Grow your savings 100X faster than a bank account.
Banks give you .05% APY on your cash. We figured out what banks do and made it available for every American, starting at 4% APY.
Auditors and Advisors from these places
We leverage billion-dollar institutional lenders to bring you the highest returns possible.
We're doing the exact same thing your savings account does, just giving you a bigger slice of the pie. Also, we're insuring your money with the same asset managers as your bank.
Super duper easy.
It takes less than five minutes to connect your bank and start earning.
Industrially Compliant
Our lenders follow the strictest regulations from establishments like the U.S. Security and Exchanges Commission.
Insured against it all.
Every dollar in our system is collateralized by billion-dollar asset managers.
Is this for real?
Read a few words from some of our customers. There are a ton more, but these are the ones that made us a tear up a bit.
I never expected to move from Chase to Hybrid as my main savings account. I'm happy to know that I'm not losing out on interest I deserve.
Johnny Polak
Portland, OR
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I always wanted to invest, but didn't know how. Using Hybrid is a big relief, because I can grow my savings without ever worrying about the constant changes of the stock market.
Maria Cortez
Los Angeles, CA
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If I had a time machine, I'd use it to put my savings into Hybrid sooner. After trying it out for a few weeks, I had my entire family start using it.
Vincent Mun
Boulder, CO
Frequently Asked Questions
Even if you're already sold, we want to give you some pointers when your aunt starts asking questions about how your savings are better than hers.
Essentially, Hybrid is a "Hybrid Model" of traditional + DeFi (decentralized finance) that brings you insured, higher yields than a traditional bank.
There is always risk when investing. Even with traditional banks, FDIC insurance only covers up to $250,000 of your cash. Beyond that, it's risky.
We have multitudes of safeguards to protect your deposits. Primarily, our institutional partners lend capital that is over-collateralized. This means that even if a loan were to default, it's backed by a significant "fallback" to protect the deposits.
Yep!
Once you create your account, you'll get a unique referral link to share. When your friends or family sign up, your earnings increase!
They win, you win, everyone wins!
Simple!
- Create a free account
- Complete the 5 minute registration
- Connect your bank account
- Deposit and watch it grow!
Yep, that's it!
There are no "account fees" with Hybrid.
When you deposit and earn, we keep a small percentage to pay our staff, marketing, and growth into the platform.
So we ONLY win, when you win.
Yep!
There's no minimum balance or withdraw limits.
We are required to disclose transactions to Uncle Sam, and will issue you statements at the end of the year for taxes.
The more you keep you idle cash in Hybrid, the more it grows!
Manage your savings with ease and simplicity.
We made it easy to view and manage your finances, wherever you are. Check out your cash on the web and via your phone.
MESSAGE FROM THE FOUNDER
Jordan Mederich
Hey! Thanks for checking out Hybrid. The team and I have worked really hard in trying to make a savings alternative that works for everyone.
We are built on a promise to give every American a shot at building wealth through passive income, regardless of financial status. Big banks have discriminated on these grounds by giving you a low-interest rate if you had student loans, bad credit, or didn’t come from a wealthy family. We felt this problem and went out to fix it.
We hope you enjoy what we built and hope you'll share it with those you love, too! Also, if you ever want to chat, feel free to shoot an email at jordan@hybridsavings.com.
Many thanks,
Let's have a chat!
We can talk about the weather, your favorite food, or anything really. Fill out this form so one of us on the team can help you out!
Hybrid is a financial technology company, not a bank. We aren't tax advisors. This isn't a credit union. We don't provide any financial, or legal advice, nor should this website be viewed as an offer or inducement to make any financial decisions. You can always contact us here.
© 2022 Hybrid Savings, LLC
Made with ❤ in Washington D.C.