Your lira turns into dollars and earns in the vault.
Three steps, all inside the app.
Add lira
Pay by card and it arrives in your wallet as USDC, a digital dollar. You see the fee before you pay.
Put it to work in the vault
One tap moves your USDC into USDC Core, where it is lent to borrowers. The fees they pay become your earnings.
Withdraw any time
No lock-up. Your USDC comes back to your wallet, and you can send it to any address you like.
New to this? Here are the four names you will see.
No jargon needed. This is everything Sava is built on.
Sava
A savings app, not a bank. It gives you a wallet, helps you fill it with dollars and puts them to work if you ask.
Sava never holds your money. It only prepares each step and you approve it.
USDC
A digital dollar. 1 USDC is meant to equal 1 US dollar, backed by cash and short-term US government bonds held by its issuer, Circle.
So your savings follow the dollar, not the lira.
Stellar
A public payment network, running since 2014. Your wallet is an address on it. Transfers settle in seconds for a fraction of a cent.
Every balance and transfer is public, so anyone can check them.
USDC Core
A lending pool on Blend, an open-source lending protocol on Stellar. Savers put USDC in, borrowers take loans out and pay a fee for them.
Sava uses this one pool only, after reviewing it.
What happens to your money in USDC Core?
It works like a savings pool. Here is the whole cycle.
Where does your money go?
The risks, plainly.
The rate moves
It can drop to zero.
Loans can go bad
The pool can take a loss.
Withdrawals can wait
When the pool is fully lent out.
Code can fail
Transfers can’t be undone.
Questions
Is Sava a bank?
No. Sava is not a bank and does not give financial advice. Your savings are not protected by any state insurance scheme.
What if Sava shuts down?
Your money stays in your wallet. You can withdraw it with any Stellar wallet that supports Blend.
Do I need to know crypto?
No. Sign in with an email code, Google or Apple. There is no password or recovery phrase to keep.
Can I convert back to lira?
Not inside Sava. You can send your USDC to any Stellar address, for example an exchange account.