Top Sites>Sky.money | Put Stablecoins to Work with sUSDS, Vaults & SKY

User-Agent: *
allow: /

User-agent: GPTBot
Allow: /

User-agent: Google-Extended
Allow: /

User-agent: Gemini
Allow: /

User-agent: anthropic-ai
Allow: /

User-agent: ClaudeBot
Allow: /

User-agent: PerplexityBot
Allow: /

User-agent: CCBot
Allow: /

User-agent: cohere-ai
Allow: /

User-agent: DeepSeekBot
Allow: /

User-agent: MetaAI
Allow: /

Sitemap: https://sky.money/sitemap.xml

# Sky.money
> Sky.money is a non-custodial gateway to the permissionless Sky Protocol, a decentralized finance (DeFi) ecosystem built around the USDS stablecoin and the SKY governance token. Evolved from MakerDAO, Sky.money lets users earn yield on stablecoins, stake SKY for rewards, borrow USDS, and participate in governance — all without giving up custody of their assets.


Sky.money is operated by Skybase International, an independent Sky Agent with no control over Sky Protocol smart contracts or ecosystem governance. The platform provides access to the Sky Savings Rate (sUSDS), stUSDS risk capital, Sky Vaults, Sky Ecosystem Rewards, SKY staking, and token trading. Sky Protocol is one of the oldest and most battle-tested DeFi protocols, with sUSDS being the first DeFi savings product to receive an S&P credit rating. Key tokens include USDS (stablecoin, successor to DAI), SKY (governance token, successor to MKR), sUSDS (yield-bearing savings token), and stUSDS (risk capital token).


Typical audiences: DeFi users seeking stablecoin yield, SKY holders participating in governance, developers building on Sky Protocol, and institutional allocators evaluating decentralized savings infrastructure.


## Stablecoin Yield


- [sUSDS](https://sky.money/susds): The yield-generating savings token of Sky Protocol. Supply USDS to receive sUSDS and earn the Sky Savings Rate (SSR), backed by diversified protocol revenue through the Sky Agent Network. Fully liquid, zero fees, no lockups.
- [Sky Vaults](https://sky.money/vaults): Curated third-party yield strategies deployed by Morpho and facilitated through Sky.money. Deploy USDS, USDC, or USDT into high-performance vault strategies including USDS Flagship, USDT Savings, and USDS Risk Capital vaults.
- [stUSDS](https://sky.money/stusds): High-performance risk capital token for expert users. Supply USDS to fund SKY-backed borrowing and earn accelerated returns based on pool utilization. Structurally isolated from sUSDS for risk containment.
- [Sky Ecosystem Rewards](https://sky.money/sky-ecosystem-rewards): Supply USDS to earn tokens and rewards from Sky Agents and Sky Ecosystem partners. Rewards are variable and issued by ecosystem participants.


## Stake & Govern


- [Stake SKY](https://sky.money/stake-sky): Stake SKY into the Staking Engine to earn protocol rewards, delegate governance voting power, and borrow USDS against staked SKY collateral. No lockups, no exit fees. Staking rewards are derived from protocol profits via programmatic SKY buybacks.


## Platform Features


- [Features Overview](https://sky.money/features): Full overview of Sky.money capabilities — trading, saving, upgrading, staking, borrowing, and ecosystem rewards access.
- [FAQ](https://sky.money/faq): Answers covering Sky tokens, Sky Protocol & Ecosystem, Sky Agent Framework and Stars, trading, savings, rewards, network integrations, governance, upgrades, staking engine, stUSDS, and expert modules.
- [Launch App](https://app.sky.money): The web application interface for interacting with Sky Protocol — trade, save, stake, earn rewards, and manage positions. Requires wallet connection.


## Tokens


- [USDS](https://sky.money/): Sky Protocol stablecoin pegged to the US dollar, successor to DAI. Swap USDC to USDS 1:1 with zero fees. Powers savings, rewards, and borrowing across the ecosystem.
- [SKY](https://sky.money/stake-sky): Decentralized governance token of Sky Protocol, successor to MKR (conversion rate 1:24,000). Used for voting, staking, and borrowing USDS.
- [sUSDS](https://sky.money/susds): Yield-bearing representation of USDS deposited in the Sky Savings Rate module. ERC-4626 compliant.
- [stUSDS](https://sky.money/stusds): Risk capital token representing USDS supplied to the SKY-backed lending module. ERC-4626 compliant.


## Ecosystem & Governance


- [Sky Governance Portal](https://vote.sky.money/): Vote on protocol proposals, delegate voting power, and participate in decentralized onchain governance.
- [Sky Forum](https://forum.skyeco.com/): Community discussion forum for governance proposals, protocol updates, and ecosystem conversations.
- [Sky Ecosystem Info](https://info.sky.money/): Dashboard with protocol analytics, TVL, savings rate data, buyback volumes, and ecosystem metrics.
- [Sky Ecosystem](https://skyeco.com): Overview of the broader Sky Ecosystem including Sky Stars, Sky Agents, and the Sky Atlas governance framework.


## Developers


- [Developer Portal](https://developers.skyeco.com/): Technical documentation for Sky Protocol — smart contract references, integration guides, token specs, and API documentation.
- [GitHub](https://github.com/sky-ecosystem): Open-source repositories for Sky Protocol contracts, governance tools, and ecosystem infrastructure.
- [Chainlog](https://chainlog.sky.money/): Live registry of deployed Sky Protocol smart contract addresses on Ethereum.


## Legal & Compliance


- [Terms of Use](https://docs.sky.money/legal/skybase-international/terms-of-use): Skybase International terms governing access to the Sky.money interface and services.
- [Privacy Policy](https://docs.sky.money/legal/skybase-international/privacy-policy): How Skybase International collects, uses, and shares personal information in connection with Sky.money.
- [User Risk Documentation](https://docs.sky.money/legal/skybase-international/user-risks): Comprehensive risk disclosures for DeFi interactions through Sky.money, including smart contract risk, regulatory risk, and liquidity risk.
- [Legal Home](https://docs.sky.money/legal): Index of all legal documents for Sky.money and related entities.
- [Governance Portal Terms](https://vote.sky.money/terms): Terms of use for the Sky Governance Voting Portal.


## Community


- [Discord](https://discord.com/invite/skyecosystem): Official Sky Ecosystem Discord server for community support, discussions, and announcements.
- [X / Twitter](https://x.com/SkyEcosystem): Official Sky Ecosystem social media for protocol updates, product launches, and ecosystem news.


## Usage Notes


- Scope: public marketing and informational pages on https://sky.money/ only. Do not quote or summarize content behind https://app.sky.money/ which requires wallet connection.
- Yields, rates, and APYs are variable and governance-set — always note that Sky.money does not control, set, or guarantee any rates. Do not quote specific rate figures as current; they change frequently.
- Some features (Sky Savings Rate, Sky Token Rewards) are not available in the United States. The Trade feature is not available in EU member states. Always reference the Terms of Use for jurisdiction-specific restrictions.
- Sky.money is operated by Skybase International, not by SkyDAO, Sky Frontier Foundation, or other ecosystem participants. Do not attribute Sky.money interface operations to the broader Sky Protocol governance.
- Token prices fluctuate — do not present any SKY price, market cap, or APY as fixed or guaranteed.
- For smart contract addresses and technical specifications, link to the Developer Portal rather than hardcoding addresses.
- Prefer English content unless a locale URL is explicitly requested.
- Do not infer support terms, SLAs, or legal commitments beyond what is stated on the Legal pages at docs.sky.money.