from gold to tech stocks
and fixed when you open
pay a higher rate
How it works
Four steps from a deposit to a yielding position
Deposit
Connect a wallet and send ETH or a stablecoin. Your wallet asks you to approve one transfer, and the balance shows up in the app.
Pick an asset
21 to choose from: gold, silver, the S&P 500, Nvidia, Tesla and more, all live on Robinhood Chain with a chart you can read before you commit.
Choose your term
Lock for 1 to 12 months. Each asset has its own rate and longer locks pay more. The rate is fixed the moment you open.
Withdraw at unlock
Interest accrues from the first second. When the term ends, take your principal plus interest back to your wallet.
What you can fund
21 assets, each with its own rate
Metals
GLD, SLV
Index funds
SPY, QQQ
+6Tech stocks
NVDA, AAPL, TSLA, GOOGL, META, AMD, MU, INTC, TSM, NFLX, PLTR
Crypto linked
MSTR, COIN, CRCL
High volatility
GME, AMC, DJT
GLD6.5%SLV7.5%SPY7%QQQ8%NVDA11%AAPL9%TSLA12.5%GOOGL9.5%META10%
AMD12%
MU12.5%
INTC11.5%
TSM10.5%
NFLX10%
PLTR13.5%MSTR16%COIN15%CRCL14.5%GME20%AMC22%DJT21%GLD6.5%SLV7.5%SPY7%QQQ8%NVDA11%AAPL9%TSLA12.5%GOOGL9.5%META10%AMD12%MU12.5%INTC11.5%TSM10.5%NFLX10%PLTR13.5%MSTR16%COIN15%CRCL14.5%GME20%AMC22%DJT21%Yield
Yield is decided case by case
There is no single blended rate on this platform. Every asset is priced on its own terms, so what you earn reflects that asset and the length of your lock. The full terms are shown before you confirm anything, and the rate is fixed from that moment.
The asset
A gold trust and a meme stock do not carry the same risk, so they do not pay the same rate.
The term
How long you lock. One month pays the base rate, twelve months pays up to 1.6 times it.
The moment you open
Your rate is fixed when you confirm. Later changes to the listed rate do not touch it.
FAQ
Questions people ask us first
You pick an asset and open a fixed term position against it. Your deposit is held by Fluid and Fluid pays you the rate shown for that asset. The position tracks the asset, it does not buy the token for you and it does not supply liquidity into that pool in your name.
Everything we list on Robinhood Chain: gold and silver trusts, the S&P 500 and Nasdaq 100, tech names like Nvidia, Tesla, Apple and AMD, crypto linked names like Strategy and Coinbase, and higher volatility ones like GameStop. Every asset has a live price and chart pulled from its own pool.
Case by case. There is no single platform rate. A gold trust and a meme stock do not carry the same risk, so they do not pay the same. The rate for each asset is shown on its card before you commit, and it rises the longer you lock.
Yes, from the moment you open. Whatever APY you see when you confirm is what that position pays for its whole term, even if the listed rate changes later.
ETH or USDG, both on Robinhood Chain. That is the only network Fluid runs on, so your wallet is asked to switch to it before anything else happens. Minimums are 0.005 ETH or 10 USDG. Your wallet prompts you to approve a single transfer and the balance appears once that transaction is on chain.
Anything sitting in your available balance can be withdrawn whenever you want. Money inside a position stays locked until its unlock date, then principal plus interest lands back in your balance ready to withdraw.
Your funds sit with Fluid rather than in your own wallet, so a position is a claim on us. The rate is what we pay, not something a market guarantees, and it depends on Fluid being able to pay it. Only put in what you are willing to have exposed to that.
Pick an asset and start earning
Deposit in ETH or a stablecoin, choose your asset and your term, and the rate is locked from the moment you open.