Ondo US Dollar Yield (USDY), held the way you control it
USDY · Multichain networkLooking for a Ondo US Dollar Yield wallet or a USDY wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold USDY on the Multichain network, swap into 24,000+ assets, connect to dApps, top up the Zypto Premium Visa Card, pay bills and buy gift cards. All from one app, with your keys staying on your device.
What makes Zypto the right place for your Ondo US Dollar Yield (USDY)
Most Ondo US Dollar Yield wallets do one thing: hold USDY. Zypto App is a full DeFi wallet built for actually using it. Hold USDY non-custodially on the Multichain network, swap into 24,000+ assets across 20+ chains via in-app DEX integrations, connect to dApps with WalletConnect, and use the value through the Zypto Premium Visa Card and Zypto's bill-pay and gift-card surfaces.
Whether you're new and looking for your first Ondo US Dollar Yield wallet app or your first USDY wallet, or an experienced DeFi user who wants one wallet for holding, swapping and real-world spending, Zypto is built for both, without sacrificing self-custody.
New to Ondo US Dollar Yield? Start here with the right USDY wallet
New to Ondo US Dollar Yield? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working USDY wallet in under a minute. Add your first USDY by receiving from another wallet, or by buying in-app where supported.
From zero to using Ondo US Dollar Yield
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add USDY
Receive USDY from another wallet, or buy in-app where supported.
Use it everywhere
Top up the Zypto Premium Visa Card, swap into other assets, pay bills, or buy gift cards.
USDY security in Zypto: where your keys actually live
Zypto App is non-custodial. Your private keys are generated and stored on your device. Zypto never has access to your USDY, and every transaction is signed locally. For higher security, pair with the Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing keys to the internet.
What is Ondo US Dollar Yield?
Ondo US Dollar Yield, traded as USDY, is a tokenized instrument that combines a dollar-denominated value with yield from underlying short-term US Treasuries and bank deposits. It is issued by the Ondo project, which focuses on bringing real-world assets on-chain. Unlike a flat stablecoin, USDY is structured to accrue value over time from the income its backing assets generate, which is reflected in its price typically sitting above one dollar. It operates across several networks, including Ethereum, Solana, Mantle, and others. It appeals to users seeking on-chain exposure to traditional dollar yield. You can follow the USDY price and hold it in a self-custody wallet.
Real things to do with your USDY
Every feature works directly with your USDY balance. No selling, no exchange roundtrips.
Use a Crypto Visa Card
Top up the Zypto Premium Visa Card with USDY and use it wherever Visa is accepted. Physical or virtual.
Crypto cardsPay bills with Ondo US Dollar Yield
Settle utility bills and mobile contracts with billers worldwide, paid from your USDY balance.
Bill payBuy gift cards with USDY
Gift cards from popular brands, paid in Ondo US Dollar Yield. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with USDY, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap Ondo US Dollar Yield into 24,000+ assets across 20+ chains. No bridges, no second wallet, all in one tap.
Multichain walletVault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign Ondo US Dollar Yield transactions, keys never touch the internet.
Vault Key CardPay via KuCoin Pay
Move and pay with USDY across the KuCoin Pay network, straight from your non-custodial Zypto wallet.
KuCoin PayOther assets worth holding next to USDY
Cross-chain swaps mean your USDY can become any of these in two taps.
662+ dedicated wallet pages
USDY wallet questions, answered
What's the best Ondo US Dollar Yield wallet app?
That depends on what you want to do with your USDY. If you're holding only, any non-custodial wallet works. If you also want to use Ondo US Dollar Yield for real-world spending through the Zypto Premium Visa Card, pay bills, top up phones, or swap into other assets, Zypto App is purpose-built for that while still being fully non-custodial.
Is the Zypto Ondo US Dollar Yield wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your USDY. Every transaction is signed locally on your device before it reaches the network.
Can I use Ondo US Dollar Yield for real-world spending without selling it?
Through the Zypto Premium Visa Card, your USDY balance is converted at the point of sale, so you use the value of your crypto for real-world spending wherever Visa is accepted, subject to eligibility and applicable limits. You can also swap USDY into stablecoins in-app for bill pay or gift cards.
Which chains can I swap Ondo US Dollar Yield into?
20+ chains including Ethereum, Solana, Polygon, Arbitrum, Optimism, BNB Chain and TRON. Cross-chain swaps happen inside the Zypto App, no separate wallets required.
How do I back up my Ondo US Dollar Yield wallet?
During setup, Zypto App generates a 12-word recovery phrase. Write it down and store it offline somewhere safe. For higher security, pair Zypto App with a Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing your keys to the internet.
Is Zypto App available in my country?
The wallet itself is available globally on iOS, Android and web. Some features (in-app buying, the Zypto Premium Visa Card) are region-restricted. Check the support center for your country's specific availability.
Is Zypto App free?
The app is free to download and use. Standard network fees apply to on-chain transactions. Card and bill-pay services carry transparent transaction fees published in the app.