Linus uses the blockchain world to get their customers a high-yield on their cash deposits. It is often described as a savings account because of the way the funds are accessed, but it is more like an investment account.
Linus is offering new customers a $20 welcome bonus when they use a referral link. Additionally, current members can refer their friends while giving $20, and getting $20. Continue reading to learn more and how to save.
Linus Features
Linus is a financial company that offers a cryptocurrency-based, high-yield deposit account, with up to a 4.5% APY. Most big banks can’t even reach this rate, so it is a pretty great option. Click here for the best savings accounts and rates.
If big banks can’t do it, then how does Linus get great rates? Most would think that your Linus account is like a savings account, but it is not. It is more like a crypto investment account. The company converts your USD into USD Coin (USDC), a stablecoin that’s tied to the dollar (1 USDC = $1).
Once converted, your funds become available to digital capital markets. Others can borrow your USDC, paying you interest. In order to avoid loan defaults, Linus requires borrowers to put up collateral that’s worth more than the loan.
Other Linus features include:
- No minimum balance required and transfers are free.
- Accrue interest every second. You don’t need to wait a specified term to get your interest.
- Easy debit card deposits and ACH withdrawals, with no limits to the number of transfers you can do per month.
- Customer support 7 days a week via chat or phone call.
Current Linus Promotions
$20 Welcome Bonus

Get a $20 Welcome bonus!
Linus is offering new users a $20 welcome bonus when they use a referral link to sign up. This offer won’t be valid for long so get it while you can.
We currently do not have a referral link, so please feel free to leave your referral link in the comments section.
- Promotion: $20 Welcome Bonus
- Expiration: Limited time offer
- Availability: Online
- How to get it: Use a referral link to open an account, verify your identity, and deposit at least $100 to get your welcome bonus
- Terms & Conditions: Must be a new customer and use a referral link
(Click here to learn more at Linus)
Give $20, Get $20 Referrals

Give $20, Get $20 Referrals!
If you like Linus, you can refer your friends and Give $20, Get $20 Referrals when you share your referral link.
We currently do not have a referral link, so please feel free to leave your referral link in the comments section.
- Promotion: Give $20, Get $20 Referrals
- Expiration: June 30, 2021
- Availability: Linus
- How to get it: Share your referral link with your friends and when they sign up and make a deposit totaling more than $100, you will both earn your bonus.
- Terms & Conditions: From April 1, 2021 at 00:00:00 UTC to June 30, 2021 at 23:59:59 UTC all Linus accounts are eligible to receive a $20 bonus for every friend they refer that makes a deposit totalling $100 or more. When your friend creates a new account and meets the $100 deposit requirement, you’ll both receive the $20 bonus. The friend must create their account using your unique referral link for each person to receive the bonus. Linus Financial, Inc. reserves the right to cease this promotion at any time prior to March 31, 2021 at 23:59:59. For all questions regarding bonus payouts, please message hello@getlinus.io.
(Click here to learn more at Linus)
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Bottom Line
Linus offers a high yield on your cash deposits, but it’s not FDIC insured. You can decide whether or not Linus is the right fit for you.
For more promotions like this, check out our best bank rates and crypto investment accounts.