SurgePay

Save Today. Grow Over Time

Save in USDC, earn yield, and automate your savings

Group of friends laughing together while looking at a phone
YIELD EARNED+4.71% APY
GOAL SAVINGSTrip to Mexico
Auto-Save$300

Choose How You Want To Grow Your Savings

Find out the saving option made for you.

Base Savings

Your USDC Can Do More

SurgePay Savings lets you earn yield on your USDC by depositing into a secure DeFi vault on the Base network. Your funds are put to work automatically, so you can earn as they grow.

Start Saving
SurgePay Base Savings screen showing a $2,450.32 USDC balance and Deposit, Withdraw and Info buttons
YIELD EARNED+4.71% APY

Auto-Save

Seamlessly grow your wealth

  • Save Automatically

    Set an amount and let Auto-Save deposit USDC for you on schedule

  • Choose your Schedule

    Save daily, weekly, or monthly, whenever works for you.

SurgePay AutoSave screen with an active $10.00 weekly USDC deposit and Pause, Edit and Delete buttons

  • Build Your Savings

    Every scheduled deposit goes directly into your Base Savings.

  • Earn while you save

    Your Auto-Save deposits earn the same Base Savings yield.

Goal Savings

Give your savings a purpose

Personal Goal Savings

Saving for rent, tuition, a trip, a new car, or something you’ve always wanted? Set a target, choose a deadline, and build towards it at your own pace.

  • Rent
  • Education
  • Travel
  • Car

Group Goal Savings

Turn saving into a shared goal. Invite friends or family, contribute individually, and watch your group work towards one shared target.

  • +2
SurgePay group goal screen for a Seychelles Trip, showing a $600 contribution towards a $5,000 target

Save in a few simple steps

Manage your savings directly from your SurgePay account.

  1. 1

    Deposit USDC

    Move USDC into your SurgePay Savings

    Green safe with a stack of SurgePay coins
  2. 2

    Put it to work

    Your USDC is supplied to the Base Savings Vault on Base

    Purple Base Savings Vault safe with coins
  3. 3

    Earn yield

    Your savings earn yield over time

    Plant growing from stacks of coins beside a rising chart

Watch your savings grow

Put your USDC to work and earn yield over time, while keeping track of how your savings are growing.

Smiling woman at a table checking her savings on her phone

Make your money work harder

A smarter way to put your money to work

Have questions about savings?

Here are a few things you might want to know before you start saving.

What is SurgePay Savings?

SurgePay Savings lets you earn yield on your USDC. Your deposit goes into a secure DeFi vault on the Base network, where it is put to work automatically so your savings can grow.

How does it work?

Deposit USDC into your SurgePay Savings, your USDC is supplied to the Base Savings Vault on Base, and your savings earn yield over time. You can track everything from the SurgePay app.

What currency does savings use?

Base Savings uses USDC, a stablecoin designed to keep a 1:1 value with the US dollar.

What blockchain network is this on?

Base Savings runs on Base, an Ethereum layer-2 network built for fast, low-cost transactions.

What is the minimum deposit?

The minimum deposit is $2.

How do I earn?

Your USDC earns yield while it is in the Base Savings Vault. You can also turn on Auto-Save to deposit daily, weekly or monthly, and those deposits earn the same Base Savings yield.

How is my yield calculated?

Yield is shown as an annual percentage yield (APY). The rate comes from the Base Savings Vault and can change over time; you can see the current APY and your total earned in the app.

Can I withdraw my funds at any time?

Yes. Base Savings has no lockups, so you can withdraw your USDC whenever you choose.

Looking for something else? Browse all FAQs

Still have questions?

Can’t find the answer to your question? Send us an email and we’ll get back to you as soon as possible.

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