactly when you need it.
No minimum balance requirements
Open an account and maintain any balance with no fees. Get started earning a high yield interest rate with as little as $1.00.
Unlimited free withdrawals
Kick that old savings account to the curb and withdraw as many times as you need. No restrictions.
Protected and insured
Funds are protected against borrower default using collateralized assets -- 150% of the value on average -- which are insured from theft, loss, and hacks by our third-party custody provider.
Domestic support team
Our team is available seven days a week to answer your questions. Try getting a bank to do that.
Get more answers and information in our FAQs.
Do you have a mobile app?
Not yet. Deposit funds using your bank account and access your Linus account details, all on your mobile device's web browser.
Is my rate subject to change?
Yes, our high yield interest rates change from time to time. In the event that they do, we will always let you know ahead of time.
How are my funds protected?
We believe in transparency, so we want you to know up front that funds on Linus are not insured by the FDIC or SIPC. However, funds are protected by underlying collateral assets which are insured with our third-party custodian from hacks, theft, and loss.
Where is Linus available?
Currently, Linus supports users residing in the United States.