A capsule that holds dollars, and earns while it waits.
The same design as the Euro capsule, denominated in dollars. It holds regulated dollar stablecoins, so no bank holds your child’s money — and it earns interest across the eighteen years rather than sitting still.
No date promised. One email to confirm, one when it is real — nothing else.
What it will be
- Holds
- Dollars (USDC)
- Issued by
- Circle — NYSE: CRCL
- Earns interest
- Yes
- Our share of interest
- One dollar in five
- Opens
- 18th birthday
- Withdrawals before then
- None, for anyone
- Monthly fee
- None
- Recovery
- Printed kit, works without us
Who it is for
Families who think in dollars, and families anywhere who want the steadier of the two currencies on offer. Everything else about the capsule is identical: one-way deposits, keys held by your family, a printed recovery kit, and a date nobody can move.
How the interest will work
The capsule earns interest on the balance. We keep one dollar in five of what is earned, never the deposits. The interest comes from lending markets rather than a bank rate, so it moves with them and is not guaranteed — and we will show it net of our share.
Why it is not here yet
The same reason as the euro version: paying interest for eighteen years means partners and licences, and a promise we can only make once. Bitcoin capsules are open today because they need none of it.
Compared to a Bitcoin capsule
- Volatility
- Much lower
- Earns interest
- Yes
- Deposit fee
- 0.75%
- Yearly fee
- None
- Available today
- No
Balances are investments, not deposits, and are not covered by any deposit-guarantee scheme.