Your bank earns on your money. It's time you did too.
Banks take your deposits, lend them out, and keep most of the profit. Vale is built to change that — earn up to 9.6% on your savings, withdraw any time, and always keep full control of your money.
Why Vale exists
The financial industry was built to profit from you — not for you.
Banks take your deposits, lend them out at 5–8%, and hand you back a fraction of a percent. The rest they keep. For the first time, technology exists to change that — to give ordinary people access to returns that were once only available to institutions. Vale is that interface.
Three steps. A few minutes. Then it runs itself.
No branch visits. No paperwork. No jargon. Just set it up and watch your money grow.
Create your account
Sign up in minutes. No long forms, no credit checks, no waiting for approval. Vale gets you set up quickly so you can start earning straight away.
Add your money
Transfer the amount you want to put to work. Start with as little or as much as you like — there's no minimum balance. Vale shows you exactly what you'll earn before you commit to anything.
Earn every day
Your money earns interest automatically, every single day. Check your balance at any time, and withdraw whenever you need it — no penalties, no lock-in periods, no asking for permission.
Built around you, not the bank.
Your money never leaves your control
Vale is not a bank. We never hold your money. When you deposit, it flows directly to where it earns — through publicly verifiable code. We cannot freeze it, move it, restrict it, or access it. Ever. This is the opposite of how a bank works.
Built for your phone
Everything you need, in your pocket. Check your balance, add money, and withdraw — all from the app. No branch, no browser, no paperwork.
Money moves in an instant
Transactions settle in under a second. No more "allow 2–3 business days" for access to your own money.
Nothing is hidden
Every deposit and every penny earned is recorded in a public ledger that anyone can read. No black boxes, no opaque decisions, no small print that changes things. You can verify exactly what's happening with your money at any time.
Designed to be verified, not just trusted.
We don't ask you to take our word for it. Vale is built on publicly checkable code. Every claim we make is something you can independently confirm.
Only you can move your money
Your funds can only be moved with your authorisation. Vale has no ability to freeze, redirect, or access your balance — technically or legally. This is guaranteed by code, not just policy.
Open and publicly checkable
All the code that handles your money is publicly deployed and readable by anyone. Independent security researchers can — and do — verify it. No hidden logic, no mystery back doors.
Secure login
Your sessions are encrypted and cryptographically signed. No one can impersonate you or access your account without your credentials.
Withdraw whenever you want
No lock-up periods. No early exit fees. No minimum notice period. Your money is always accessible — because it's always yours.
Straight answers.
Does Vale hold my money?
Is this like a savings account?
What currencies can I use?
How does Vale actually make me money?
Are there any fees?
What are the risks?
When does Vale launch?
Is Vale available in my country?
Be first to earn more.
Banks had a head start. Join the waitlist and get early access when we open.