Banks lend your money out and keep most of the returns. Nammu does it differently.
Link your bank account and transfer any amount starting at $10. Your money appears in your Nammu account within minutes. No monthly fees.
Your money enters a secure lending market. Same principle as banks, except you keep more of the rewards. Borrowers put up more than they borrow as security. If they can't repay, their security is automatically sold to protect your funds.
Rewards accrue daily based on borrower demand. No action needed from you. Rates are typically higher than banks because there's no headquarters, branch network, or executive bonus pool taking a cut.
Use the slider to decide how much of your rewards you keep and how much goes to rainforest conservation. Want to keep everything? That's fine. Want to send it all to the Amazon? Also fine.
When your rewards are donated, the transaction is recorded on a public ledger that anyone can verify. You'll see exactly when your money was sent, how much, and to which conservation partner.
Request a withdrawal to your bank account whenever you want. No lockups, no penalties, no waiting periods.
Your bank pays you under 0.4% on what you keep there (FDIC, March 2026). Meanwhile, they lend your money out to homebuyers, businesses, and credit card holders, earning 5-7% on those loans.
The difference between what they earn and what they pay you? That's their profit.
Nammu works on the same principle, just without the bank in the middle. Your funds go into a secure lending market where borrowers pay for access to capital. Because there's no bank taking the spread, more of the rewards go back to you.
That's it. No exotic strategies. Just lending, with better economics.
There is real risk involved. Here's what stands between your money and a bad day.
The digital dollars backing your funds are also trusted by Visa, Stripe, and PayPal.
We believe transparency about risk is more protective than false assurances of safety.
Nammu allocates your funds across independently audited lending markets, selected for their security track record and liquidity depth.
Over-secured lending market where borrowers must put up more than they borrow. Strict collateral thresholds with automatic liquidation.
A second independently audited lending market providing diversified reward sources and additional liquidity options.
As we add new lending markets, your funds may be allocated across multiple vaults to optimize rewards and reduce concentration risk. You'll always see exactly where your funds are deployed.
Every donation is recorded on a public ledger with a unique transaction ID you can verify yourself.
Our primary partner spends 92.22% of funds directly on conservation programs. Source
60M+ acres protected across 67 countries · 92% of funds to programs
43M acres of Indigenous land secured · Satellite & drone monitoring
6M hectares defended · 26 extraction projects stopped · Indigenous rights
Your funds are held as USDC, a regulated digital dollar issued by Circle. USDC is backed 1:1 by cash and short-term US Treasury bills, with reserves attested monthly by Deloitte. USDC has over $60 billion in circulation and is trusted by Visa, Stripe, and PayPal. Because USDC moves over digital payment networks, transactions settle in seconds instead of days, which is what allows us to cut out the overhead and pass more rewards back to you.
Funds earn rewards through Morpho Protocol, an over-collateralized lending market operating on the Base network (built by Coinbase). Morpho has undergone 25 security audits by firms including Spearbit, Trail of Bits, and Cantina. The protocol manages over $3.7 billion in total funds.
Donations are routed through Endaoment, a 501(c)(3) nonprofit that processes charitable giving via smart contracts on the Base network. Every donation is recorded on-chain with a verifiable transaction hash. Endaoment's maximum fee is 1.5%.
We'd rather answer a hundred questions than have one person feel unsure.
Reach out at [email protected]. A human will reply.