Step 1
Pick a goal and a term
Flexible savings, or lock it for 1, 3 or 6 months. Mix them however you like.
Flexible1 mo3 mo6 mo
Powered by
The savings app that pays you for sticking with it.
Save in digital dollars, earn real interest and grow a little world as you go. Reach your goal and you also take a share of what early quitters leave behind.
Withdraw anytimeYour keys, your moneyNo crypto know-how
🔥 5-day streak
🪙 +5 coins
7.27% APY
Backed & built with
Blend
Why "vaquita"?
In Latin America, hacer una vaquita means everyone chips in for something bigger.
We took that idea to savings. Your pesos lose value, and savings apps are a chore. So you save in dollars, together, and the herd rewards the ones who keep going.
Step 2
Your dollars get to work
Deposits go into proven lending markets on Stellar and start earning interest from day one.
7.27%APY on flexible today
Step 3 · the twist
Quitters fund the finishers
Leave a locked goal early and you keep every dollar you put in — only the interest goes to the shared pool.
Step 4 · payday
Finish and take your share
Hit your goal and collect your interest plus a slice of the pool, split by how much you saved.
Savings calculator · Flexible
How much could you grow?
Estimate at the current flexible rate of 7.27% APY, compounded monthly. Rates change; this is approximately.
You'd have$624.16
You put in$600.00
Interest earned+$24.16
SAVE ● EARN ● PLAY ● STICK WITH IT ● SAVE ● EARN ● PLAY ● STICK WITH IT ●
Inside the app
A savings account that feels like a game.
01 · Your world
Saving you can actually see.
Every deposit grows your island. Streaks plant trees, goals unlock new buildings, and your balance sits right on top.
02 · Your portfolio
Every dollar, on one ring.
See how your savings split across terms, what each one earns, and your total. Down to the last cent.
03 · Your herd
Nobody saves alone.
Follow friends, visit their islands and compare streaks. A little friendly pressure goes a long way.
04 · Your record
Streaks, XP and trophies.
Daily rewards, coins and achievements, proof of a habit you actually kept.
Recognized by the Stellar ecosystem
Award
Best Integration
Stellar Week Buenos Aires 2025.
Grant
SCF Build Award
Funded by the Stellar Community Fund, round #42.
Track record
Tested with real savers
Our savings game ran live for 3+ months with 200+ real depositors before coming to Stellar.
What the herd is saying
“First time I've kept a savings streak past two weeks. The island thing is weirdly motivating.”
“I save in dollars without dealing with exchanges or wallets. My mom uses it too now.”
“Watching other people quit and my bonus grow is the most satisfying thing ever.”
“My friends and I compete on streaks. Nobody wants to be the one who breaks the herd.”
“Honestly I came for the cow. Stayed because my emergency fund finally exists.”
“Clear numbers, no fine print. I always know what I've earned to the cent.”
Safe by design
Your money never sits with us.
Vaquita runs on open smart contracts on Stellar. We can't move, freeze or lend your savings anywhere you didn't choose.
Self-custody
Funds live in your own wallet and contracts, not a company account.
Principal protected
Leaving early only costs your interest, never what you deposited.
Open source
Every contract is public on GitHub for anyone to check.
Pesos in, dollars saved
Top up from local currency through Anclap, in Spanish.
Good to know
Quick questions
No. If you can use a banking app, you can use Vaquita. Sign in, deposit, save, the technical parts happen quietly in the background.
Join the herd.
Start with a dollar.
Free to open, yours to withdraw, and way more fun than a spreadsheet.
Start saving free →