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High yield savings on dollars, Bitcoin & gold. Earn 7.6% APY, withdraw anytime.
By Kelvin Ooi
Security and privacy editor
Axal is a savings and investing app for three kinds of holdings: US dollars held as stablecoins, Bitcoin, and physical gold. The listing says Axal is not a bank and offers no FDIC-insured deposit accounts, and it describes the app as self-custodial, meaning the funds sit in an account the user controls.
The listing names three groups it is built for: people moving cash out of low-interest bank savings, long-term Bitcoin holders who want their coins to earn, and people who want gold exposure without a broker or a safe. It also says no crypto knowledge is needed, because debit card or bank transfer funding is handled by the app.
The build we hold is Axal: High Yield Savings Payment flow improvements (APKS split bundle) for Android 12L and up.
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Dollar balances are held in USDC, a stablecoin the listing attributes to Circle, which it describes as a regulated, publicly traded company. Interest is advertised at 6 to 10 percent on the cash balance, accruing daily, and the listing's summary cites 7.6 percent. It compares that rate to the national average bank savings rate, saying it is nearly 15 times higher, using FDIC data as of July 20, 2026.
The listing says there is no minimum balance and no account fees. It states that the yield comes from onchain lending protocols, that rates are variable and move with market demand, and that stablecoin yields are not FDIC insured and may lose value.
Bitcoin held in Axal earns up to 2 percent APY while it is held, according to the listing. The listing contrasts this with ordinary wallets, where coins sit idle. Purchases can start from $1, and the listing says withdrawals can be made at any time.
The listing warns that Bitcoin and other digital assets are volatile, that users may lose principal, and that Bitcoin yield is variable and can change.
Gold is bought in fractional amounts, so a whole bar is not required. The listing says each unit is backed one to one by physical bars stored in an insured London vault, and that Paxos audits and secures the vault. It also says gold earns yield on top of its price movement.
The listing describes the gold as tokenized and warns that it is volatile, that its yield is variable, and that a user may lose principal.
The listing names four ways to fund an account: Google Pay, bank transfer, a debit card, and existing USDC. After funding, the user chooses how to divide the balance across dollars, Bitcoin and gold, and the listing says the balance compounds over time.
The listing says there are no lockups, notice periods or withdrawal penalties, and that funds can be taken out at any time. Terms of service and a privacy policy are linked from the listing.