What is Otus?
Otus is a consumer fintech platform that makes onchain finance simple and automated. Instead of managing wallets, protocols, or strategies yourself, Otus uses AI agents and automation to handle everything behind the scenes - so you can put idle digital dollars to work with minimal effort.
Otus is currently under development and preparing for public launch.
What are stablecoins?
Stablecoins are digital assets designed to maintain a stable value, typically pegged 1:1 to the U.S. dollar. Examples include USDC and USDT. Unlike volatile cryptocurrencies, stablecoins are built to behave more like cash, while still being usable in onchain financial systems. They are widely used because they combine the price stability of dollars with the programmability of blockchain technology.
What does yield on stablecoins mean?
Yield on stablecoins comes from supplying stablecoins into onchain lending markets where other participants pay to borrow them. In return, suppliers earn interest. This yield is generated by market demand, not by price speculation, and is paid in stablecoins.
For users who want a deeper understanding of onchain lending and how yield is generated, we’ll publish more educational material closer to launch.
How is onchain yield different from a traditional savings account?
In a traditional savings account, banks lend out deposits and pay depositors a portion of the interest they earn.
Onchain yield operates on similar economic principles, but uses blockchain-based financial infrastructure instead of banks. Otus is designed to abstract away this complexity so the experience feels simple and familiar, even though the underlying system is different.
Is this FDIC insured?