New Save & Earn

Earn 3.5% on your idle dollars.

Treasury-backed. No KYC. No lockup.

Turn idle USDC into SGOV — BlackRock’s US Treasury bill ETF, tokenised and live on Base. The only one you can hold in any wallet. Buying and selling on st0x uses NYSE market hours; primary redemption to SGOV shares uses the S01 / Alpaca bridge.

Why SGOV

wtSGOV

Auto-compounding

3.5% APY

$85B

BlackRock AUM

Mon–Fri

NYSE-hours trading

No KYC

Permissionless

Permissionless — no KYC

The only tokenised Treasury you can hold in any wallet and use in any DeFi protocol. Every rival gates access behind KYC.

Redeemable Treasuries

Backed 1:1 by SGOV — BlackRock's $85B T-bill ETF. Primary redemption to SGOV shares uses the S01 / Alpaca bridge; buying or selling wtSGOV on st0x is available Monday–Friday, 9:30 AM–4:00 PM ET, excluding market holidays.

Auto-compounding

Nothing to claim or stake. Treasury yield reinvests into wtSGOV automatically, so your balance grows on its own.

Backed 1:1, onchain

Every wtSGOV is backed 1:1 by SGOV with a right of redemption to the underlying shares — verifiable onchain.

Every tokenised Treasury needs permission. Except one.

Same Treasury yield everyone else offers — without the KYC gate, the minimums, or the whitelist.

ProductWho can hold itPermissionless

SGOV

BlackRock / S01

Any wallet · any DeFi protocol

B

BUIDL

BlackRock

$5M min · US qualified purchasers · whitelist

O

OUSG

Ondo

Qualified purchasers · KYC via Ondo portal

B

BENJI

Franklin Templeton

KYC via Benji · gated

U

USTB

Superstate

Qualified purchasers · allowlist

U

USYC

Hashnote / Circle

KYC + qualified investor screening

U

USDY

Ondo

Non-US persons only · KYC at onboarding

Why it matters: permissionless means your SGOV works in any wallet and any DeFi protocol — as collateral, in pools, anywhere — the moment you hold it.

See what your dollars could earn

Move the slider or type an amount.

Amount to saveUSDC

$

Projected earnings · Year 1

$350.00 / year

$29.17

Per month

$0.96

Per day

3.5%

Yield

Illustrative at 3.5% yield. Compounds monthly in wtSGOV.

Two tokens, one underlying

Switch freely · unwrap anytime

Same SGOV backing, your choice of how the yield reaches you.

tSGOV

Get paid

Cash dividends paid to you in stablecoins, every month.

Best for: Reserves · treasuries · credit allocators

For saving

wtSGOV

Auto-compound

Dividends reinvest into the wrapper — each wtSGOV grows worth more tSGOV. Your balance just rises.

Best for: DeFi · set-and-forget saving

How Save & Earn works

1

Buy wtSGOV

Place a market order from USDC into wtSGOV on st0x. Orders are available Monday–Friday, 9:30 AM–4:00 PM ET, excluding market holidays. No account, no KYC.

2

Treasuries earn

Your tokens are backed 1:1 by SGOV — BlackRock's short-dated US T-bill ETF, yielding roughly 3.5% at current Treasury rates.

3

Yield compounds

Each month the Treasury yield is added to the wtSGOV wrapper — so every token is worth more than before. Your balance grows on its own.

4

Exit without a lockup

Sell wtSGOV for USDC on st0x during Monday–Friday, 9:30 AM–4:00 PM ET, excluding market holidays, or use the S01 / Alpaca bridge for primary redemption to the underlying SGOV shares.

Questions, answered

The underlying Treasuries earn yield continuously, and each month it’s added to the wtSGOV wrapper — so your token steadily becomes worth more. Nothing to claim or stake. At current Treasury rates that works out around 3.5% a year, and it moves as those rates do.

Your USDC is on a coffee break.

Put it to work with wtSGOV. Earn 3.5%, no KYC, no lockup.

ST0x