Skipo

For anyone who wants their digital dollars to earn every day

Let your digital dollars earn every day

Skipo's interest account is in USDT: your USDT is deposited in the Aave protocol and earns a variable return of up to 5% a year, added to your balance every 24 hours. You activate it from the app, with no fixed term.

Create my account See the USDT interest account

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What the interest account offers

  • Up to 5% a year, variable

    Your USDT is deposited in the Aave protocol and earns a variable return of up to 5% a year, depending on supply and demand in the protocol.

  • Earnings every day

    Earnings are settled in 24-hour cycles and added to your balance, which you can withdraw or swap for other cryptos.

  • From 5 USDT

    The minimum to activate it is 5 USDT. If you don't have USDT, you can buy it with Chilean pesos in the app.

  • No fixed term

    Unlike a time deposit, you don't lock your money for 30, 60 or 90 days: your funds stay in your account.

How to activate your interest account

  1. Download the Skipo app and verify your identity.
  2. Deposit pesos from your bank and use them to buy USDT.
  3. In the app, open the interest account and check the current rate.
  4. Activate it with the amount you want, from 5 USDT. Earnings are added to your balance.

What you should know before activating it

  • The rate is variable: there is no guaranteed return and it can change every day.
  • The account relies on Aave, a decentralized protocol that is not supervised by Skipo or by Chilean regulators, and carries its own smart-contract risks.
  • Skipo keeps a management fee on the earnings generated, as set out in its Terms and Conditions.
  • If you withdraw funds during a cycle, that cycle's earnings are calculated on the minimum balance you kept.
  • Earnings are paid in USDT: their value in pesos goes up or down with the exchange rate.
  • It is not staking: your USDT is lent in a lending protocol, not used to validate a blockchain.

Frequently asked questions

It earns a variable return of up to 5% a year in USDT, depending on supply and demand in Aave.

No. A time deposit has a fixed rate and a term during which you cannot take your money out. Skipo's interest account has no term, but its rate is variable and not guaranteed.

Yes. To activate the interest account you need at least 5 USDT.

No. The interest account deposits your USDT in the Aave lending protocol; it is not staking, which means locking cryptocurrencies to validate a blockchain.

Yes. Your funds remain available in your account. If you use them before the 24-hour cycle ends, that cycle's earnings are calculated on the minimum balance you kept.

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Skipo Chile SpA (tax ID 77.554.238-1) is listed in the Chilean Financial Market Commission's (CMF) Registry of Financial Service Providers, with its authorization in process under the Fintech Law (No. 21.521), registered with the Financial Analysis Unit (UAF) and ISO/IEC 27001:2022 certified. More on security and regulation.