Stake to win!

NEXT REWARD $100

Once 100 people stake $10,

the system automatically distributes a reward of $100.

Didn't win? Don't worry!

Your investment keeps earning up to 20% per year.

Next reward…

PEOPLE ACTIVE REWARDS WINNERS
1 $1 BwN…jhw
10 $10 DH9…tw9
100 $100 ?
1,000 $1,000 ?
10,000 $10,000 ?
100,000 $100,000 ?
1,000,000 $1,000,000 ?
10,000,000 $10,000,000 ?
100,000,000 $100,000,000 ?
1,000,000,000 $1,000,000,000 ?
PEOPLE REWARD WINNER
1 $1 BwN…jhw
10 $10 DH9…tw9
100 $100 ?
1k $1,000 ?
10k $10,000 ?
100k $100,000 ?
1M $1M ?
10M $10M ?
100M $100M ?
1B $1B ?
PEOPLE 1
REWARD $1
WINNER BwN…jhw
PEOPLE 10
REWARD $10
WINNER DH9…tw9
PEOPLE 100
REWARD $100
WINNER ?
PEOPLE 1,000
REWARD $1,000
WINNER ?
PEOPLE 10,000
REWARD $10,000
WINNER ?
PEOPLE 100,000
REWARD $100,000
WINNER ?
PEOPLE 1M
REWARD $1M
WINNER ?
PEOPLE 10M
REWARD $10M
WINNER ?
PEOPLE 100M
REWARD $100M
WINNER ?
PEOPLE 1B
REWARD $1B
WINNER ?

Stake $10, save the token to your account,
and enter the draw for the reward.

Stake to win!

STARTER PLAN APY LOCK PERIOD/MONTH LIQUID TOKEN
$10012%03102 USD20
$50014%06530 USD20
$1,00016%121,160 USD20
$5,00018%6011,400 USD20
$10,00020%12061,900 USD20
$1020%12061.91 USD20
DEPOSIT APY
$1020%
$10012%
$50014%
$1,00016%
$5,00018%
$10,00020%
MIN DEPOSIT $100
LOCK PERIOD 03 months
APY 12%
YOU RECEIVE 102 USD20
MIN DEPOSIT $500
LOCK PERIOD 06 months
APY 14%
YOU RECEIVE 530 USD20
MIN DEPOSIT $1,000
LOCK PERIOD 12 months
APY 16%
YOU RECEIVE 1,160 USD20
MIN DEPOSIT $5,000
LOCK PERIOD 60 months
APY 18%
YOU RECEIVE 11,400 USD20
MIN DEPOSIT $10,000
LOCK PERIOD 120 months
APY 20%
YOU RECEIVE 61,900 USD20
MIN DEPOSIT $10
LOCK PERIOD 120 months
APY 20%
YOU RECEIVE 61.91 USD20

Invest over $100 to earn more.
It also unlocks invitations and you earn $5 for each activated invitation.

Why 20apy?

Brazil has one of the highest interest rates in the world.

Brazilians often pay over 400% per year to credit costs.

20apy exists to reduce the cost of credit and restore financial dignity for Brazilians.

We provide credit backed by high-quality assets.

This structure allows the system to generate sustainable returns.

That's why we can offer terms of up to 20% per year.

Join our purpose! Help reduce abusive interest rates.

Compete for rewards and earn up to 20% apy.

Next reward: $100.

Whitepaper

Frequently Asked Questions
What do I need to get started?

A Web3 wallet Solana with stablecoin USDC or USDT. If you already operate with wallets and stablecoins daily, it's two steps: connect your wallet and do the $10 Stake Minimum.

What's the minimum amount to participate?

$10. The ticket was designed to eliminate barriers and let anyone experience the model without committing significant capital. The barrier isn't money, it's understanding.

Do I need to understand DeFi to use 20apy?

You need to understand the basics: wallet, stablecoin, and stake. If you already operate in Web3, you'll feel at home. 20apy wasn't built to educate beginners, it was built to deliver value to those who already understand how the game works.