Future Fund

Your money should work as hard as you do.

Put your idle funds to work with an annual return of up to 3%. No hidden fees, just more potential for your pay. Access on your Ontop Wallet.

Competitive Yields

Easy movement

No hidden costs

Returns are not guaranteed and may vary. Future Fund is not a bank deposit.

Stop leaving money on the table.

Your Ontop Wallet is perfect for daily spending, but keeping all your funds there means missing out on potential rewards. Future Fund gives your balance a purpose, targeting an up to 3% annual return on eligible funds.

Start growing today →

How It Works

Three steps to more.

Opt-in

Activate Future Fund in one tap from your dashboard.

Hold

Keep an eligible balance in your account.

Grow

Earn rewards calculated on your daily balance, credited monthly.

Financial growth, clearly explained.

We don’t do jargon. We do clarity. Future Fund is an optional program designed to help you seek rewards on your global earnings.

Target Return

Stable rates. You know exactly what you earn.

Not a Bank

Not a savings account. Not FDIC insured.

Total Control

You can opt in or out at any time through the app.

Risk

Returns aren’t guaranteed. Balances may vary.

Access the program terms here

Frequently asked questions

How does the 3% return work?

the 3% is an annual target return calculated based on your eligible daily balance. It is credited to your account monthly. Keep in mind: this rate is "up to 3%" and can change based on market conditions or program updates.

Is my money safe?

Future Fund is designed to seek rewards on your idle funds, but it is not a bank deposit. Unlike a traditional savings account, it is not FDIC insured. While we aim for stability, participation involves risk, and returns are not guaranteed.

Can I get my money out whenever I want?

Yes, you can opt out at any time. However, moving funds from Future Fund back to your primary wallet may take up to 1 day to process. Check the program terms for specific withdrawal windows.

Are there any fees to join?

No hidden "membership" or "maintenance" fees here. We win when you win. Any costs associated with the program are already baked into the target return rate.

Who is eligible for Future Fund?

Eligibility depends on your region and the type of contract you have through Ontop. Once you log in, your dashboard will clearly show if you’re ready to start earning.

Is this a savings account?

Technically, no. It’s a rewards program for your balance. It offers a higher potential return than a standard wallet, but without the government-backed insurance of a traditional bank account.