Earn up to 3.3% net yield · powered by

Your CHF.
Now earning.

Save in CHF stablecoin and watch it grow – right inside urble. No crypto experience needed. Just send CHF to your IBAN.

Simply put

Saving that actually pays off.

Your money doesn't have to stay idle in a bank account. urble puts it to work – in Frankencoin, a CHF stablecoin, earning variable interest. Transparent, straightforward, on your terms.

You save in CHF.

Deposit CHF to your IBAN in urble – that's it. urble handles everything else in the background.

Your money works for you.

It starts earning automatically up to 3.3% per year. The rate moves with the market – visible right in your account.

Earn more.

urble helps you build stronger savings habits. With a standing order, you earn higher yield for consistency and profit from the increased compounding effect over time.

You are in control.

urble never has access to your funds. You retain full control at all times.

Top up or withdraw any time.

Make regular contributions or dedicated top-ups and withdraw back to your bank account whenever you want.

Something to look back on.

Grandparents, godparents, friends – invite them to your child's savings goal. One day, your child sees who helped make it happen.

Curious what's happening behind the scenes? See how it works, under the hood.

How it works

Five steps. All in the app.

Just your CHF, working for you. No crypto know-how required – urble handles the technical side.

CHFDeposit

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VerifyKYC

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YieldEarn

Verify it's you.

A quick identity check (KYC) with our partner, so your account is safe and compliant. One-time, a few minutes.

Get your personal IBAN.

Once you're verified, you get a real IBAN – for you and for each savings account you open for someone else.

Send CHF.

Transfer from any bank, the same way you'd pay a bill. Set up a standing order for your recurring savings and let it run automatically to enjoy higher interest rates.

Receive in urble.

Once your CHF are received, our partner delivers Frankencoin to your urble account, which automatically uses the DeFi savings module from Frankencoin, according to your consent.

Watch it grow.

Your balance starts earning automatically after 3 days – unlike a traditional CHF account, where your money just sits idle.

Compare

Bank account vs. urble Savings.

Saving in CHF stablecoin is meant to be simple to use, but it isn't a traditional savings account. Understand the difference before you start.

Bank account	urble CHF Savings
Funds held by a bank.	Your CHF is held as a digital Swiss franc (Frankencoin) that tracks CHF, and grows automatically inside your urble balance.
Interest rate is set by the bank.	Savings rate is set by Frankencoin governance, variable, and not guaranteed.
Deposit protection may apply.	No traditional deposit protection.
The bank holds your money – you have no direct access to the underlying assets.	You're always in control – urble never has access to your funds.

Want growth instead of stability? See Bitcoin Savings.

Understand the risks

Make an informed choice.

This isn't insured the way a bank account is, and the yield isn't guaranteed. Here's the honest picture – with the safeguards that sit behind it.

You hold a digital franc, not cash

Frankencoin (ZCHF) tracks the value of CHF, but it isn't physical cash or a bank deposit, so it isn't covered by deposit protection.

Yield moves, and so can your balance

The rate is market-based and can rise or fall. In a severe, sustained market shock, value loss – including total loss – is possible, though Frankencoin's collateral buffers are designed to absorb stress before it reaches savers.

Your CHF value can move

It can temporarily move above or below what you put in.

Want to weigh this properly? Talk to someone you trust who understands this space, or read the full technical breakdown: How it works, under the hood.

Availability

Available after identity verification.

urble CHF Savings are available directly via the urble app. To deposit CHF via bank transfer, you first complete a quick identity check (KYC), handled by our partner DFX – open to a wide range of countries, not just Switzerland.

Fees

We only earn when you earn.

A share of your yield – between 0.2% and 0.9% – goes to urble as a service fee. Your deposited balance is never charged. No yield, no fee. Stay consistent – a standing order for recurring savings makes this automatic – and your net yield can increase over time.

Saving pays off when you stay consistent.

Build a stronger savings habit.
Earn higher yield for consistency.
Profit from the compounding effect.

FAQ

What you should know.

chevron_rightIs this a bank account?

No. It's not a bank deposit and isn't covered by classic deposit insurance.

chevron_rightIs this the same as holding fiat Swiss francs?

No. You hold Frankencoin (ZCHF), a digital token designed to track the value of CHF. It isn't fiat currency and isn't a bank deposit – its value can differ slightly from CHF, and it carries risks fiat cash doesn't.

chevron_rightIs the yield guaranteed?

No. It's variable and can change at any time.

chevron_rightDo I need to know anything about crypto to use this?

No. Deposit CHF, verify your identity once, and you're in.

chevron_rightCan I set this up to run automatically?

Yes. Set up a standing order in your e-banking, and your savings plan runs on its own from there. Plus, over time you can enjoy higher yield for showing consistency in your savings practice.

chevron_rightWhat does urble cost?

No fixed fee on your balance – only a share of the yield you earn (0.2–0.9%). No yield, no fee.

chevron_rightCan I lose money?

Yes. Risks exist – see «Understand the risks» above.

chevron_rightWant the technical details?

What's actually backing this, how the yield is generated – it's all laid out in how it works, under the hood.

ready to urble?

Start saving in CHF stablecoin now.

Download the urble app, choose Frankencoin Stable Yield Savings, and you're saving in minutes.

Your CHF.Now earning.