When you deposit money at a bank, it is loaned back to you in the form of mortgages, small business loans, credit cards, and other products. They've made about 2.6% annual rate this year, and 3-4% in the last 20 years or so.

After that, they pay you... almost nothing. Annually, 0.01-0.05% is typical. In today's best-case scenario, they'll pay around 0.6%.

panea puts your money to work for you rather than for a bank. The profit from your investment goes directly into your pocket.

Furthermore, an average person pays an additional $329 in bank charges each year in the USA. We do not charge any fees (and will not ever). Those savings are also effectively added to your annual earnings.

Furthermore, by removing ourselves from the bureaucracy of a large bank and actively seeking out the best opportunities, we are able to generate more appealing rates. As a result, we can offer higher rates than banks and share the benefits with you in the form of APY rewards.

We think they'd try to do what's best for their customers and make those points as useful as possible.

A lot more could be said about this. But the truth is that, unlike every other financial product on the market, we don't need to take money out of your pocket. Only if you win can we win. We think that people really need to use and understand those points.

On a different level, we want panea to be your main wallet for saving, spending, and other things.

One difference is that panea is not a bank, but it is better than a bank. There are faces behind, so each and every transaction that occurs in panea comes from interactions with real people—the owners. We mean you and us.

Interested in learning more about us and our investors? We aren’t anonymous. You can find out more about us on our page.

panea is not a bank. panea has partnerships with various payment providers that allow you to convert your assets into digital assets. We can provide you with an extremely competitive annual yield using a variety of financial instruments, as shown above.