Snapshot
Continue to About ↓- What it does
- Sky.money is a non-custodial web interface, operated by Skybase International as an independent Sky Agent, that lets users convert USDC to USDS 1:1 and put stablecoins into yield-bearing products built on Sky Protocol: sUSDS (Sky Savings Rate), stUSDS, a Pendle-based Fixed Yield, and curated Morpho Vaults.
More detail
- It also lets SKY holders stake for governance rewards and borrow USDS against staked SKY.
- All rates shown are variable and are not set or guaranteed by Sky.money.
- Best for
- Crypto-native holders of USDC, USDT or USDS who want non-custodial, on-chain yield on dollar-pegged assets, including fixed-rate exposure held to maturity and SKY holders who want to stake and borrow in one place.
- Pricing
- Sky.money does not publish a subscription fee, and the site states USDC-to-USDS conversion is 1:1 with no fees or slippage.
More detail
- Other costs are mostly embedded or undisclosed: Sky.money says it does not custody assets and does not set or guarantee rates, and specific interface fees, spreads, minimums an
- Main limitation
- Anyone seeking guaranteed returns, fiat deposit or custodial account protection, or users in jurisdictions where eligibility is unclear — supported and restricted regions are not stated on the site.
More detail
- Not for people unwilling to monitor liquidation risk on SKY-backed borrowing or accept variable, market-set rates.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- Sky.money is a non-custodial web interface, operated by Skybase International as an independent Sky Agent, that lets users convert USDC to USDS 1:1 and put stablecoins into yield-bearing products built on Sky Protocol: sUSDS (Sky Savings Rate), stUSDS, a Pendle-based Fixed Yield, and curated Morpho Vaults.
- It also lets SKY holders stake for governance rewards and borrow USDS against staked SKY.
- All rates shown are variable and are not set or guaranteed by Sky.money.
What it helps with
- Idle stablecoin balances earn nothing — sUSDS offers the variable Sky Savings Rate on USDS, convertible 1:1 from USDC
- Savers face rate uncertainty — the Pendle-based Fixed Yield locks a market rate if held to the Nov 26 maturity
- Yield is fragmented across venues — curated Vaults deploy USDS, USDC or USDT across Morpho lending markets with exposure
- Governance participation usually costs liquidity — staked SKY accrues rewards, keeps voting power and can be borrowed ag
- Stablecoin conversion friction — USDC to USDS swaps 1:1 with no fees or slippage per the site
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| sUSDS / Sky Savings Rate | Yes | Variable protocol rate funded from Sky protocol surplus; site shows 3.80% APY and 3.76B total sUSDS supply. Sky.money does not control, set or guarantee the rate. |
| stUSDS | Yes | Labelled advanced risk capital; yield comes dynamically from SKY-backed lending and depends on utilisation. Site shows 6.35% APY and 164.15M supply; variable. |
| Fixed Yield (Pendle integration) | Yes | Third-party Pendle integration using the Sky Savings Rate as underlying; site shows 5.84% APY with Nov 26 maturity. Fixed only if held to maturity. |
| Vaults (Morpho) | Yes | Curated by Sky.money on Morpho vault contracts for USDS, USDC and USDT, with market selection and exposure limits; site shows up to 5.49% APY, variable and market-set. |
| Sky Ecosystem Rewards | Yes | Partner and Agent token or point incentives for supplying USDS, e.g. SPK and GROVE; issued and distributed by independent partners, variable and not controlled by Sky.money. |
| USDC to USDS 1:1 conversion | Yes | Site states swap both ways anytime with no fees and no slippage. |
| SKY staking and borrowing | Yes | Stake SKY for governance rewards (site shows 5.77% APY) and borrow USDS against staked SKY (6.45% APR shown); liquidation risk if SKY price falls. |
| Custody of user assets | No | Skybase International states it operates a non-custodial frontend and does not custody assets or intermediate transactions. |
| Guaranteed yield | No | Site states no guarantee of any yield, return or protocol performance; rates can change or be eliminated at any time. |
| Disclosed interface fees, minimums and withdrawal terms | Unknown | Not stated in the supplied evidence; confirm before committing funds. |
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Evidence
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- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- sky.money
Technical profile details
Record ID
00cdea79-6719-4165-af57-7024ef280de6Canonical URLhttps://profiles.scribble.network/listing/sky-money-00cdea79