Whop Treasury lets you put your money to work. Instead of letting your balance sit idle, you can earn up to 6% APY automatically — no minimum lockups, withdraw anytime.
Get started
Set up Treasury
Navigate to Dashboard → Balances → Simulate your future, then click Get Started. Verify with Touch ID or your passkey to activate, and you’re ready to go.
Deposit funds
Click Move to move your business balance into Treasury. You can also deposit directly via debit/credit card or crypto wallet by clicking Deposit.Make your life easier with auto transfers — set a maximum cash balance and automatically move the rest. Click Auto transfers on the Balances page.
Watch your money grow
You’re now earning yield automatically. To withdraw, click Move to move your funds back to cash, then withdraw as normal.
Hold strategic assets
Not only can you hold USDT earning up to 6% APY, but if you’re looking to hold more strategic assets, you can also hold Tether Gold — a product backed by the real price of gold. To do this, click Convert in your Treasury tab.
Only USDT generates up to 6% APY.
Frequently asked questions
Where does my money live?
Your money is held as USDT, the biggest stablecoin in the world, backed 1:1 with the US dollar. USDT is held by BlackRock, Visa, and other institutional organizations.
To earn up to 6% APY, your USDT is deposited into Aave — the biggest decentralized financial platform ($40B+ in deposits), used by JPMorgan, BlackRock, and others. The specific pool we use manages over $2 billion.
Interest compounds every second, and you can withdraw anytime.
Yield varies based on borrowing demand and market conditions and is not guaranteed. The current promotional rate is 6% APY for the first three months at public launch.
Security
Whop Treasury is self-custodial, meaning only you control your funds. Withdrawing money requires a passkey or Touch ID authorization. If you run a team, any member can deposit to Treasury, but only the creator of the whop can move funds out.
The lending structure is overcollateralized — borrowers must put up more than they borrow — and runs on Aave’s battle-tested infrastructure.
Whop Treasury does not carry FDIC insurance. The self-custodial model enables higher yields but means your funds are not insured by any government agency.
Fees
There are no fees for moving your money to and from Treasury to earn APY. There is a 1% fee for converting USDT to strategic assets such as gold.
Taxes
Interest earned through Treasury may constitute taxable income. You are responsible for reporting earnings according to your local tax laws. Whop provides transaction history to help with tax reporting. 
