Aave Labs has released a new mobile application, now available on the Apple App Store, allowing users to carry out on-chain savings, earnings and borrowing directly from their phones.
The app, titled Aave: Save and Earn, is developed by Aave Interfaces Ltd and published under Aave Labs. It promises up to 9 % APY on savings, offers up to US$1 million in balance protection, and features no minimums or lock-ups for users. The app supports deposits and withdrawals through bank-linked payments and debit cards, while integrating seamlessly with on-chain liquidity markets.
Aave Labs previously announced the acquisition of Stable Finance in October 2025, a move designed to accelerate its consumer-friendly DeFi roadmap and simplify access to decentralized saving and lending products.
Through this mobile offering, Aave aims to bridge the gap between traditional finance and decentralized markets. Users can supply assets, earn interest, and borrow against collateral , all from a mobile interface. The company emphasises that the app handles smart-contract interactions in the background, making the experience familiar to people accustomed to standard savings or lending apps.
By bringing on-chain earning and borrowing tools into a mobile-first environment with bank-link support, Aave hopes to attract users who might otherwise be intimidated by wallet setup and blockchain complexity.
Still, risks remain. Users should understand that on-chain borrowing requires over-collateralisation and smart-contract interactions carry technical and regulatory considerations. While the app aims for simplicity, the underlying protocols remain blockchain-native and subject to market conditions.
With this mobile rollout, Aave sets a new benchmark for how decentralized finance can deliver familiar banking-style services with the transparency and flexibility of crypto innovation.
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