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Lulo is available for US customers.

Lulo Snapshot

Verified: January 6, 2026

Pros

  • Solid yield rates on stablecoins
  • Easy to use app

Cons

  • One-time setup fee for new accounts

Check Yield data below to understand the source of these returns.

USDC USDT
USDC/USDT
UP
5.25% APY

Pending US CLARITY ACT regulation specifies you cannot earn yield solely by holding stablecoins.

Max Rate Requirements

Use referral code: 0ACZRU

Rates last verified: January 6, 2026
Exclusive Offer

New User Bonus

Earn boosted rewards with referral code: 0ACZRU

Claim Bonus

Rate Alerts

Get notified when Lulo and other rates change. Delivered monthly.

Lulo Calculator

Daily
0.00
Weekly
0.00
Monthly
0.00
Yearly
0.00

Estimates are based on Lulo current APY. Rates are subject to change.

How Lulo Generates Yield

Yield Mechanics

Lending
DeFi Lending Protocols

Risk & Custody

Custody Model
Non-Custodial
Track Record
Operational since 2024

Flexibility & Access

Lockups
None to 24 hours
Access
Worldwide
Yield data in beta

Yield methods listed are based on best known platform data. Please note that a single platform may utilize different methods depending on the specific asset, product, or jurisdiction. Platforms may also update their yield strategies at any time.

Lulo Review

Lulo is a stablecoin-focused savings platform that enables users to earn yield via DeFi on Solana. It automatically allocates deposited funds across several integrated lending protocols - optimizing returns while allowing users to choose their desired level of risk exposure.

Lulo Referral Code: 0ACZRU

Flexible Deposit Options, known as Lulo Vaults

  • Protected provide steady returns with maximum safeguards against protocol failures: Instant withdrawals at any time.
  • Boosted offer higher yields by assuming part of the risk, essentially supporting the protected pool: Require a 24-hour withdrawal cool down.

Lulo FAQ

Is Lulo available in the USA?

Yes, Lulo is available in the USA.

Does Lulo pay compound yield?

Yes, Lulo pays compound yield.

How often do you receive payouts?

Every second

Does Lulo require a lockup period?

Yes, Lulo has a lockup period of None to 24 hours.

Does Lulo pay interest on Bitcoin?

No, Lulo does not currently pay interest on Bitcoin.

Does Lulo pay interest on Ethereum?

No, Lulo does not currently pay interest on Ethereum.

Does Lulo pay rewards on stablecoins?

Yes, Lulo pays 5.25% APY on stablecoins like USDC and USDT.

What are Lulo's withdrawal fees?

None

Does Lulo offer a sign-up bonus?

Yes, Earn boosted rewards with referral code: 0ACZRU

When was Lulo founded?

Lulo was founded in 2024.

Where is Lulo available?

Worldwide

Is Lulo custodial or non-custodial?

Lulo is a non-custodial platform, meaning you maintain control of your private keys and funds.

Compounds
Yes
Payouts
Every second
Withdraw Fees
None
Lockups
None to 24 hours
Founded
2024
Headquarters
N/A
Availability
Worldwide
Lulo
app defi non-custodial pyusd usdc usds usdt