1
Deposit
Move USDC in from any Solana wallet. It becomes your locked principal and is supplied to a single Kamino Lend reserve.
Spend the Growth,Keep the Roots
The Solana neobank where your yield pays the bills, not you. Deposit USDC, earn lending interest from a single money market, and spend only what it earns. Your principal stays locked.
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Interest out. Principal stays in.
How it works
Deposit once. Let your savings pay you.
2
Earn
You see two numbers and nothing else: principal, and interest you can spend. The second one climbs as borrowers pay interest.
3
Spend
Spending draws from earned interest only. Ask for more than you have earned and the whole transaction is refused. Principal is never used to cover the gap.
4
Withdraw
Take your principal back to your wallet whenever you like. Only you can start a withdrawal. A spend can never trigger one.
The only rule
Your principal is off limits.
Two ledgers, never mixed
Principal and spendable interest are kept as separate on-chain values. Spendable is interest earned minus interest already spent. Nothing else can add to it.
Fails closed
If the lending reserve's data is stale, missing or unreadable, spendable is zero and the spend is refused. An outage can never unlock your principal.
One lending market
All yield is ordinary lending interest from one Kamino Lend reserve. No strategies, no loops, no leverage. Your deposit and its interest never touch the $TNDRL token.
All or nothing
A spend larger than your earned interest is rejected in full. There is no partial fill and no fallback that takes the rest from your deposit.
Your exit, your call
Principal only leaves when you sign a withdrawal, in full or in part, straight back to the wallet that deposited it.
Devnet before dollars
Every path (deposit, accrue, spend, withdraw) is proven end to end on devnet first, then on mainnet with small amounts and low caps, before it grows.
The Tendril card
Order your card home today.
A Visa card that spends only the interest your savings earn. Order it in the app with your name and delivery address, and it comes straight to your door. If a purchase is larger than your earned interest, it’s declined, never paid from principal.
Up to 5
Business days in Europe
5–15
Business days, rest of the world
The Tendril Visa card programme is provided by Rain (Signify Holdings, Inc.). Cards are issued by Rain’s licensed issuing partners in their respective jurisdictions pursuant to a licence from Visa. Tendril is not a bank and does not issue cards itself.
Privacy
Your data stays yours.
Only what we need
We store your wallet address and, if you order a card, the name and address to deliver it. No ID scans on our side, no analytics, no ad trackers.
Never sold, never traded
We don’t sell, rent or trade your data, and we never share it with advertisers, data brokers or partners for marketing. Not now, not ever.
Disclosed only when the law compels it
We hand data to an authority only under a binding legal obligation, such as a court order, and only what that order strictly requires. Where the law allows, we tell you.
The full details are in our Privacy Policy.
Yield lives on Solana.
Tendril is an on-chain Solana program. Your USDC is supplied to one Kamino Lend reserve, and your share of it is tracked per wallet in the program itself. There is no validator staking, no restaking and no leverage. The yield is simply what borrowers pay to borrow.
USDC
Stablecoin deposits
Kamino
Single lending reserve
~400ms
Slot time
Anchor
Open-source program
Your yield pays the bills.
Not you.
Your principal stays locked and keeps earning. Interest is the only thing that moves, and every path has been proven on-chain: first on devnet, then on mainnet with real funds.
Open app