Prize-linked savings,
re-engineered for USDC.
A prize-linked savings account (PLSA) pools the interest from every depositor and pays it out as one large prize instead of splitting it evenly. Your principal is never spent — only the yield is redistributed. Puddle brings the model onchain with institutional USDC yield and weekly $10K–$1M Yield Bonuses.
How it works
Deposit USDC
Your USDC lands in your Digital Vault. It stays yours — withdraw any time.
Yield is pooled
Institutional DeFi protocols generate yield on every vault, aggregated into the prize pool.
Top Earners win
Each cycle, participants with the highest Boost Score take the Yield Bonus — up to $1M.
Why prize-linked savings works
Traditional savings accounts pay every depositor a small share of interest. On a $500 balance at 4% APY, that's roughly $20 per year. Useful — but not life-changing.
Prize-linked savings pools that same yield across thousands of savers and redistributes it as a single large payout. Studies from the FDIC, MIT, and the Commonwealth Fund show PLSAs meaningfully increase savings rates — especially among people who would otherwise spend the same money on lottery tickets.
Puddle takes the concept onchain. Deposits stay in a principal-preserving vault, yield is generated by audited DeFi protocols, and Yield Bonuses are distributed by Boost Score every cycle. Your principal is never at risk of loss to another player.
FAQ
Is Puddle a lottery?+
No. A lottery ticket is spent whether you win or not. In Puddle your deposit stays in your Digital Vault and you can withdraw it at any time. Only the pooled DeFi yield funds Yield Bonuses.
Can I lose my principal?+
Puddle is principal-preserving by design. However, all onchain systems carry smart contract, stablecoin de-peg, and market risk. Puddle is not FDIC insured.
How is the winner chosen?+
Each cycle, participants are ranked by Boost Score — a function of deposit size, streak length, and time in the pool. Top Earners take the Yield Bonus.
Which chain and asset does Puddle use?+
USDC on Base. Deposits are handled by audited smart contracts and yield is sourced from institutional DeFi protocols.
Ready to turn yield into a shot at $1M?
Try the demo — no wallet, no deposit required.
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