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.

Legal

Account Opening Privacy Notice (United States)

Version 1 · Last updated: July 15, 2026

FACTS	WHAT DOES THIRD NATIONAL (“Issuer”) DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and date of birth Account balances and payment history Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Issuer chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information	Does Issuer share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	YES	NO
For our marketing purposes— to offer our products and services to you	YES	NO
For joint marketing with other financial companies	YES	NO
For our affiliates’ everyday business purposes— information about your transactions and experiences	YES	NO
For our affiliates’ everyday business purposes— information about your creditworthiness	NO	WE DON’T SHARE
For our affiliates to market to you	NO	WE DON’T SHARE
For nonaffiliates to market to you	NO	WE DON’T SHARE
Questions?	Call +58 424 2265088 or go to www.lucamoney.com

Who we are
Who is providing this notice?	Issuer
What we do
How does Issuer protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Issuer collect my personal information?	We collect your personal information, for example, when you open an account or perform transactions pay your bills or reload funds use your card We may also collect your personal information from others, such as credit bureaus, affiliates, and other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Issuer does share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Issuer does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Issuer may partner with certain non-affiliated financial companies to offer financial products and services to you.
Other important information
California and Vermont: In accordance with state law, we will not share your personal information with nonaffiliates except as permitted by law, including for example, for our own marketing purposes, for everyday business purposes, such as servicing your account, or with your consent.
Nevada: You are being provided this notice pursuant to Nevada law. You may be placed on our internal Do Not Call List by following the directions in the To Limit our Sharing section above. Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: agInfo@ag.nv.gov North Dakota: In accordance with North Dakota law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent, to service your account. Residents of North Dakota are opted out from nonaffiliate marketing by default. We will limit sharing among our companies to the extent required by North Dakota law.