Total Pools Liquidity
combined TVL across connected pools.
DSF savings | self-custody model
Stake and Earn USDT
no lock-ups or middleman Visible Capital
DSF automates passive stablecoin income through Curve and Convex. You control access to your position and withdrawals; returns depend on the strategy's performance.
What would you have earned, if you placed
Historical Yields
APY 2023
—
After 1 year—
APY 2024
—
After 2 years—
APY 2025
—
After 3 years—
Based on actual historical yields. Not a promise.
Validated by
Protocol Vitality
Loading user earnings.
User Earnings
yield generated for users through DSF strategies.
Withdraw anytime
no lock-ups, ever
On-chain
every move visible
Who is DSF Savings for?
Transparent stablecoin strategies for individuals, long-term reserves, and business capital.
Put idle stablecoins to work
For holders who want supported stablecoins to generate variable on-chain yield instead of remaining inactive in a wallet.
Build reserves for future goals
Use automated reinvestment for long-term savings without committing capital to a fixed lock-up period.
Manage operational reserves
For businesses and teams seeking transparent yield on a portion of their stablecoin treasury while retaining on-chain visibility.
Maintain flexible stablecoin reserves
For internationally active users managing stablecoins between savings, payments, travel, and business operations.
Avoid manual DeFi management
DSF automates strategy execution, reward collection, conversion, and reinvestment across supported Curve and Convex strategies.
Project your earnings
Calculate your potential returns with our institutional strategy
USDT
$100$1M
Forecast based on 8% target APY. Results for 10,000 USDT deposit. Actual yields are variable.
You keep control of your assets. We automate the process without taking custody of your capital.
Think of a currency exchange: users swap stablecoins and liquidity providers receive a share of trading fees. DSF automates this process through supported Curve and Convex strategies on Ethereum.
Deposit
Choose a supported stablecoin in the DSF app.
Route
Capital is routed to supported Curve stablecoin liquidity pools.
Earn
Trading activity generates liquidity-provider fees.
Reward
Curve and Convex incentives accrue to the strategy.
Compound
DSF converts collected rewards to USDT and reinvests them automatically.
Yield History
Historical annual percentage yield data from February 2022 to present, tracked by DeFiLlama.
Annual Yield Over Time
Track how yield has evolved since 2022.
Loading historical yield data...
Survived Every Crisis
DSF has operated since 3 December 2022 through periods of crypto, stablecoin, and banking-market stress. The APY figures below show the historical values recorded for each period.
S&P drawdown
7.35%
Crypto winter. S&P lost $8T in market cap. Nasdaq −33%.
BTC drop to $17,000
6.57%
Bitcoin −65% from ATH. Market panic.
Silicon Valley Bank collapse
6.73%
USDC lost its dollar peg. U.S. banking crisis.
S&P drawdown
6.4%
S&P lost ~2%. $1B in crypto liquidations.
Crypto Black Monday
15.5%
BTC below $50K. $1B in trading losses. Crypto market cap −11% for the month.
BTC liquidation cascade
25%
Pullback after Bitcoin $100K. Traders lost $2.7B over several days.
BTC Liquidation Cascade
12.97%
U.S.–China tariff war triggered $11B in crypto liquidations.
Largest Liquidation Cascade
8.41%
New tariff escalation: $20B lost, 1.6 million people affected.
Black Day in Metals Markets
6.18%
Silver −30%, gold −12%, BTC −6.6%, ETH −7.5%.
Black Sunday
4.99%
BTC −40%. $2.2B in losses. 335,000 traders affected.
Drift & KelpDAO Hacks
5.28%
Major protocol hacks. SOL −5.5%. Aave liquidity drawdown $6.6B.
Hormuz: Middle East Tensions
4.44%
U.S. equities lost $1T in one day. Traders lost $1B+ over the month.
Throughout DSF's operating history, capital deployed through DSF was not affected by these market events.
- Major Crises Navigated
- 12
- Positive Yield Months
- 100%
- Principal Losses Ever
- $0
Past performance is not indicative of future results. Yields are generated through organic protocol activity and are subject to market conditions. Principal protection refers to the protocol's historical risk management performance and does not constitute a guarantee.
Built different. Works different.
$250M+
Pool Liquidity
Deep liquidity ensures minimal slippage for large institutional entries and exits.
Stablecoins Only
We only use USDT, USDC, and DAI. No exposure to volatile crypto assets.
We Don't Trade
DSF is a liquidity provider, not a hedge fund. We don't take directional bets.
3+ Years
Running
Battle-tested through multiple market cycles without a single security incident.
24/7 Compounding
Yield is harvested and reinvested automatically every block for maximum efficiency.
Curve Finance
Built on top of the most trusted liquidity infrastructure in decentralized finance.
Your Keys
Non-custodial architecture. Only you have the power to withdraw your funds.
7-17%
Target APY
Sustainable, organic yield generated from protocol fees and incentives.
3 Layers of Protection
Layer 3 — Active Monitoring
Built by Market professionals: 19+ years in fintech and 9+ years in DeFi
Daily AI Market Analysis
We combine DSF’s risk expertise with AI models to detect liquidity changes, pool anomalies, and early warning signals across every strategy before they become critical.
