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The Future of Yield

Return Finance is a user-friendly savings application that lets you earn high Annual Percentage Yield (APY) on your Euro and U.S. Dollars from DeFi markets.

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Technology Partners

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Why Choose Us

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    High returns
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    Low minimum deposit
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    No monthly service fees
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    No lock-up period
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    Secure, transparent and decentralized
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    Quick access and easy withdrawal

Our Investors

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Turn your savings into a source
for passive income

Return offers a simple and secure way to make your money work for you.

Calculate your potential earnings

This calculation is based on 6.5% APY and it’s for informational purposes only. i The APY provided in this calculator serves only as an illustration. For the actual APY, please refer to the Return Finance app. APY, or Annual Percentage Yield, represents the projected earnings on a deposit account over a year, based on the past 30 days' performance.

Currency

Initial Deposit

$

Frequency

Top Up Deposit

In 1 month you will be earning In 1 year you will be earning In 2 years you will be earning In 3 years you will be earning

With Return

6.5% APY Earned

With a bank

0.05% APY Earned

It only takes a minute to sign up!

Return is the fastest and simplest way to put your money to work.

1. Create and verify your Return account
2. Add money & start earning
3. Withdraw anytime you want

Try the Return App

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A better way to maximise your savings

In an era of high inflation and low bank interest rates, the lucrative opportunities in Decentralized Finance (DeFi) present a compelling alternative for your savings. Return Finance democratizes access to DeFi earning opportunities through a two-tier system: offering solid yield right out of the box with Return Lite, and enabling you to customize even high yields in Return Pro.

Learn more about Return Pro

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Your money is safe

Return is a fully regulated fintech company, holding a Virtual Assets Service Provider authorization in the EU and an SRO membership with VQF/FINMA in Switzerland. We work exclusively with recognized and regulated partners, employing the latest security and cryptographic standards. This ensures our product is not only compliant but also secured through our suppliers.

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As featured in

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Get to your savings goals faster!

Accelerate your savings for your children's tuition, dream home, car, and anything else you desire.

Web App

App Store Play Store

Frequently Asked Questions

What currencies does Return Finance support?

Currently, you can make deposits in both fiat currency – Euro and U.S. Dollar, and stablecoins – USDC (EURC coming soon).

How can I add money to my Return Finance account?

You have several options for adding funds to your account, based on your chosen currency. For fiat currencies, you can use a bank transfer, bank card, or popular payment methods like Apple Pay and Google Pay. Alternatively, you can directly deposit USDC (with EURC coming soon), and we’ll provide you with a personal wallet on a layer 2 network.

Do I have access to my money once I deposit?

There’s no lock-up! You retain access to your deposits and the generated yield, and can withdraw your money at all times without additional fees.

Is Return Finance a regulated company?

Return Finance is authorized in the European Economic Area as a Virtual Asset Service Provider (VASP) by the Financial Crime Investigation Service (FCIS) of Lithuania. Our license allows us to operate in all 27 EU member states and ensures we follow strict KYC and AML/CTF procedures.

Is Return Finance a secure service?

Your assets’ safety is paramount. To make our application robust and reliable, we’ve built an institutional-grade infrastructure, and we partner with industry-leading RegTech companies like SumSub, Moonpay, Chainalysis, and Circle. We employ two-factor authentication and achieve regulatory compliance through leak-proof AML and KYC checks. The Return smart has been rigorously audited by weiChain. For transparency, we invite you to inspect the audit at https://docs.return.finance/audits

Risk Warning

Investments in stablecoins, crypto-assets, and decentralized finance (DeFi) products are not risk-free. These investments can be subject to significant market volatility and other risk factors. Please refer to our risk factors for further information.