Bring the crypto you already own.
Your own address for BTC, ETH, USDC and USDT. Funds arrive on confirmation.
Licensed in Canada · 200 founding members
Spend it.
Grow it.
One account, two wallets. Move crypto like cash, and let idle stablecoins earn quietly in 30-day pools — with the care of a private bank.
9%Top pool APR
30Day terms
$0Transfer fees
The account
Two wallets.
One quiet account.
Your Spend wallet is everyday money: hold Bitcoin, Ether and stablecoins, convert at a locked price and send to anyone instantly.
Your Earn wallet holds what you set aside. Each pool runs for thirty days and returns your principal and interest automatically.
How it works
Four movements.
Deposit, convert, send, earn. Nothing more to learn, nothing hidden in the fine print.
Turn it into dollars at a locked price.
A firm quote first, then you confirm. No slippage, no surprises.
Pay anyone, as simply as a note.
By @handle or email, any hour, at no cost.
Let idle dollars work for a month.
Interest accrues daily and returns to Spend on day thirty.
Earn pools
Choose your tier.
Each pool has a fixed term, a ticket size and limited capacity. The rate you lock in is the rate you receive.
Starter
5% APR
For first-time savers. Small tickets, steady yield.
- Term30 days
- AssetUSDC
- CapacityOpen
Growth
7% APR
Mid-size tickets with a higher rate.
- Term30 days
- AssetUSDC
- CapacityFilling
Prime
9% APR
Large tickets, our finest rate, limited capacity.
- Term30 days
- AssetUSDC
- CapacityLimited
Your projection
$5,000
Returned on day thirty
$5,028.77
including $28.77 interest at 7% APR
Illustrative rate. Capital at risk.
Safeguards
Held with care.
The controls you would expect of a bank, applied to every coin and every dollar.
Licensed in Canada
Identity checks and reporting under Canadian anti-money-laundering rules.
Segregated custody
Client funds kept apart from company money with a regulated custodian.
Interest set aside
Your full 30-day interest is reserved before a pool accepts your deposit.
Guarded withdrawals
Two-factor codes, address screening and a human review for large amounts.
Questions
Straight answers.
Spend and Earn — what's the difference?
Spend is everyday money you can hold, convert, send and withdraw any time. Earn holds money placed in a 30-day pool; it earns interest and stays locked until the term ends.
Where does the interest come from?
From a reserve Orvane funds before each pool opens. Your full interest is set aside when you invest, never paid from other clients' deposits.
May I leave a pool early?
Pools are fixed 30-day terms and most don't allow early exit. Where one does, you receive your principal and forgo the interest.
Which assets are supported?
Bitcoin, Ether, USDC and USDT. BTC and ETH convert into USDC or USDT. Earn pools currently hold USDC.
Who may open an account?
Canadian residents aged 18 or over with valid photo ID. Verification takes about two minutes.
Founding membership
Two hundred seats.
One is yours.
Founding members receive early access to every new pool and a direct line to the team while we build.