Illicit & Unusual Activity Monitoring
We track suspicious on-chain patterns and anomalous flows in real time. Risks are caught and reacted to before they materialise — not discovered after the fact.
Layer 2 — Triple Diversification
By Pools
Capital is spread across several pools at once. A liquidity drain in one pool doesn't affect the rest of the position.
By Assets
Balanced basket of stablecoins. A depeg event on one asset doesn't cascade into the entire allocation.
By Asset Type
Both centralised and decentralised stablecoins. A freeze at the issuer level only touches one class — not everything.
Core — Layer 1
Non-Custodial Architecture
The smart contract automates all the complexity — but never holds your funds. Assets go directly to the DEX. Your keys, your withdrawal, always. DSF has no technical ability to freeze or block your money.
The people behind DSF
DSF is built by founders with experience across fintech, software engineering, cybersecurity, and DeFi.
DSF Founder, CEO
Background
18 years in fintech
Banking, leasing, and factoring across BDM and CBDO roles.
8 years in crypto
DeFi, nodes, blockchain analytics, consulting, education, trading, capital management, and product development.
Leadership experience
- Product work at IOST Node.
- Co-founder of a crypto hedge fund in Switzerland.
- Led partner-network development in factoring with a $10M portfolio.
DSF Co-Founder, CTO
Background
17 years in IT
Full-stack software development.
15 years in cybersecurity
Tracking-device detection and security-system development.
8 years in crypto
16 scientific articles on blockchain, smart-contract development, and DeFi.
Author of two books
Published books on UX/UI and blockchain.
Anastasia Bugakova
DSF Co-Founder, CPO
Background
7 years in science
Theoretical physics and quantum technologies, quantum cryptography, and scientific project and research management.
Product research expertise
UI/UX research, customer development, the AJTBD approach, and R&D.
7 years in crypto
Market analytics, NFT production, crypto marketing, product research, and Web3 product development.
Artem Dmitriev
Middle Developer
Sergey Ivanshin
Advisor
Bogdan Korzun
DSF Partner
Watch DSF
UNDERSTANDING YIELD
Passive income with USDT and USDC: how it works
Stablecoins do not pay interest just by sitting in a wallet. In DeFi, yield comes from putting assets to work in protocols. DSF automates a liquidity strategy through Curve and Convex on Ethereum.
Where does USDT income come from?
The strategy collects swap fees from Curve pools and eligible Convex rewards. DSF converts collected rewards to USDT and reinvests them. Results depend on pool activity, rewards and strategy costs.
How does passive income with USDC work?
DSF documentation lists USDC, alongside USDT and DAI, as deposit assets. Yield comes from the liquidity strategy. The deposit asset and reward-processing currency can differ: check the assets available and withdrawal terms in the app before proceeding.
What makes this income passive?
The smart contract automates liquidity allocation, reward collection and reinvestment. Earning passive income with USDT does not require daily manual trading, but you still need to monitor your position, fees and risks.
Can you know your return in advance?
USDT and USDC yields in DeFi vary. Historical APY describes past results, not a promised future income. Smart-contract failures, stablecoin depegging and limited liquidity remain possible risks.
Knowledge Base
What is decentralized exchange (DEX) and what is the difference from centralised exchange (CEX)?
Decentralized exchanges offer an alternative to traditional centralized platforms for cryptocurrency trading.
How to install MetaMask and start using it?
MetaMask is a wallet that lets users access decentralized applications and securely manage cryptocurrencies.
What is tokenomics and what is it for?
Learn how token value, supply, utility, and distribution shape the economics of a crypto project.
What are stablecoins and how do they work?
Stablecoins are digital assets designed to track the value of a reference asset such as the US dollar.
There are 14 more articles in this section
DSF JOURNAL
News
DeFi perspectives, incident breakdowns and research from the DSF Finance team.
The evolution of DeFi: making it simpler with DSF
An intuitive interface and simpler operations open a more accessible path into decentralized finance.
Curve: the foundation beyond metrics and hype
What makes a protocol resilient, and why dashboards only tell part of the story.
crvUSD: what makes it different in volatile markets
A closer look at crvUSD's design and the role of market volatility in its model.
Unmasking the Curve hack: a deep dive into the incident
The attack timeline, the ecosystem response and the lessons for DeFi.
How a new era for crypto begins
A look at US regulatory changes in 2025 and what they meant for DeFi builders.
Bitcoin's important property beyond its price
Crypto's relationship with traditional assets and the role of correlation in diversification.
Bitcoin can rise while your portfolio suffers
Market cycles, volatility and managing portfolio risk even in a rising market.
Stablecoins: infrastructure for a new financial era
How stablecoins are becoming part of digital payments, settlement and DeFi.
DeFi is evolving: what to know before the next wave
New use cases and changing expectations among decentralized finance users.
What to know about diversifying in crypto
Why holding different tokens does not necessarily balance risk, and how to assess income strategies.
The hidden cost of holding cash
A look at keeping spare money idle and alternative approaches to savings.
Hedging: tools for protecting a crypto portfolio
How hedging differs from diversification, the tools involved and the risks they carry.
Finding a crypto strategy for your risk profile
Connecting investment strategy with personal goals and attitudes toward risk.