Yes. Luca uses audited smart contracts, trusted DeFi protocols, and self-custody wallets. You always remain in control of your funds.

How can I earn USDC yields?

You can earn USDC yields by depositing into Luca. Our platform integrates with top DeFi protocols to generate transparent returns in real time.

Is Luca available in the US?

Yes. Luca is a global platform and can be used from the US and most other countries. All you need is USDC to get started. You can deposit USDC from any wallet and immediately begin earning yields.

Can I use Luca if I'm new to crypto?

Yes. You don't need any crypto experience or a wallet to start. Simply sign up with your email, and Luca creates a self-custody account for you, no seed phrases, no extensions. With gasless transactions, anyone can earn USDC passive income in seconds.

What is the best USDC yield available?

USDC yields vary with market conditions, but Luca automatically allocates to top audited DeFi protocols to secure competitive APYs. On top of that, we offer bonus APY rewards that can boost your returns—sometimes reaching up to 20%. Your exact yield is updated in real time on your dashboard.

USDC interest rate — grow your digital dollars

Your Dollar Account, 100% Digital

Grow your savings in digital dollars, use your Luca Card for online and in-store purchases, keep full custody of your funds

Invested Balance

$151.01158

WithdrawInvestCalculate your returns

Card

SUPPORTED BY

Your dollar account,

no permission needed

How It Works

Step 01

Create your wallet and back it up

We guide you to create a wallet with your email and securely back it up with biometrical

Secure cloud backup

We backup your private key for you on Google Cloud and Apple Cloud

Features

Open a virtual Bank Account in the US, Receive dollars

Get a countdown to your financial objectives and see the power of compounding effect

PayPal

Upwork

Payoneer

Skrill

Fiverr

Wise

Available on iOS and Android

Send and receive from your alias

Grow your savings

Always the best returns. Luca Money helps you grow your savings, watch the evolution in real time.

Invested Balance

$151.01158

WithdrawInvestCalculate your returns

Non Custodial

Your keys, your money — full custody at all times

Deposit USDC from

Binance

MetaMask

Lemon

Wallet

P2P

Powered by digital dollars

More for your money

FeaturesBankNeobanks

Generates Yield

BadGoodBest

Compound Frequency

Monthly (or none)DailyEvery second (live counter)

Cards with no issuance fee

NoYesYes

Money Availability

Slow, limitedBetter, limitedAnytime withdrawals

Minimum Balance Required

Usually $500+Often $0$0

USD Virtual Accounts

NoYesYes

Custody

They keep the fundsThey keep the fundsYou have control

Global USD Card

NoYes (high fees)Yes

Trusted By Thousands

Our community is full of people just like you — and they're watching their savings grow each day

Happy Users

La verdadera libertad financiera no pide permiso ni regala tus datos. ⚡️ Probar @lucamoneyapp me confirmó que el futuro del dinero es soberano Evolucionar numéricamente sin ceder tu autonomía es posible La herramienta ideal para quien busca hacer cosas con consciencia y visión.
Jean Carlo PorrasPosted on X
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Lo mejor de la nueva versión de LUCA es que escucharon lo que la comunidad estaba pidiendo. Gracias! ❤️
PadawanPosted on X
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Me gusta todo el proyecto de @lucamoneyapp pero sobre todo que eres 100% el dueño de tus fondos. Y esperando la tarjeta virtual y poder agregarla a Google wallet
Oswaldojgf🚀Posted on X
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Lo máximo !! 🚀💪🏻 Me encanta el y su usabilidad.
Anna Here!Posted on X
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Es por ello que recomiendo siempre utilizar una billetera de autocustodia para resguardar tus criptos. No existe forma alguna de que te los congelen o te los roben en caso de algún problema. Yo en mi caso utilizo la billetera de @lucamoneyapp que funciona con USDC
CkoPosted on X
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No nos enteramos ni nos preocupamos tampoco tenemos dolores de cabeza xq tenemos ya la mejor medicina tratamiento recetado x los mejores el Dr Luca Money la razón de uno no enterarse es x ustedes, gracias.
Gonzalo Santander.Posted on X
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FAQ

Luca is a savings app that lets you bank with your stablecoins specifically letting you earn. When you deposit USDC, it automatically earns yield through trusted DeFi platforms. Additionally Luca helps you spend your usdc globally through debit cards and other local payment methods so you get the best rate.

Yes, totally. Your funds stay in transparent, audited smart contracts, and you're always in control. You can withdraw anytime you want, no questions asked.

You can start with just 1 USDC, it's that simple.

Withdrawals are instant and secure. Just click the withdraw button in the app, enter the amount, and your USDC will be sent to your wallet.

Not at all. Luca takes care of the complex stuff so you can just deposit, sit back, and let your balance grow.

Stay in the loop

Get updates on new features and yield opportunities

USDC interest rate — grow your digital dollars

How It Works

Create your wallet and back it up

Secure cloud backup

Features

Open a virtual Bank Account in the US, Receive dollars

Available on iOS and Android

Send and receive from your alias

Grow your savings

Non Custodial

Deposit USDC from

Powered by digital dollars

Trusted By Thousands

How do I earn interest on USDC?

What is a good USDC APY?

What affects the USDC interest rate?

Can I start with a small amount?

How do I deposit and withdraw?

FAQ

FAQ

Your dollar account, no permission needed

Your dollar account,no permission needed