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Take your investing to new heights

Fight inflation with an investment that offers industry leading yields with no lock-up periods or management fees.

Now accepting accredited businesses and individuals.

Get Started
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The PennyWorks app

Returns Since Inception

As of Q3 2023

PennyWorks1

All clients

7.87%

Bond Market

Taxable Investment-grade U.S. Bonds2

-8.76%

Stock Market

S&P 5002

-3.03%

1 PennyWorks inception date is 4/18/22.
2 See our full disclosure on how these figures are calculated.

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An income investment
like no other

PennyWorks has delivered consistent stable returns in a volatile market, handily beating established products such as index and bond funds.

Low risk investment
on a secure platform

With decades of experience in fixed-income investing, we've built a system that delivers daily returns through the use of collateralized lending on digital asset lending platforms.
Learn how it works
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It’s easy and hassle-free

Sign up in less than five minutes and start earning yield immediately.

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Investing without sacrifice

Get industry leading yields with the flexibility of cash.
The best of both worlds, right at your fingertips.

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Secure

We use industry-leading security solutions and Multi-Factor Authentication (MFA) to safeguard your account.

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Simple

Set up and fund your account in just a few minutes to start earning passive income.

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Powerful

We leverage blockchain technology to minimize risk and reduce overhead, putting more money in your pocket.

What our investors say

I’m impressed with how easy PennyWorks was to use. I would recommend to anyone who is looking to enhance their yields.

Fiona Z

Investor since April ’22

A hard lesson was learned when Celsius locked my withdrawals in early 2022 and kept all my investment in limbo. On the other hand, PennyWorks provides the confidence to its investors by providing the flexibility to invest as well as withdraw any amount, at any moment.

Josh L

Investor since April ’22

PennyWorks has one of the most intuitive, easy-to-understand interfaces I've ever used. It's the rare tool I actually look forward to using on a regular basis!

David T

Investor since April ’22

Which type of investor are you?

See why PennyWorks is perfect for you.

Which type of investor are you?

See why PennyWorks is perfect for you.

Start Investing