Note : this story was first published in french on my Substack and then traduced to english by using AI.

The bridge between TradFi and DeFi is no longer one-way.

Aave, a historic DeFi player with $70 billion in assets under management, is proving that with its consumer-focused savings application.

Initially available on iOS, Aave App offers users a savings product with variable returns of up to 6.5%, depending on market conditions. For comparison, most fintech savings accounts offer around 3.5% interest, while traditional banks sit closer to 0.40%.

The offer is even more enticing for U.S. users, who can expect returns of up to 9%.

To reassure savers — and attract larger portfolios — Aave states that deposits are insured up to $1 million within the app.

And with its recently obtained MiCA license, the company plans to integrate a free, regulated exchange service between euros and stablecoins within the European Economic Area.

This product targets every type of saver — from seasoned crypto investors to complete beginners. Users can deposit funds from a bank account or debit card without having to worry about manually converting them into stablecoins.

Crypto holders, meanwhile, can directly deposit stablecoins into their savings balance.

Aave notes that deposited funds can be withdrawn instantly and without fees. However, like any financial product, this solution carries risks — including market volatility, lending-related default, and technological or infrastructure failures. Meaning: in the event of a crypto price drop, borrower default, or a hack of the Aave protocol, users may suffer capital loss.

So how can Aave App promise such yields? While the company rarely uses the term cryptocurrency in its public messaging — likely to appeal to a wider audience — that’s precisely what sets it apart in the savings market.

Aave App is neither a bank nor a regulated financial institution. Card payment and transfer services are handled through licensed third-party partners.

In short, Aave is offering savings returns typically seen in decentralized finance — but to users outside the crypto-native audience. Its stablecoin staking options (using USDC, USDT, GHO) currently offer an average return of 6.3%, while its on-chain savings product advertises a 6.03% yield.

With Aave App, the decentralized finance giant leverages its infrastructure and expertise to onboard users unfamiliar with crypto. By removing barriers such as wallet setup, crypto conversion, and protocol interactions, Aave hopes to expand its user base.

Facing a 1.7% interest rate on a French Livret A, it’s hard to imagine that a 6% baseline return won’t attract the masses.

Note : this story was first published in french on my Substack and then traduced to english by using AI.

The bridge between TradFi and DeFi is no longer one-way.

Aave, a historic DeFi player with $70 billion in assets under management, is proving that with its consumer-focused savings application.

Initially available on iOS, Aave App offers users a savings product with variable returns of up to 6.5%, depending on market conditions. For comparison, most fintech savings accounts offer around 3.5% interest, while traditional banks sit closer to 0.40%.

The offer is even more enticing for U.S. users, who can expect returns of up to 9%.

To reassure savers — and attract larger portfolios — Aave states that deposits are insured up to $1 million within the app.

And with its recently obtained MiCA license, the company plans to integrate a free, regulated exchange service between euros and stablecoins within the European Economic Area.

This product targets every type of saver — from seasoned crypto investors to complete beginners. Users can deposit funds from a bank account or debit card without having to worry about manually converting them into stablecoins.

Crypto holders, meanwhile, can directly deposit stablecoins into their savings balance.

Aave notes that deposited funds can be withdrawn instantly and without fees. However, like any financial product, this solution carries risks — including market volatility, lending-related default, and technological or infrastructure failures. Meaning: in the event of a crypto price drop, borrower default, or a hack of the Aave protocol, users may suffer capital loss.

So how can Aave App promise such yields? While the company rarely uses the term cryptocurrency in its public messaging — likely to appeal to a wider audience — that’s precisely what sets it apart in the savings market.

Aave App is neither a bank nor a regulated financial institution. Card payment and transfer services are handled through licensed third-party partners.

In short, Aave is offering savings returns typically seen in decentralized finance — but to users outside the crypto-native audience. Its stablecoin staking options (using USDC, USDT, GHO) currently offer an average return of 6.3%, while its on-chain savings product advertises a 6.03% yield.

With Aave App, the decentralized finance giant leverages its infrastructure and expertise to onboard users unfamiliar with crypto. By removing barriers such as wallet setup, crypto conversion, and protocol interactions, Aave hopes to expand its user base.

Facing a 1.7% interest rate on a French Livret A, it’s hard to imagine that a 6% baseline return won’t attract the masses.