01
Add money
Start with as little as $1. Pay with Apple Pay or a debit card through Coinbase.
A savings account with a monthly prize draw.
Plutos keeps your savings in U.S. Treasury bills and turns the interest into prizes, drawn at random every month. Your deposit stays yours, and you can withdraw it anytime.
Save money.
Win prizes.
Every dollar you save is an entry in every draw. Winners are picked at random each month, and prizes go straight into their savings. Nobody loses a cent of their deposit.
- Start with $1
- No fees to deposit or withdraw
- Draws verified by Chainlink
Interest fromU.S. Treasury bills
Random draws byChainlink VRF
Payments throughCoinbase
Runs onBase
How Plutos works
No tickets to buy. Your savings are your entries.
02
Get entries
Every dollar you save is one entry in every monthly draw, for as long as it stays saved.
03
Win prizes
The interest everyone's savings earn becomes the prizes. Winnings go straight into your savings.
How Plutos compares
The upside of a lottery ticket, without spending the money.
| Plutos | Savings account | Lottery ticket | |
|---|---|---|---|
| You keep the money you put in | |||
| A chance to win a big prize | |||
| Take your money out anytime | |||
| Free to take part |
Fair, and you can check it
Every part of Plutos can be checked by anyone.
Winners picked by Chainlink
Each draw uses a random number from Chainlink VRF, with a proof that anyone can check. Nobody at Plutos can choose who wins.
Prizes paid from Treasury interest
Savings are held in short-term U.S. Treasury bills. The interest they earn pays for the prizes, so deposits are never used.
Money in and out with Coinbase
Add money with Apple Pay or a debit card, and cash out to your bank account, through Coinbase.
Every transaction is public
Plutos runs on Base. Deposits, draws and prize payments are recorded publicly, so the numbers can always be checked.
More savings, more chances
Your odds grow with what you save. Someone with $1,000 saved has ten times the chances of someone with $100.
If you save
$500
500 entries every month
5× the odds of someone saving $100
$109B
spent on U.S. lottery tickets in 2025
Why we're building Plutos
Lottery tickets are popular because a small amount could change your life. But the money spent on them is gone.
In the UK, more than 22 million people use Premium Bonds instead, a government savings product that pays out prizes and never touches the amount saved. Plutos brings that idea to the U.S.
Read how Plutos works →Questions
More detail on the How it works page.
Can I lose the money I put in?
Prizes are paid only from interest, never from deposits, so the amount you save stays the same whether you win or not. Plutos is not a bank and won't be FDIC insured, and we'll set out every risk clearly before launch.
How are winners picked?
Each draw uses a random number from Chainlink VRF, which comes with a proof anyone can verify. Your chances depend on how much you've saved and how long it's been saved that month.
How big are the prizes?
The prize pool is the interest that everyone's savings earn in a month. Plutos keeps 15% of the interest and the rest is paid out as prizes. The more people save, the bigger the prizes.
How do I add and withdraw money?
You add money with Apple Pay or a debit card through Coinbase, and you can withdraw your savings at any time. Cash-outs go to the bank account linked in your Coinbase account.
When can I sign up?
Plutos isn't open yet. Join the waitlist and we'll let you know when it launches in your state. You can try the full app today on the Base test network, using test money.
Join the waitlist
We'll email you when Plutos launches in your state. We're not taking deposits yet.
You're on the list, .
We'll be in touch before launch. In the meantime, you can try the app on the test network.
Try the app