Loyal
Open app

Your funds don't depend on Loyal

Your keys stay yours. Your account is a Squads smart account and your yield comes from Kamino, the same infrastructure that secures billions on Solana. Everything keeps working whether or not we do.

Open the wallet
Loyal browser extension wallet showing an account balance

What secures your funds

Most of what stands between you and your money is infrastructure that already secures billions on Solana. For what can still go wrong, see Earn risks.

Squads

Your account runs on the Squads Smart Account program. Open source, audited by OtterSec, and the most widely used smart account standard on Solana.

Kamino

Yield comes from Kamino lending vaults, the same infrastructure Phantom and Anchorage route to.

Non-custodial

Loyal never holds your private keys and has no signing authority over your account.

Policy on-chain

Spending caps, token allowlists and approved programs are enforced by the Squads program, not by our servers.

No lock-in

Your smart account lives on the Squads program. It doesn't depend on our frontend, our API, or our permission. Any Solana client can reach it, including the CLI on your own machine.

What happens if Loyal disappears
Loyal SDK quick-start, showing the client libraries that talk to the on-chain programs

Verify it yourself

Everything Loyal writes is open source under AGPL-3.0: the wallet, the extension, the SDKs and the automation. Read the code, build it yourself, or fork the whole thing. State lives on-chain, so a fork stays compatible with everything else.

Smart accounts

Live on Solana mainnet, on the audited Squads Smart Account program.

Open-source clients

The wallet, the extension, and the SDKs are all public repositories you can build and run yourself.

Read every line at github.com/loyal-labs.

Track record

Numbers you can check rather than claims you have to take on faith.

Zero incidents

No loss of user funds since launch in October 2025.

Live assets under management

Updated in real time at stats.askloyal.com.

Quarterly transparency reports

Published every quarter since Q4 2025, with treasury addresses and balances. Read the latest.

On the record

Loyal discloses more than it has to, in places where the disclosure is checkable by someone other than us.

Blockworks B2 disclosure

One of 35 protocols with a complete B2 transparency disclosure, alongside Jupiter, dYdX and Morpho. Filed and current for H1 2026. Read the filing.

MetaDAO

The October 2025 ICO drew $75.9M in commitments against a $500K target, 151x oversubscribed. The treasury is governed by futarchy, not a founder wallet. See the raise.

Also featured by Solana Mobile and backed by Superteam.

Questions?
Answers.

Loyal is a self-custody Solana wallet that puts your money to work. Idle stablecoins earn the best available lending rate automatically, and every wallet is a Smart Account with policies and spending caps, so apps and agents can never move funds you didn't approve.

Deposit dollars and set how much goes to earning. Loyal routes that allocation to whichever reputable lending reserve currently pays the most and re-routes as rates move. The automation runs through an on-chain policy on your own smart account, so it never takes custody, and you can withdraw any time.

Loyal Earn carries the risk of supplying stablecoins to Kamino: a reserve bug, bad debt, or the stablecoin losing its peg. Your funds stay in your own Squads smart account, and an on-chain policy lets the automation only withdraw from and deposit into whitelisted Kamino reserves, so the worst it can do is pick a lower rate. No user funds lost since October 2025. The full breakdown is at askloyal.com/risks.

Not in Loyal Earn today. Earn runs on the Squads Smart Account program and Kamino K-Lend, both audited by OtterSec. Loyal's own code is the off-chain automation and the apps, which are open source and bounded by the on-chain policy.

Loyal Earn has no audit of its own because it has no smart contract of its own to audit. A security audit reviews on-chain program code, and Earn deploys none. Your funds sit in the Squads Smart Account program and earn in Kamino K-Lend, both audited by OtterSec. What Loyal adds is a policy: configuration stored in your Squads account and enforced by the audited Squads program, listing the two instructions the automation may call (deposit and withdraw) and the Kamino reserves it may call them on. Anyone can read it on-chain. Loyal's off-chain automation is open source and hasn't been audited, but it can only submit transactions the policy allows, so a bug in it can't move funds out of your account.

Start with the browser extension, web app, or mobile app, create a wallet, turn on earning, and approve only the permissions each app or agent needs.

Yes. You can keep multiple wallets under one smart account and separate balances, apps, agents, and permissions by workflow.

Connect through the Loyal extension or supported wallet flows, then set the exact signing, spending, and execution permissions for that app.

Smart Accounts are programmable wallets that can enforce rules before a transaction is signed or executed, such as limits, allowed destinations, and agent permissions.

You will be able to bring existing wallets into Loyal flows while keeping clear separation between imported keys and delegated smart-account permissions.

Yes. Loyal runs in your browser, on the web, and on mobile, so the same account model follows you across devices.