Inflation is real.
0.5% isn't a solution.
Georgian savers are sharp, hardworking people. But the local banking system offers savings rates that barely exist — while inflation quietly erases the value of every lari sitting idle.
The high yields of DeFi protocols have always been there. But they felt out of reach — complex wallets, confusing interfaces, and real risk of getting it wrong. Lucra changes that.
"Your savings, finally working for you."
Your money, at work
Deposited
Bank transfer
Earning daily
Yield protocols
5,310 GEL
+310 GEL earned
The difference is hard to ignore.
On the same 10,000 GEL deposit, here is what one year looks like.
TBC / Bank of Georgia
0.5%
APY on savings
After 12 months
10,050 GEL
+50 GEL earned
High-yield savings
6%
APY on savings
After 12 months
10,600 GEL
+600 GEL earned
That's 12 times more — on the same money, with the same effort.
Three steps.
Then just watch it grow.
Sign up in 2 minutes
Create an account with your email and phone number. No seed phrases. No crypto wallets. No technical setup of any kind.
Deposit your savings
Transfer money directly from your bank account. One tap. Lucra handles everything behind the scenes — routing, protocol, yield.
Watch your money grow
Your earnings update daily. Withdraw anytime — no lock-ins, no penalties. It works exactly like a savings account, just with a real return.
What we believe
about your money.
Your funds stay yours
Lucra never commingles your money. Your deposits are held separately, routed to established protocols — Kamino and Marinade — with a track record millions trust.
Complete transparency
We explain in plain language where your yield comes from — no hand-waving, no vague promises. You can read it all, any time, in the app.
Withdraw any time
No lock-in periods, no early withdrawal penalties, no fine print. Your money is available whenever you need it — same-day, every day.
Simple by design
Lucra is built for people, not protocol experts. If your parents can use online banking, they can use Lucra. The complexity lives entirely on our side.
Real protocols.
Real yield.
Zero guesswork.
Lucra routes deposits to Kamino Finance and Marinade Finance — two of the most established and audited protocols on the Solana blockchain, managing over $1 billion in assets.
These protocols earn yield by lending to overcollateralized borrowers and by staking SOL with verified validators. Lucra is simply the clean front door.
You never touch crypto directly. You deposit GEL, we handle the conversion and placement, you earn the yield, and you withdraw GEL whenever you like.
Kamino Finance
Audited lending protocol on Solana — over $800M in managed assets
Marinade Finance
Liquid SOL staking protocol — $200M+ TVL, audited by multiple security firms
Yield rates are variable. The 5–8% APY range reflects current protocol rates and may change over time. Lucra always shows you the live rate before you deposit.