⚙️ How It Works

Wellspring makes saving and growing your money feel as easy as using a regular savings account, just with higher returns in the background.

Here’s how it works:

1️⃣ Set up your account

Set up direct deposit from your paycheck or transfer for your Bank.

Decide what portion of your paycheck you want to save automatically—like 5%, 10%, or more. You can also issue a one-time or recurring transfer directly from your Bank.

2️⃣ Your money moves into stablecoins

When your deposit arrives, it’s turned into stablecoins—digital dollars that stay the same value as regular dollars (1:1).

This keeps your money stable while it earns on-chain.

3️⃣ Your savings earn yield

Your stablecoins are placed into high-yield smart contract vaults across lending markets that generate returns through over collateralized lending in isolated markets.

This means borrowers put down more collateral than the amount they borrow to secure their loans. They pay interest to borrow the stablecoins, and that interest is passed on to you as yield.

This approach is commonly used in decentralized finance to create cash flow and keep funds moving efficiently for daily trading and other on-chain activities.

Everything happens automatically—no complex setup or management required.

4️⃣ Track your balance anytime

You can log in anytime to see your deposits, how much you’ve earned, and your total balance.