One decision on your end. Everything after runs itself.
Commitment savings only works if the commitment is real. Here is every step between choosing a date and the money landing back in your account — including what happens underneath each one, so none of it has to be taken on faith.
01You choose an amount and a date
A week, a month, a year — whatever you pick becomes the maturity date written into the contract. Nothing else about the lock changes with duration: a seven-day lock and a two-year lock run the same code and carry the same guarantee. There is no minimum.
02Ten minutes to change your mind
Before a cent leaves your bank, a cooling-off window opens. Cancel in the first minute and nothing has happened at all — no transfer initiated, no fee, no record to unwind. Cancel during the remaining nine and the contract refunds you automatically, without needing anyone's approval.
03The money leaves your bank, once
A single transfer by ACH, debit card or FedNow — your choice at funding time. A standard ACH transfer that clears normally is free; faster rails carry a cost shown to you in dollars before you confirm. Bridge, a regulated payments partner, converts the dollars to USDC.
04It earns while it waits
The USDC sits in a vault deployed for this lock alone and is supplied to established on-chain lending markets, earning a variable rate. You can read the balance from the blockchain yourself at any time — it isn't a number we report to you, it's a number you can independently check.
05It comes back on the day you chose
Not early, not late. The balance converts back to dollars and settles into the one bank account you verified at signup — the only destination the system will pay out to — together with the interest it earned.
Why there is no early release
Every other savings product that promises to hold your money has an exception path — a penalty, a hardship form, a phone call that eventually works. Those exist because the promise is a policy, and policies have to accommodate the people who administer them.
Apsis has no exception path because the vault has no function that could serve as one. The withdraw method checks two conditions and refuses if either fails: that the caller is you, and that the maturity timestamp has passed. There is no admin role, no upgrade key, and no override for a support team to reach for. The reason we can promise nobody will open your vault early is that we have not left ourselves the ability to.
The cost of that is unambiguous and worth stating twice: if you need the money during a lock, you will not be able to get it. Fund an ordinary accessible emergency account first, and lock only what sits above it.
What it costs
- Cancelling during the cooling-off window is always free.
- A standard ACH transfer that clears normally is free.
- Faster funding rails and the currency conversion carry a cost that is shown in dollars before you confirm — never as a percentage you have to work out, and never quietly deducted from your return.
- Interest is variable. The illustrative figures shown across this site are drawn from recent on-chain lending rates and are examples of the mechanism, not a forecast or an advertised APY.
Put something in orbit.
Apsis is opening access soon. Join the waitlist and we'll email you the moment it's live.