What is Democratized Prime?
Democratized Prime is a smarter way to earn. It automatically finds great rates for you, keeps your funds accessible, and gives you access to unique earning opportunities backed by real-world assets. Simple, secure, and designed to help your assets grow over time.
Why earn with Democratized Prime?
| Democratized Prime | Staking Crypto | Traditional Bank Deposit Products | |
|---|---|---|---|
| Rate | Variable, up to 9% | Variable, up to 3.63% for top 3 coins (BTC, ETH, or SOL)* Higher rates available for memecoins. | Fixed or Variable up to 4.25%** |
| Market Volatility | Backed by RWA like Figure HELOCs | Crypto markets can be volatile, depending on the token. | Often come with FDIC-insured or NCUA-insured up to $250,000 per depositor. |
| Security | Robust security, including SOC 2, ISO 27001, and a 5-star customer service team to assist. | DeFi Protocols are prone to hacks and liquidations. Depending on the protocol, you could be on your own if you have an issue. | Bank-grade account and fund protection. Customer service team to assist. |
| Liquidity | Highly liquid with withdrawal within an hour | Subject to lock up periods | Depending on the vehicle. Some require long lockup times in exchange for higher rates, Typically ACH timelines are up to 5 days. |
| Currency | USD or Crypto | Crypto only | USD |
*https://www.coinbase.com/earn
**https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/
Rates available as of October 28, 2025
Earn the best rate
Set the rate you want to lend at, and our real-time Dutch auction engine instantly matches your offer to the highest borrower-acceptable rate (their Max Borrow rate). No middlemen, no guesswork.
Fast loan cycles
With hourly lending pools, start earning immediately, adjust your rate hourly, and reinvest as often as you like; all with full on-chain transparency.
Most lending pools run on hourly periods, allowing you to quickly see real earnings, or lend for as short as an hour.
Fully collateralized, on-chain
Every loan on Democratized Prime is 100% backed by crypto or real-world assets securely locked on blockchain; giving you institutional-grade protection and transparency.