{"_id":"token-22004","name":"Spark Savings","ticker":"SPARK","pillar":"Fixed Income","type":"DeFi Lending","category":"DeFi Lending","description":"Savings vaults from Spark (Sky ecosystem): deposit USDC, USDS or USDT and earn the Sky-linked savings rate. Over $1B across chains — one of the largest DeFi savings products.","apy":"~3.6% (variable)","risk":"Medium","minInvestment":"None","issuer":"Spark (Sky ecosystem)","yieldSource":"Sky savings rate / lending markets","maturity":null,"term":null,"liquidity":"Withdraw any time","aum":"~$1B+ across chains","network":"Ethereum / Arbitrum / Base","country":"Decentralized protocol","custody":"Self-custody","euAccess":"Available in EU (permissionless DeFi)","howToBuy":"Deposit stablecoins at spark.fi","rating":null,"kyc":"None","networkFee":null,"networkFeeUsd":null,"investUrl":"https://spark.fi","source":"https://spark.fi","lastVerified":"2026-07-23","featured":false,"apyPct":3.6,"apyPctLow":3.6,"apyPctHigh":3.6,"apyKind":"variable","minInvestmentUsd":0,"custodyType":"self","access":{"kycMint":"none","kycSecondary":"none","kycRedeem":"unknown","accreditedOnly":false,"whitelistRequired":false},"verified":"curated","isin":null,"underlyingSymbol":null,"underlyingIsin":null,"lifecycle":"live","maturityDate":null,"contract":null,"euAvailable":true,"_links":{"page":"https://tokenbank.world/token/SPARK","all":"https://tokenbank.world/api/tokens"},"_disclaimer":"Sourced figures; yields are variable and not guaranteed. Not investment advice. Verify the source before relying on any figure."}