Your Savings Are Losing Money Every Year.
Earn up to ~5% APY with Paxify. Withdraw anytime. No complexity.*
Why Traditional Savings
No Longer Work
The math is simple. And it's not in your favor.
National average savings rate
Target variable APY
The difference: With Paxify, you're $450 ahead after just one year.
How It Works
Getting started is simple. No complexity, no jargon.
Sign Up
Create your account in under 2 minutes. No complicated forms or endless verification.
Deposit
Add funds to your account. Your money starts earning up to ~5% APY immediately.
Watch It Grow
Track your earnings in real-time. Withdraw anytime with no penalties or lockups.
See what your money
could be doing.
Don't let inflation eat your savings. Compare Paxify with a traditional bank account.
* Comparison based on the national average savings rate of 0.46% (FDIC, 2024) versus Paxify's target variable APY of ~5%. Actual returns may vary.
Paxify vs Traditional Banks
See how we compare side-by-side
| Feature | Traditional Bank | Paxify |
|---|---|---|
| Annual Percentage Yield | 0.5% | ~5%* |
| Withdrawal Speed | Instant | Instant / T+1 |
| Global Access | Limited | Yes |
| Minimum Deposit | Often $100-$1,000 | $0 |
| Monthly Fees | $5-$15 | $0 |
| Lockup Period | None | None |
What You Should Know
We believe in complete transparency. Here's what you need to understand before joining.
Returns Are Variable
Our current target is ~5% APY, but this is not guaranteed. Returns fluctuate based on market conditions.
Not a Bank Deposit
Paxify is not a traditional bank and deposits are not FDIC insured. We use assisted self-custody for your security.
Conservative Strategy
We generate yield through conservative sources like money market funds and U.S. Treasury securities. No speculative trading.
No Lockups
Withdraw your funds anytime with no penalties. Your money remains accessible when you need it.
Security & Safeguards
256-bit encryption protects your data
Real-time security monitoring
Third-party security audits
Trusted by Savers Worldwide
Join thousands who've already made the switch to savings that actually work.
Priya Sharma
Software Engineer
Mumbai, India
"I was tired of watching my savings lose value to inflation. Paxify finally gives me returns that actually beat the cost of living. Setup took 5 minutes."
Marcus Johnson
Small Business Owner
Chicago, USA
"My business savings were sitting in a bank account earning nothing. With Paxify, I'm earning ~5% APY while keeping full liquidity. It's a no-brainer."
Sofia Rodriguez
Marketing Manager
Mexico City, Mexico
"Living in a country with high inflation, having access to USD savings that actually grow is life-changing. Paxify makes it simple and transparent."
Ahmed Hassan
Freelance Designer
Dubai, UAE
"I love that I can withdraw anytime without penalties. It feels like a regular savings account, but with returns that actually make sense in 2024."
Michelle Chen
Product Manager
Singapore
"The transparency is what sold me. No hidden fees, clear risk disclosure, and I can see exactly where my yield comes from. Finally, a fintech company that respects my intelligence."
Jennifer Williams
Financial Advisor
London, UK
"I've recommended Paxify to several clients who want better returns without locking up their emergency funds. The conservative yield strategy gives me confidence."
Ryan Nguyen
Startup Founder
San Francisco, USA
"We keep our company's runway in Paxify. Earning 5% on cash reserves while maintaining instant access is exactly what we needed."
Aisha Thompson
Nurse
Toronto, Canada
"I'm not tech-savvy, but Paxify made it easy. No complicated jargon, just a straightforward savings account that pays me what I deserve."
David Miller
Retired Teacher
Melbourne, Australia
"After retirement, every dollar counts. Paxify helps my savings keep up with inflation without taking unnecessary risks. The peace of mind is invaluable."
Priya Sharma
Software Engineer
Mumbai, India
"I was tired of watching my savings lose value to inflation. Paxify finally gives me returns that actually beat the cost of living. Setup took 5 minutes."
Marcus Johnson
Small Business Owner
Chicago, USA
"My business savings were sitting in a bank account earning nothing. With Paxify, I'm earning ~5% APY while keeping full liquidity. It's a no-brainer."
Sofia Rodriguez
Marketing Manager
Mexico City, Mexico
"Living in a country with high inflation, having access to USD savings that actually grow is life-changing. Paxify makes it simple and transparent."
Ahmed Hassan
Freelance Designer
Dubai, UAE
"I love that I can withdraw anytime without penalties. It feels like a regular savings account, but with returns that actually make sense in 2024."
Michelle Chen
Product Manager
Singapore
"The transparency is what sold me. No hidden fees, clear risk disclosure, and I can see exactly where my yield comes from. Finally, a fintech company that respects my intelligence."
Jennifer Williams
Financial Advisor
London, UK
"I've recommended Paxify to several clients who want better returns without locking up their emergency funds. The conservative yield strategy gives me confidence."
Ryan Nguyen
Startup Founder
San Francisco, USA
"We keep our company's runway in Paxify. Earning 5% on cash reserves while maintaining instant access is exactly what we needed."
Aisha Thompson
Nurse
Toronto, Canada
"I'm not tech-savvy, but Paxify made it easy. No complicated jargon, just a straightforward savings account that pays me what I deserve."
David Miller
Retired Teacher
Melbourne, Australia
"After retirement, every dollar counts. Paxify helps my savings keep up with inflation without taking unnecessary risks. The peace of mind is invaluable."
Is This Right For You?
Common questions from people considering Paxify
How does this work?
Paxify works like a modern savings account with better rates. We use innovative financial technology to access higher-yielding investments that traditional banks keep for themselves. You deposit dollars, earn interest, and withdraw anytime—simple as that.
Is my money safe?
We use a conservative investment strategy focused on money market funds and U.S. Treasury securities—not speculative trading. Your funds are protected with bank-level encryption, 24/7 monitoring, and regular third-party audits. However, this is not a traditional bank deposit and is not FDIC insured. Please review our risk disclosure for full details.
Can I really withdraw anytime?
Yes. There are no lockup periods and no withdrawal penalties. Most withdrawals are instant, with some taking up to 1 business day (T+1) depending on market conditions. Your money remains accessible whenever you need it.
Are the returns guaranteed?
No. Returns are variable and not guaranteed. Our current target is ~5% APY, but this can fluctuate based on market conditions. We prioritize transparency and conservative design over unrealistic promises.
Who is Paxify for?
Paxify is designed for anyone who wants better returns on their savings. It's ideal for people with savings sitting in low-yield bank accounts, those looking to protect against inflation, and anyone seeking global access to high-yield savings accounts.
Finally, A Savings Account
That Makes Sense
No jargon. No complexity. No losing money to inflation. Just better returns on your dollars, whenever you need them.
Join 23,475+ Smart Savers
Be among the first to experience savings that actually work. Limited spots available for founding members.
Get early access + free inflation calculator. No spam, ever.