Higher Yields + Lower Risk = Innovative Investing
No more inflexible fixed-income money traps. PennyWorks puts your money (and interest) first.
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Secure. Flexible. Profitable.
Earning has never been easier.
It works in the consumer market– now PennyWorks is providing enterprises a reliable alternative to cash management and low-yield products. We don’t need to lock your capital away for years at a time. With our digital asset lending strategies, we help you combat inflation and create stable yields with daily liquidity. Investors can:
Easily invest your U.S. dollars
Earn interest DAILY
Access your funds at any time
Better than Traditional Enterprise Investments
PennyWorks wants to support your treasury management solution. We engage in collateralized lending of highly liquid digital assets to maintain a low-risk profile for your business. Redeem funds at any time while earning an annualized yield from 4-6% on your cash.
Frequently Asked Questions
Our goal is to help you grow your financial confidence and most importantly, your investments. But first, let’s start with the basics.
What is PennyWorks?
PennyWorks is a high-yield, low-risk investment platform that offers daily compounded interest. We crafted an experience that is secure and user-friendly while still allowing your investment income to grow.
How do I know my money is secure?
Our platform keeps your account credentials and funds secure through multiple risk mitigation strategies. Your money is also put to work in loans where borrowers are required to put up assets that are worth more than the currency they borrow. This collateralization dramatically reduces risks for the lender.
How is the APY calculated?
Our APY rates vary based on how much you invest in your account and the time between redemptions. We quote APYs instead of rates because APYs take the effects of compounding into account. For example, $100 invested for 1 year at an APY of 5% earns $5 of interest. Contact our team for APY breakdown.
How is it different from alternative investment platforms?
Unlike traditional investments, PennyWorks leverages blockchain technology to offer you high yields and security without lock up periods. We're also different from the wide field of new DeFi providers because we’re based in the U.S., so we're held accountable to U.S. regulations and follow strict risk management protocols.