The Symphony App is now live|Early members can earn up to 100,000 bonus points for qualifying deposits
DownloadEarn a fixed 5% APY in cash, points, or a mix of both.
Use your Symphony points to book travel across the largest global airlines.
HonAnnette
Symphony's app for earning and saving is a game changer!
“Symphony is the first one that actually changed how I think about money. The 5% is great, but the thing I didn't expect to love is getting to choose how I receive my yield… It's the only finance app that's made saving feel like something I'm getting away with rather than something I'm sacrificing for.”
Johannes Amade
First innovation on a savings account in decades
“This is the first app I've seen where you earn credit card points by literally just SAVING money and the 5% interest on top is higher than most traditional high-yield savings accounts. I've been a credit card points guy for years, but the model is broken — you have to spend more to earn more. Symphony flips that entirely and lets me accrue points by doing nothing.”
Hhduly
User friendly
“The app is super easy to use, down to the graphics, charts, info buttons, etc. Setting up my account and connecting my bank was very smooth and I clearly understood what my money will earn over time as well as the points aspect. Super excited!!”
Ianrh1
Travel free just by saving
“I have never seen anyone else offer this. The ability to earn travel points and rewards for saving is such a novel and great concept. App feels super smooth and nice to use too and super easy to book flights and hotels in the app with the points earned.”
Irntamy
Best savings concept & app
“I love the idea of earning points on savings! I was keeping my savings across a bunch of different apps but never earned more than 3ish percent…joining Symphony instantly gave me access to 5% yield. Excited to try out the travel and points features on this!”
Dean82587337
Earn Points Guilt Free
“Super interesting concept to earn points on saving your money instead of spending it. Finally found a way to earn airline points without the guilt of spending thousands of dollars! Modern UI and easy to use. Highly recommend!”
HonAnnette
Symphony's app for earning and saving is a game changer!
“Symphony is the first one that actually changed how I think about money. The 5% is great, but the thing I didn't expect to love is getting to choose how I receive my yield… It's the only finance app that's made saving feel like something I'm getting away with rather than something I'm sacrificing for.”
Johannes Amade
First innovation on a savings account in decades
“This is the first app I've seen where you earn credit card points by literally just SAVING money and the 5% interest on top is higher than most traditional high-yield savings accounts. I've been a credit card points guy for years, but the model is broken — you have to spend more to earn more. Symphony flips that entirely and lets me accrue points by doing nothing.”
Hhduly
User friendly
“The app is super easy to use, down to the graphics, charts, info buttons, etc. Setting up my account and connecting my bank was very smooth and I clearly understood what my money will earn over time as well as the points aspect. Super excited!!”
Ianrh1
Travel free just by saving
“I have never seen anyone else offer this. The ability to earn travel points and rewards for saving is such a novel and great concept. App feels super smooth and nice to use too and super easy to book flights and hotels in the app with the points earned.”
Irntamy
Best savings concept & app
“I love the idea of earning points on savings! I was keeping my savings across a bunch of different apps but never earned more than 3ish percent…joining Symphony instantly gave me access to 5% yield. Excited to try out the travel and points features on this!”
Dean82587337
Earn Points Guilt Free
“Super interesting concept to earn points on saving your money instead of spending it. Finally found a way to earn airline points without the guilt of spending thousands of dollars! Modern UI and easy to use. Highly recommend!”
How it works
Symphony lets you decide how rewards show up: more cash, more points, or a balanced blend for travel, experiences, and everyday flexibility.
Reward mode
Cash
2.5% APY
Rewards
2.5% pts
Your interest paid in points
Yield strategy
Symphony generates yield through a diversified set of institutional lending strategies. By blending multiple sources of yield, we aim to reduce concentration risk and provide a more transparent, resilient approach.
Strategy details
Treasury Bills serve as the low-risk anchor of the yield basket, providing short-duration exposure to U.S. government debt. This strategy provides Treasury Bill exposure for on-chain settlement, while the underlying securities are held through regulated brokerage infrastructure.
Treasury Bill exposure is held through Alpaca Securities, a FINRA-regulated broker-dealer and SIPC member. Standard SIPC protects eligible securities and cash up to $500,000 per customer, including $250,000 for cash. Alpaca also maintains excess SIPC coverage through Lloyd's of London, up to $75M in securities and $75M in cash per customer, with a $250M aggregate limit.
Backed by U.S. government debt and focused on short-term T-bills for easier liquidity.
Held through regulated brokerage infrastructure, with SIPC protection for eligible securities and cash if a SIPC-member broker-dealer fails.
Custodian
Regulated broker-dealer custody for the underlying Treasury Bill positions. Alpaca is a FINRA-regulated broker-dealer and SIPC member.
U.S. Treasury bills were selected as the low-risk anchor of the yield strategy. They provide exposure to short-duration U.S. government debt while helping keep capital productive during periods when credit opportunities are less attractive. Underlying Treasury Bill positions are held through regulated brokerage infrastructure, with Alpaca Securities serving as the broker-dealer custodian via Dinari. Liquidity is designed around a T+0 to T+3 redemption window, depending on redemption timing, market conditions, and redemption size.
Learn more
Savings goals, your way
Create custom savings goals for whatever matters to you — a trip, a home, an emergency fund — and track your progress as your money grows.
Diversified Yield Sources
Four primary, verified yield sources generate cash rewards for your account.
Bank-grade security
Symphony uses TLS encryption, HSM-backed key protection, default-deny signing policies, and audit logs around sensitive operations.
Redeem for what you love
Use your points for flights, hotels, and dining. Earn rewards just by saving — not spending.
See how Symphony stacks up against traditional credit card rewards programs.
Your account earns at a fixed 5% APY. You choose the split between points and cash.
Includes $125,000 deposited plus $37,508 in rewards over 10 years.
$18,754 in point value
50% of your reward as interest
The 5% APY is currently a fixed rate, generated from diversified lending strategies including U.S. Treasury Bills, institutional credit, and asset-backed lending. See our Terms of Service for further details.
Your funds are protected by multiple layers of coverage: SIPC protection through our licensed custody partners, supplemental excess coverage via Lloyd’s of London, DeFi-deployment coverage via Nexus Mutual for smart-contract and protocol risks, and a dedicated reserve fund. Together these address events such as custodian failure, insolvency, and smart-contract exploits — they are not deposit (FDIC) insurance. Learn more on our security page.
Yes. Most withdrawals are processed near instantly — within 24 hours. Larger amounts may take up to 1–2 business days. No minimums, no penalties.
