Kudona 4+

Invest & Earn Daily Interest

Kudona UAB

    • 4.8 • 18 Ratings
    • Free

iPhone Screenshots


Invest your savings with Kudona and earn up to 3.8% annual interest through digital assets.

Kudona is the safest way to make your money work for you with up to 3.8% interest. Invest directly from your bank, and gain from the best interest rates available in the European market.


Simple - We offer the easiest way to start earning interest through DeFi. Simply send or withdraw money any time - Kudona takes care of the rest.

Secure - We work with some of the largest financial institutions in Europe and deploy bank-level security measures to ensure your money is safe at all times.

Transparent - Track your money at all times through our mobile app (desktop coming soon) with absolutely no hidden fees.


1. There are seven steps involved in order for your assets to generate yield for you, but you need to do only one - the easiest one. You transfer money into a bank account at our partner bank.

2. We swap the money for digital assets called stablecoins that hold the same value as the money you transferred.

3. We then place your stablecoins in a smart contract on a decentralized finance platform.

4. The decentralized finance platform then lends out the money to a 3rd party borrower. In order for the borrower to be able to borrow money on a decentralized finance platform, they need to provide collateral in the form of other digital assets. This guarantees that even if a borrower defaults you will get your initial assets back.

5. In return for the loan, the borrower pays daily interest.

6. Finally, you can see the interest generated on a daily basis in the Kudona app.

7. The best part about this: You can withdraw your assets at any time and have real money back in your bank account within one to two banking days.


At Kudona we are putting the security of your assets at the core. Here are the three main elements to keep your money safe:

We work with a highly reputable European bank.

Your assets are held separately from Kudona’s assets, which means you can always request a transfer or payout of your assets any time.

On the technology side we ensure a high level of security from multiple angles. From choosing only the best partners, and deploying military-grade security to implementing comprehensive internal risk management standards.


Interest on decentralized finance platforms is generated in real-time and we update your balance in the app regularly.


You can withdraw your money at any time using our app and web platform (coming soon). There are no lock-up periods, so you will have your money back in your bank account one or two banking days later. Think of it as a typical bank transaction


Kudona is completely free to use and there are no hidden fees. In order to cover our costs and build a sustainable business we keep any additional interest beyond 3.8% annual interest generated in the digital asset world.

What’s New

Version 1.4.0

Small adjustments to the onboarding flow as well as improvements to our boost section.

Ratings and Reviews

4.8 out of 5
18 Ratings

18 Ratings

TomboHH ,

Einfach und übersichtlich

So muss es sein, wie der Titel schon sagt: einfach und übersichtlich

Developer Response ,

Besten Dank für das Feedback! Genauso soll es sein: einfach und übersichtlich.

NoexcusesAndi ,

Sehr empfehlenswert

Super Idee, App funktioniert super easy, schnell & einfach aufgesetzt und genau das was man in der aktuellen Zeit braucht, anstatt minus Zinsen für sein Geld zu zahlen, bekommt man hier ne tolle Rendite 🙌

Developer Response ,

Freut uns sehr, dass dir die App gefällt!

apple12101 ,

Einfach als ein Sparbuch

Sehr einfaches Setup und toller Ansatz mit der Absicherung.

Developer Response ,

Besten Dank für das Feedback!

App Privacy

The developer, Kudona UAB, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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