Live on NEAR mainnet

Save together.
Reach it together.

Joulity is the on-chain neobank for saving together. Open a personal pocket or a group pocket with family and friends, add money from any chain, and let it earn automatically.

Open the app →See the live vault
Sign in with emailNo gas feesMoney in from any chainEvery move on NEAR
In the vault now…real money
jUSD price…starts at $1
Yield on invested money…Rhea + Pendle
Paper strategies…since Nov 1

Read live from NEAR mainnet (joulity-vault.near) when this page loaded.

How it works

Four steps. No crypto skills.

1
Create a pocket

For you, or for a group: a trip, a wedding gift, a family project, an association.

2
Invite your group

Share a link. Friends read the rules, accept them and join. No money needed to join.

3
Add money from any chain

USDC or crypto from Ethereum, Base, Solana, Arbitrum and more. NEAR Intents turns it into dollars.

4
It earns automatically

Waiting money goes to the Joulity vault and earns, until your group reaches its goal.

Collective savings

Your group picks the rules. The contract keeps them.

Chosen once, when the group is created. Everyone who joins reads them and accepts them.

Free pocket

Your share is always yours

Everyone can take back what they put in, at any time.

  • Nobody can touch your share, not even the creator
  • Great for a shared trip fund or a family pot
  • The money earns while it waits
Locked goal

Nobody quits halfway

The money stays until the goal. The group decides together.

  • Pay out to the organiser: 75% yes
  • Leave early or refund everyone: more than 50% yes
  • Votes are weighted by money put in, 1 USDC = 1 vote
  • Nothing paid out 30 days after the date? Everyone takes their part back
Money in from anywhere

Any chain in. Dollars out.

Friends don't need the same wallet or the same chain. NEAR Intents moves the money and turns it into USDC on NEAR, gas paid by Joulity.

Ethereum Base SSolana AArbitrum NEAR USDC +and more via NEAR Intents
How the money earns

One vault. Every position visible.

Savings sit in one dollar vault on NEAR. It keeps 20% as cash for withdrawals and spreads the rest over strategies, each with a cap. A keeper runs it and every move is a public transaction.

Real money, live
Cash20% floor for withdrawals
…
Rhea lendingNEAR
…
Pendle fixed rateEthereum, via NEAR Intents + Chain Signatures
…
Tested on paper, live market data
Funding spreadHyperliquid vs exchanges
…
Curve stable poolsEthereum
…
Pendle PT rotationEthereum
…
Base lendingBase
…
Open the live vault dashboardSee it in 3D

Returns are never guaranteed. Paper strategies use pretend money with real market data and real costs.

Secure for every member

Simple to use. Safe by design.

Your own accountA real NEAR account in your name, opened with your email. No seed phrase to lose.
Rules in contractsPockets and goals are kept by NEAR smart contracts, not by our servers or by any member.
Hard limits20% cash floor, a cap per strategy, a cap per person. The keeper can only move money between the vault's own addresses.
Everything publicEvery deposit, move and report is an on-chain transaction, linked from the dashboard. Contracts are not audited yet.
OPTION

Reinvest your group's earnings

Your group can choose to turn its earnings into a mix of dollars, gold and Bitcoin.

COMING SOON

Card and IBAN

A payment card and a personal IBAN, so your group pot works like a normal bank account.

Start saving together.

Create a pocket, invite your group, reach it together.

Open the appSee the live vault
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