# Malta: Earn 8% APY with DeFi — Save & Invest with DeFi

> Earn high APY on savings by investing in DeFi with secure, overcollateralized stablecoin deposits. (iPhone/iPad app by Safahi Corp..)

- Source: https://appshunter.io/ios/app/malta-earn-8-apy-with-defi/id1640646702 (this page in markdown: same URL + `.md`)
- Developer: [Safahi Corp.](https://appshunter.io/developer/1605865839)
- Category: Finance, Business
- Price: Free
- Rating: 3.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 15 MB
- Languages: English
- Released: 2022-09-01
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/malta-earn-8-apy-with-defi/id1640646702/reviews.md

## What is Malta?

Earn 8% APY with Malta, the easiest way to work your money harder. Invest directly from your bank and earn 20x more interest.


HOW IT WORKS


When you deposit money from your bank, Malta automatically converts your US dollars to digital dollars (a stablecoin called cUSD).


We put your dollars to work in lending markets seeking to provide you a protected base APY of 5%.


At all times, your funds are protected by overcollateralization, typically 125-200%.


Our lending partners include US regulated custodians such as Wyre & Genesis.


Sit back and watch your money earn interest in real time, 24/7!


SIMPLE INVESTING


Link your bank account, set up a recurring deposit, or earn APY on the spare change from every day purchases.


SAVE WITH BOXES


Saving up for a vacation, new car, or home? Use Boxes to help you start saving saving towards your special goals.


NO LOCK-INS


Your money earns interest in real time, 24/7. You add funds or withdraw to your bank whenever you like, no probs.


BOOST YOUR APY


Earn more APY with our special in-app rewards, Boosts. Refer a friend and get +5% APY for 5 days when they make their first deposit.


SAFE AND SECURE


- Malta is a FinCEN registered organization.


- We make lending secure by protecting your funds with overcollateralization, typically 125-200%.


- Accounts on Malta are not FDIC insured and therefore not zero-risk.


- We use the highest security standards: AES-256 alongside 2FA and personal PINs.


- We partner with industry leaders, Plaid and Stripe , to ensure secure deposits and withdrawals.


- Our partners include US regulated custodians Wyre & Genesis, who safely manage over $5 billion in assets.


LEARN MORE


https://www.maltafinance.org

## Key features

- Earn 8% APY on deposits
- Convert USD to stablecoins
- Overcollateralized fund protection
- Link bank accounts for deposits
- Recurring deposits
- Save spare change
- Referral bonuses for boosted APY

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/malta-earn-8-apy-with-defi/id1640646702/reviews.md

### 1/5 — App does not work

*2025-05-22*

The app doesn’t work get to the login screen and to add funds and it’s froze won’t let me go any further

## Frequently asked questions about Malta

### How does Malta help me earn 8% APY?

Malta converts your US dollars to a stablecoin (cUSD) and invests them in lending markets. These markets aim to provide a base APY of 5%, with additional rewards like Boosts potentially increasing your total APY to 8% or more.

### Is my money safe with Malta?

Malta protects your funds with overcollateralization, typically between 125-200%. They also employ AES-256 encryption, 2FA, and personal PINs for security. However, accounts are not FDIC insured and therefore carry some risk.

### Can I access my money anytime with Malta?

Yes, Malta offers no lock-ins. You can add funds or withdraw to your bank account whenever you like, 24/7, while your money continues to earn interest in real time.

### How do I deposit money into Malta?

You can link your bank account to deposit funds. Malta partners with Plaid and Stripe to ensure secure deposits and withdrawals. You can also set up recurring deposits or save spare change from purchases.

### What are 'Boxes' in Malta?

Boxes are a feature within Malta designed to help you save towards specific financial goals, such as a vacation, new car, or home. They allow you to organize and track your savings for these objectives.

### Does Malta have ads?

No, Malta does not contain advertisements. The app is free to use and focuses on providing its core investment and savings features without interruption.

### What devices does Malta support?

Malta is available on iPhone and iPod devices. The app is designed for iOS users who want to manage their savings and investments on the go.

### When was Malta last updated?

The latest version of Malta, 1.2, was released on September 1, 2022. The app was initially released on the same date in 2022.

## Version history (last 1 release)

### 1.2 — 2022-09-01

No release notes.

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## More apps by Safahi Corp.

- [Fortress Vault](https://appshunter.io/ios/app/fortress-vault/id1618872995)
- [UCSB Lagoon](https://appshunter.io/ios/app/ucsb-lagoon/id6760681142)

All apps by Safahi Corp.: https://appshunter.io/developer/1605865839

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*