Holding stablecoins onchain has always been a trade-off. You can park your funds in a non-yielding token like USDC or USDT and watch inflation quietly eat your runway, or you can chase yield through a maze of DeFi protocols and accept the operational overhead. 

Either way, your balances and movements are sitting on a public ledger for anyone to see. Existing onchain yield products do not protect your privacy. 

That trade-off ends today.

AnomaPay now offers private onchain yield via Sky’s sUSDS, delivered by Osero Earn.  AnomaPay users can now hold and transact in a risk-adjusted, yield-bearing stablecoin that earns the Sky Savings Rate (3.6% APY as of today), while keeping their balances and payment activity completely private. 

This integration introduces the first private, yield-bearing onchain savings account, backed by $11+ billion in collateral and $5+ billion in deep liquidity.

Get started now at anomapay.app and set up your account in less than a minute.

A quick refresher on AnomaPay

AnomaPay is a private payments application built on the Anoma Distributed Operating System (DOS). It introduces a private payment rails to EVM-compatible chains, allowing users to hold, send and receive existing assets (like ETH, USDC, USDT, XAN, and now sUSDS) without broadcasting their balances, counterparties, or transaction history to the entire internet. 

What are Sky and Osero?

Sky (formerly MakerDAO) is one of DeFi's most battle-tested protocols. As part of its Endgame transition in 2024, MakerDAO became Sky Protocol, and DAI was upgraded to USDS, the core stablecoin of the Sky Ecosystem. Today, Sky Protocol is the third-largest stablecoin issuer behind Tether and Circle. The Sky Ecosystem is a global savings and capital allocation network managing billions in diversified assets powering the Sky Savings Rate via sUSDS. 

Osero operates as an agent (aka subDAO) in the Sky Ecosystem. Sky Savings Rate can be accessed in AnomaPay through Osero Earn. Osero Earn is the stablecoin yield SDK that lets any platform (CEXs, neobanks, wallets, and custodians) offer institutional-grade savings products to their users.

What is sUSDS and how does it work?

sUSDS is the world’s largest yield-bearing stablecoin. Backed by $11B+ in institutional-grade collateral and sophisticated deployment strategies, sUSDS offers frictionless, auto-compounding yield to users who hold it. Users can get yield-bearing sUSDS by converting USDC or USDS using Sky’s Savings vault. Swapping assets for sUSDS is like depositing into a savings account: sUSDS balances grow automatically and have no lockups or fees.

While conventional DeFi yield products depend on volatile borrowing demand, the Sky Savings Rate is backed by diversified, institutional-grade revenue curated by Sky Protocol governance to outperform standard lending rates. The Sky Savings Rate changes periodically according to governance votes. For users who want stablecoin exposure with a real, transparent yield from a protocol with a decade of DeFi history behind it, sUSDS is quickly becoming a new standard.

AnomaPay has now integrated sUSDS and the Sky Savings Rate via Osero Earn. 

Until now, holding sUSDS meant accepting that your balance and yield were visible to anyone with your address. Pairing yield with privacy required bridging, swapping, or stitching together multiple protocols. Even then, the link between your public wallet and your yield strategy was usually traceable.

What this means for AnomaPay users

Starting today you can get 3.6% on sUSDS deposits in AnomaPay with the Sky Savings Rate. By holding sUSDS in AnomaPay, the Sky Savings Rate automatically accrues to your account, with no lockups or fees. Thanks to AnomaPay, your sUSDS balances and history stay private.

For now, you’ll need to swap assets for sUSDS outside of AnomaPay (via sky.money or elsewhere) before depositing, but in-app swaps to sUSDS from USDS and other assets is planned for a future version of AnomaPay.

You can send and receive sUSDS through AnomaPay just like any other supported asset. Pay a vendor, settle with a contributor, or move funds between your own accounts, all while the underlying balance earns the Sky Savings Rate.

Try it now

If you're already using AnomaPay, sUSDS will now appear as a supported asset in your deposit and payment flows. If you're new, signing up takes seconds: just connect an existing wallet or create a passkey account.

Protecting your stablecoin balances from inflation has never been easier. Now you can do it completely privately. Head to anomapay.app now and put your stablecoins to work.