Web App
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The simplest way to earn yield on DeFi

Return Finance Lite is a user-friendly high yield savings app that gets you earning bank-beating returns on your Euro and U.S. Dollars in no time.

Web App

App Store Play Store

Or
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Why Choose Us

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    Market-beating 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

The easiest way to beat inflation and your bank’s low interest rate

The average bank savings account offers 0.5% interest and with the current high inflation rate, your savings lose value every day they stay in the bank.

# Up to 10% Annual Percentage Yield
  • # 0.50%
  • # 0.10%
  • # 0.30%
  • # 0.50%
  • # 0.50%

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 15% 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 daily 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

€

15% 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 your Return account
2. Verify your identity
3. Add money & start earning
4. Withdraw anytime you want

Try the Return App

return_finance_intro_screen_iphone return_finance_intro_screen_iphone return_finance_intro_screen_iphone
return_finance_verification_successful_iphone return_finance_verification_successful_iphone return_finance_verification_successful_iphone
return_finance_lite_usd_account_iphone_1 return_finance_lite_euro_account_iphone_1 return_finance_lite_usd_account_iphone_1
return_finance_withdraw_usd_iphone return_finance_withdraw_euro_iphone return_finance_withdraw_usd_iphone

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 operate a compliant service, following the most stringent anti-money laundering (AML) and counter-terrorism funding (CTF) best practices to ensure your money is safe. We work exclusively with recognized and regulated technology partners, employing the latest security and cryptographic standards. Custodial assets are insured through our wallet provider, Fireblocks.

  • regulation Regulation
  • governance Governance
  • compliance Compliance
  • kyc-aml KYC & AML
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Our Investors

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 is DeFi?

DeFi, short for 'decentralized finance,' refers to software built on a blockchain that facilitates services similar to traditional centralized financial systems, but with the advantage of decentralization. This allows users to interact with smart contracts and code instead of relying on a central authority like a bank.

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; no. 306264593. Our license allows us to operate in all 27 EU member states and ensures we follow strict KYC and AML/CTF procedures. We are also an SRO member of the Financial Services Standards Association (VQF) in Switzerland; membership no. 101140.

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. Custodial assets are insured through our wallet provider, Fireblocks. 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.