Earn

Your savings earn
while they sit.

Name: CitizenWealth Earn
Brand: CitizenWealth
Availability: PreOrder

$1,000$1,030

Annual growth at 3% rewards rate

Move funds to savings and earn rewards backed by US Treasuries. Rewards accrue daily, paid out monthly. No lock-up. No minimum.

Download the App →See Pricing

Club rewards

Individual rewards

Daily

Rewards accrual

Lock-up fee

How It Works

A savings account that
earns rewards.

Your savings are pegged 1:1 to the US dollar and backed by US Treasury securities. Unlike regular accounts that just hold value, CitizenWealth passes Treasury rewards through to you — automatically.

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Pegged to USD

Your savings are always 1:1 with the US dollar. Your principal is protected by the same peg mechanism that powers leading digital currencies.

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Backed by US Treasuries

Reserves are held in US Treasury securities — the safest, most liquid assets in the world. Not crypto speculation, not DeFi protocols.

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Rewards-Earning

Treasury rewards pass through to your balance automatically. No staking, no claiming, no extra steps. Your balance grows every day.

How Rewards Work

Earn. Daily. Automatically.

Step 1

Move to savings

Transfer funds from your spend wallet to your savings wallet. Free, instant.

Step 2

Start earning rewards

Your funds automatically start earning rewards — backed by US Treasuries.

Step 3

Rewards accrue daily, paid out monthly

US Treasury rewards are distributed to your balance every month. No action needed.

Step 4

Withdraw anytime

Move back to spend wallet whenever you need it. No lock-up, no penalty, no minimum holding period.

Reward Rates

Individual vs Club savings.

Individual Savings

2% rewards

Personal savings goals. Rewards accrue daily, paid out monthly. No lock-up — withdraw anytime.

SourceUS Treasury rewards

AccrualDaily

Lock-upNone

MinimumNo minimum

Club Savings

3% rewards

Savings club pools earn a higher rate. Community power, better returns.

SourceUS Treasury rewards

AccrualDaily

Lock-upClub rules apply

MinimumNo minimum

Real Returns

Your local bank says 5%.
But inflation says otherwise.

A 5% savings rate means nothing when your currency depreciates 15% against the dollar. CitizenWealth gives you real returns in a stable currency.

South Africa (ZAR)

~7% nominal — ~25% depreciation (5yr)

-18%

Nigeria (NGN)

~10% nominal — ~75% depreciation (5yr)

-65%

USD (CitizenWealth)

Pegged to USD — no currency risk

+2-3%

Real return = nominal rate minus currency depreciation against USD. Based on 5-year average data. Rewards backed by US Treasuries with zero currency risk.

Safety

Not DeFi speculation.
Treasury-backed rewards.

🏦

US Treasury Backing

Your rewards come from the safest assets in the world — US government securities. Not volatile crypto protocols.

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Institutional Custody

Your savings are held with institutional-grade custody infrastructure. Segregated, auditable, and regulated.

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Daily Reconciliation

Automated daily reconciliation ensures your balance and rewards are always correct. Discrepancies trigger immediate alerts.

Part of the Platform

Earn works with everything else.

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From Your Wallet

Move USD or EUR to savings and start earning rewards. Switch back anytime.

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With Your Club

Club treasuries earn up to 3% in rewards automatically. No action needed from members.

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Before You Send

Earn rewards on funds waiting to be sent. Your money works until the moment it moves.

FAQ

Rewards questions

How do rewards work?+

Your savings are pegged 1:1 to the US dollar and backed by US Treasury securities. Unlike regular accounts that simply hold value, CitizenWealth passes through the rewards from Treasury holdings to your balance automatically.

How are rewards calculated?+

Rewards are calculated daily based on the current US Treasury rate and distributed to your balance. Individual wallets earn up to 2% in rewards; savings club pools earn up to 3% in rewards. The rate may adjust as Treasury rates change.

Is there a lock-up period?+

No. Individual savings have zero lock-up — withdraw to your spend wallet anytime. Club savings follow the club's own rules (set by the admin), but there's no platform-imposed lock-up.