Put Your Savingson a Stipend

Deposit USDC on Solana, earn lending interest from a single money market, and spend only what it earns. Your principal stays locked. A spend can never reach it.

Open app

Interest out. Principal stays in.

How it works

Deposit once. Let your savings pay you.

Deposit

Move USDC in from any Solana wallet. It becomes your locked principal and is supplied to a single Kamino Lend reserve.

Earn

You see two numbers and nothing else: principal, and interest you can spend. The second one climbs as borrowers pay interest.

Spend

Spending draws from earned interest only. Ask for more than you have earned and the whole transaction is refused. Principal is never used to cover the gap.

Withdraw

Take your principal back to your wallet whenever you like. Only you can start a withdrawal. A spend can never trigger one.

The only rule

Your principal is off limits.

Two ledgers, never mixed

Principal and spendable interest are kept as separate on-chain values. Spendable is interest earned minus interest already spent. Nothing else can add to it.

Fails closed

If the lending reserve's data is stale, missing or unreadable, spendable is zero and the spend is refused. An outage can never unlock your principal.

One lending market

All yield is ordinary lending interest from one Kamino Lend reserve. No strategies, no loops, no leverage. Your deposit and its interest never touch the $STIP token.

All or nothing

A spend larger than your earned interest is rejected in full. There is no partial fill and no fallback that takes the rest from your deposit.

Your exit, your call

Principal only leaves when you sign a withdrawal, in full or in part, straight back to the wallet that deposited it.

Devnet before dollars

Every path (deposit, accrue, spend, withdraw) is proven end to end on devnet first, then on mainnet with small amounts and low caps, before it grows.

Yield lives on Solana.

Stipend is an on-chain Solana program. Your USDC is supplied to one Kamino Lend reserve, and your share of it is tracked per wallet in the program itself. There is no validator staking, no restaking and no leverage. The yield is simply what borrowers pay to borrow.

USDC

Stablecoin deposits

Kamino

Single lending reserve

~400ms

Slot time

Anchor

Open-source program

Let your savings pay you back.

Your principal stays locked and keeps earning. Interest is the only thing that moves. Real money comes in only after every path has been proven on devnet.