Keep your dollars. Let the yield buy the market.
Your deposit stays in dollars, working in a diversified book of stablecoin strategies. Every day, only the yield it earns is invested in tokenized US stocks on Base. Market upside, without putting your savings on the line.
Your savings do the work. The market gets the yield.
Saving and investing used to be a choice: safe and flat, or exposed and volatile. Joulity splits the two. The principal stays in dollars; only what it earns goes into stocks.
Add dollars
Sign up with your email and get a wallet in your name, with no seed phrase. Add USDC on Base; card and bank come with partners.
The engine earns
The deposit is spread across a diversified, risk-checked book of stablecoin strategies: fixed-rate, liquidity and savings-rate positions.
The yield buys stocks
Every day, the income is used to buy tokenized US stocks or an index basket you choose. Small, regular purchases smooth the entry price.
One vault. For savers, and for businesses with dollars to put to work.
Joulity Save & Invest
A dollar account whose yield turns into a stock portfolio, automatically.
- Sign up with your email: a wallet in your name, no seed phrase
- Pockets with goals: a car, a trip, a safety net
- Daily yield invested in US stocks you choose
- Try first with practice money, no risk
Joulity Vaults for business
Put your company's working cash and idle money in our vaults. Our strategies make it earn.
- For fintechs, wallets, DAOs and company treasuries
- Dollars stay in dollars, in a vault on Base
- Withdrawals confirmed within 24 hours
- Reporting your finance team can read
Choose how much of the market you want.
Every plan keeps the core in dollars. They differ only in how much flows into stocks.
Save
Your savings never leave dollars. Only the yield buys shares, so a market fall can only reduce what the yield bought.
Balance
A fifth of the deposit goes into the market on day one; the dollar part keeps feeding it every day.
Grow
For long horizons. Half in the market, half in dollars that keep buying, which softens the swings.
Your idle dollars, working in our vaults.
Fintechs, wallets, DAOs and company treasuries hold dollar balances that sit still. Deposit them in a Joulity vault on Base: our strategies make them earn, under the same rules that protect every saver.
Treasury & working cash
Money the business needs to keep in dollars, earning instead of sleeping. Withdrawals are requested and confirmed within 24 hours.
Customer float
Balances your users leave with you. Put them in our vault and share the yield with your users, without building a trading desk.
Rules in the contract
At least 40% stays on Base, rule changes wait 48 hours, a multisig signs. Every position and every dollar is reported.
Where the yield comes from.
We only run strategies whose yield we can explain: who pays it, why, and what would make it stop. Every one is measured against its source, not its advertised rate.
Fixed-rate income
FixedPrincipal tokens on Pendle lock in a known rate to maturity. The book rotates to the best risk-checked markets as positions mature.
Stable liquidity
Fees + rewardsLiquidity in dollar-only pools earns trading fees and incentives, counted at the rate a depositor really receives.
Protocol savings rate
Base layerA conservative anchor read directly from the chain. Low return, high liquidity, simple to exit.
Market-neutral carry
HedgedHedged positions collect funding-rate differences between venues. Both legs offset price moves; the spread is the return.
Opportunistic
Event-drivenWhen a quality stablecoin trades briefly below its value, the book can buy the discount and hold it back to par, only when the risk engine allows it.
What we avoid
DisciplineNo leverage loops, no unaudited forks, no yields we cannot source. Rates far above the market are treated as a warning, not an opportunity.
Rules first. Returns second.
The deposit is only as safe as the engine under it. Every position passes the same framework before it is opened and every hour while it is held.
Coin admission
A stablecoin enters the book only with deep on-chain liquidity, a transparent backing model and a clean peg history.
Exposure limits
Hard caps per strategy, per protocol, per chain and per pool. The book never becomes a large share of any market it uses.
Yield sanity check
Rates far above the market are excluded automatically. Yield that cannot be explained is treated as hidden risk.
Depeg response
Watch: stop adding exposure. Alert: reduce and exit. Each step is predefined and triggered by the risk engine.
Liquidity buffer
Part of the book stays in positions that can be redeemed quickly, so withdrawals do not force sales at a bad price.
Cost discipline
A position is changed only when the expected gain clearly exceeds the full cost of moving: fees, gas and slippage.
A stablecoin is only as good as its last trade.
The Joulity risk engine reads real executable prices and on-chain pool flows for every dollar token the book can hold. It sees a depeg forming before the price chart does.
- Executable price, not quoted priceEach coin is priced at a realistic trade size, so thin markets cannot hide.
- Pool flow signalsWhen holders rush for the exit, pools go out of balance. The engine tracks it continuously.
- Automatic responseCoins move from OK to Watch to Alert. Strategies stop adding exposure, then reduce it.
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Built so funds can only go one way: back to you.
The vault is non-custodial. The managers can trade only with allowed protocols and send money only to allowed wallets; withdrawals always go back to the owner. Nothing goes live before every control below is in place.
- Restricted executorsStrategy contracts have no destination parameter; capital can only return to its owner.In place
- Verified source codeContract source published and matched on-chain via Sourcify.In place
- Independent auditFull review of the vault, the stock purchase flow and the manager permissions by an external firm.Before launch
- Multisig and timelockNo single key; every admin change waits in a public timelock.Before launch
- Deposit capsCapacity grows step by step with the track record, never all at once.At launch
- Proof of reservesVault holdings and stocks bought readable on-chain at any time.At launch
- Emergency pauseNew deposits can be stopped instantly; withdrawals stay open.At launch
Every result, explained in three lines.
Savers and finance teams see the same thing: what was earned, what moved, and what it cost. That is also exactly what turns into stocks.
- Income: fees, rewards and fixed yield actually received
- Price effect: mark-to-market moves, shown separately
- Costs: trading fees, gas and slippage, never netted away
Proven in public before it holds your money.
Stable yield first
The vault deploys on Base. Its money goes first into established, lower-risk vaults like Pendle and Centrifuge, for a stable yield.
16+ strategies in testing
More than 16 advanced strategies run on paper, with public results. The best ones move to small, capped tests with real money.
Our first 100 users
10 to 15 savers from our own circle first, then gift referrals up to our first 100 users.
Open to all & business
After the audit: the app opens to everyone, and businesses can deposit in the vaults.
Keep your dollars. Let the yield buy the market.
Try the app with practice money today, or follow every number on the live dashboard.