Earn up to 10% APY
Your balance compounds in real time at the protocol's best available rate. No tiers, no minimums.
Coming soon · iOS & Android
APTree is your high-yield savings app.
Save in dollars and earn up to 10% APY, funded with the mobile money you already use.
Coming soonApp Store
Coming soonGoogle Play
Be first in line, join the waitlist
What it does
Save with confidence.
Move your money into a high-yield USDC vault, earn up to 10% APY in real time, and pull it back whenever you need. No minimums, no monthly fees, no surprises.
Top up in seconds
Fund directly from M-Pesa, Airtel Money, MTN MoMo, or a bank transfer. No card numbers, no SWIFT codes.
Always liquid
Lock for the headline rate, unlock anytime. No penalty period, no waiting on Friday.
Total Balance9.8% APY
$1,240.00+$124.00 earned
Available to lock$1,240.00
Performance
Watch your money grow, day by day.
Track your money's compounding rate, share price, and inflow across 7 days, 30, 90, or the full year. Nothing buried, nothing rounded past usefulness.
Real-time growth rate
See your money compound every second, not every quarter or statement.
Daily snapshots
Money moving in and out tracked to the day, charted alongside your yield.
Full transparency
Every transaction, every yield event, every rate change, visible in-app.
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Growth rate
9.8% per year
1.046234Local rails
Built for where you are.
Save the way Africa already moves money. Top up in your local currency, save in dollars, withdraw back to the same wallet that funded it.
Six countries, one account
Kenya, Nigeria, Ghana, Uganda, Malawi, and DR Congo at launch. More on the way.
Mobile money native
Safaricom, Airtel, MTN, AirtelTigo, Orange. The rails you already use, integrated end to end.
No bank account required
If you have mobile money, you have an APTree account. KYC handled in under a minute.
🇰🇪
KenyaSafaricom or Airtel
KES🇳🇬
NigeriaBank transfer
NGN🇬🇭
GhanaMTN MoMo or AirtelTigo
GHS🇺🇬
UgandaMTN or Airtel
UGXTwo modes
Simple, or as deep as you want.
Stay in Simple and treat it like a savings account. Switch to Advanced when you want multi-chain transfers, bridging, and exportable keys.
Simple mode
Add. Earn. Withdraw. That's the whole interface. Recommended if you're new to this.
Advanced mode
Multi-wallet support, cross-chain bridging on USDC, and full key export when you want custody.
Switch anytime
From the settings menu. Your balance and history follow you across modes.
Simple
A savings account. Add money, watch it earn, take it out. Recommended if you're new to this.
Advanced
Full control. Multiple wallets, cross-chain transfers, export keys.
10%Up to, in APY
$0In monthly fees
60sFrom M-Pesa to earning
6African countries at launch
Be first in line.
Join the waitlist for early access. We'll let you know the moment APTree goes live in your country.