Frequently asked questions.

Otus is a smart savings and investing app that automatically finds the best places to grow your money. You deposit, and Otus takes care of the rest — finding opportunities, moving your funds, and earning returns on your behalf.

Anyone who wants their money to do more without having to become a financial expert. We built Otus for people who care about their financial future but don't have the time, energy, or access to optimize it themselves.

Otus connects you to crypto money markets — lending and savings protocols where borrowers pay interest directly to lenders. Because these markets have fewer intermediaries than traditional banks, more of the return goes to you. Rates are market-driven, not promised, and your funds are placed in established, audited protocols.

No. Otus handles everything behind the scenes. If you can use a savings account, you can use Otus.

Banks pay you a fraction of what your money actually earns and keep the rest. Otus cuts out the middlemen so more of the return goes to you.

Withdraw anytime. No lockups, no waiting periods. Funds typically arrive within minutes.

Your funds are placed in established, audited DeFi protocols with over-collateralized lending. We never take custody of your assets in a way that puts them at risk.

At launch, early access users will be able to enjoy Otus without any management fees, deposit fees, or withdrawal fees.

To make the most powerful financial tools in the world accessible to everyone — not just the wealthy or the technically savvy.