Stop leaving money on the table.

Earn up to 5.25% with decentralised finance powered savings.

✅ 0 fees. Fullstop
✅ no lock in period
✅ 3 minute set up


Why invest with DeZy?

Confused about the difference between bitcoin, stable coins and decentralised finance? 
DeZy is a FinTech company focused on simplifying access to the benefits of decentralised finance. 
Now you can grow your wealth with DeFi protocols without having to understand the intricacies of blockchain.
5.25% annual percentage yield

With one of the most attractive annual percentage yields in the market, DeZy helps you save for the future you deserve.
Returns that compound daily

Each day that you leave your deposit in DeZy, your interest compounds. Check out our calculator to see how much you could save.
Withdraw anytime you want

With DeZy there’s no lock in period, which means you can withdraw your funds anytime you need.
0 fees. Fullstop.

Sick of hidden fees? Invest with DeZy for a zero fee structure that gives you the most upside.
One click deposit

Forget complicated blockchain transactions. Deposit your funds with one click and watch your savings compound over time.

See what you can save with DeZy

See how much you save with 5.25% a year and 0 fees.


What happens with your money?

You top up your DeZy account with Singapore Dollar (SGD) using PayNow. 

DeZy takes care of the foreign exchange and blockchain transaction costs to get this SGD into stablecoins pegged to USD value. 

These stablecoins then automatically grow your wealth within decentralised finance (DeFi) protocols. 

How does DeZy work

How does DeZy generate 5.25% yield?

When you invest with DeZy your funds will be converted to stablecoins, pegged to USD value.

DeZy generates yield by deploying these stablecoins into decentralised protocols where yields are generated through over-collateralised lending, borrowing and other similar activities.

Decentralised finance offers unique investment opportunities to a retail investor due to the high levels of demand in the industry and the removal of the traditional middle man. This is how DeZy is able to beat yields offered by traditional banks or associated services. 

Does the yield change or fluctuate?

Our team is committed to keeping your DeZy returns stable. We will inform you in advance if we expect any changes in your expected yield. Keep in mind, there’s no lock-up period for your deposit so you can withdraw at any time.

What is the minimum deposit?

The minimum initial deposit value is $200 SGD. All subsequent deposits are at a minimum of $300 SGD.

A per transaction maximum is currently set at $1000 SGD. At this stage, customers are capped at $5,000 SGD as a total deposit on their account. We will aim to increase the total deposit amount over time.


Does DeZy expose me to cryptocurrency assets like bitcoin and ethereum?

Your funds will not be exchanged to cryptocurrencies with volatility such as Bitcoin or Ethereum. DeZy offers a service where you deposit Singapore dollars to purchase stablecoins pegged to US dollar value. We take care of the foreign exchange and transaction fees so you don’t have to worry about them. These stablecoins are distributed into various DeFi protocols to generate yield.

This means that market price fluctuations in these crypto assets such as Bitcoin and Ethereum do not change the yield you can expect from your deposit with DeZy.

Where and how is my money being deployed?

DeZy is fintech focused on the technology layer that converts Singapore dollars into stablecoins and automatically deploys funds into a range of decentralised finance protocols.

DeZy does not take custody of your funds, and will never be in a position to be able to withhold withdrawals. 

Why use DeZy? Am I able to deploy my funds into DeFi protocols myself?

Unfamiliar with stablecoins, blockchain transactions, digital wallets and other cryptocurrency industry-specific technology?

DeZy offers a streamlined, one-click onboarding for users interested in the benefits of decentralised finance.

How does DeZy make money without charging fees?

DeZy’s business model comes from the spread generated on top of the 5.25% APY we offer to our customers.

We handle foreign exchange and transaction fee costs so that our users don’t have to worry about them.

This keeps our team incentivised to ensure the most stable and consistent rates are made available to each of our customers.

What are the risks involved in investing with DeZy?

Decentralised finance is an emerging field, and comes with its own risks. Funds can be lost due to underlying protocol failures, smart contract risks, hacks or other similar issues.

DeZy is prioritising protecting our customers from these risks by introducing direct and underlying insurance on all funds deposited. This will be implemented in the near future.

Total account deposits are limited to $5,000 to ensure safety and stability of all customer risk profiles. Please always be mindful of your risk exposure and appetite. 


Which payment methods are supported?

You can currently top up your account with PayNow. We will be adding more payment methods in the future.

Are you regulated by MAS?

DeZy is not currently licensed by MAS.

We do not handle custody of any of your money. In financial systems, a custodian is a financial institution that holds customers' funds for safekeeping.

All transactions through DeZy are processed using automation and programatic processes. We have worked with our Singapore based legal team to ensure that our service is well structured. Instead we use technology as a means to secure, and distribute your funds across a range of high yield decentralised finance protocols.

Getting started on DeZy

Why do I have to submit a video of myself as part of the getting started / KYC process?

KYC (Know Your Customer) is a mandatory process so as to ensure authenticity of individuals depositing funds into DeZy. This data is used to comply with KYC requirements in the industry and to ensure the safety of all customers making use of the service.

We will consistently work towards making the KYC process as smooth as possible so as to ensure ease of use. DeZy does not store your identification information on our systems and they will only be used to comply with KYC requirements from regulators.

Why does the site say I am buying crypto when making a payment? Why do I need to write crypto for my KYC?

With DeZy you are not buying, nor being exposed to Bitcoin, Ethereum or other volatile cryptocurrency tokens. Instead, your deposited funds will be converted into stablecoins. Stable coins are digital representations of your dollar. These stablecoins are then distributed across various decentralised finance protocols to generate yields. 

Our site says you are buying crypto when making a payment due to the fact that all tokens in the industry are referred to as crypto. Keep in mind, with DeZy, you will only be exposed to stablecoins.

Decentralised Finance

What is decentralised finance (DeFi)?

Decentralised Finance is a blockchain-based rethinking of the finance structure that removes the need for central financial intermediaries such as brokerages, exchanges or banks. Instead, decentralised finance instruments utilize smart contracts or blockchains, the most common being Ethereum.

What is a stablecoin?

Stablecoins are a new class of cryptocurrencies that bring price stability to the cryptocurrency market, and are backed by a reserve asset.

They offer both the instant processing, security and privacy of payments known to cryptocurrencies, together with the volatility-free stable valuations of fiat currencies. 

What is an annual percentage yield (APY)?

Annual percentage yield is the rate of return that will be earned over a year if interest is compounded. Compounding means the periodic addition of interest accrued to the balance. This means that each interest payment will be larger than the one before, based on a higher balance.

With DeZy your interest is compounded daily.

What is decentralised finance (DeFi)?

What is an annual percentage yield (APY)?

Annual percentage yield (APY) is the rate of return that will be earned over a year if interest is compounded. Compounding means the periodic addition of interest accrued to the balance. This means that each interest payment will be larger than the one before, based on a higher balance.

With DeZy your interest is compounded daily. 

What is an annual percentage rate (APR)?

Annual Percentage Rate (APR) does not take into account the compounding of interest within a specific year. Annual Percentage Yield (APY) on the other hand takes into account the frequency with which the interest is applied, and the effects of intra-year compounding.

Put simply, APY is the projected rate of return based on calculating your initial investment and all of the interest payments added onto your balance. This is the more useful metric between the two to help you understand how much savings you will get on your deposit each year. 

What is the difference between APY and APR?

Annual Percentage Rate (APR) calculates the percentage you will make on your deposit each year without taking into account the compounding of interest within the year.

Annual Percentage Yield is a more useful metric for understanding how much you will make on your deposit.