Grow. Borrow. Earn.

Drag a ring to explore

Grow

Your money, working harder

Deposit into the Puzzle Vault. Earn 10% APY. Withdraw anytime.

The Puzzle Vault

Your deposits fund small business loans and crypto strategies. Diversified yield, institutional security, complete transparency.

Withdraw anytime
No minimum deposit
Daily compounding
+ Puzzle Points
Current APY
10%
Paid daily in USDC
🔒 $10M+ Total Value Locked
🔒

zkSecurity

Audited by leading ZK security researchers

💎

Bain & 6MV

Backed by top-tier crypto VCs

Aleo & Aztec

Built by leading ZK protocol contributors

🛡️

Non-Custodial

Your keys, your coins, always

Borrow

Fuel your business, not your debt

11% APR loans. Instant approval. No hidden fees. Better than Shopify Capital.

Why businesses choose Puzzle

Puzzle Capital
Shopify Capital
Interest Rate
11% APR Best
14%+ APR
Approval Time
Minutes Fast
Days
Prepayment Penalty
None Free
Often yes
Platform Lock-in
None
Shopify only
Support
Direct, human
Ticket queue

Instant Approval

Apply in minutes, get approved the same day. No lengthy paperwork or waiting periods.

💸

Flexible Repayment

Pay back on your terms. No prepayment penalties. Crypto-native flexibility.

🤝

Human Support

Real people who understand your business. Direct communication, fast resolution.

Earn

Stack streams, build wealth

Multiple income sources. One dashboard. Start hustling.

Gold
Platinum
17,510 pts away
💎
$1,245
2,890 pts
650 shop
$14,230
USD Earnings
32,490
Puzzle Points
≈ $3,249.00
8,750
Shop Points
≈ $875.00
Activity
Live
🎁
Gift card redeemed
Just now
+$45
👥
@sarah_j joined
2m ago
+$25
🎬
15k TikTok views
5m ago
+$127
📈
Vault interest
1h ago
+$34
📈
Vault
$12,450
+$34.12 today
Tap to learn
How Vault Works
Deposit USDC into the Puzzle Vault. Earn 10% APY paid daily. Your funds power small business loans while you earn passive income.
Start Earning →
🎁
Gift Cards
$3,200
47 cards processed
Tap to learn
How Gift Cards Work
Upload gift cards you buy at a discount. Earn margins when users redeem them. Become a Puzzle network operator.
Become Operator →
👥
Referrals
$2,100
84 active referrals
Tap to learn
How Referrals Work
Share your unique link. Earn $25 USDC for each friend who signs up and deposits. Plus recurring rewards on their activity.
Get Your Link →
🎬
Content
$2,097
1.2M total views
Tap to learn
How Content Works
Create TikToks, YouTube videos, or tweets about Puzzle. Get paid per view plus bonuses for viral content.
Start Creating →
The Ecosystem

It all connects

Depositors fund loans. Businesses hire hustlers. Hustlers deposit earnings. A closed-loop ownership economy.

Grow
Borrow
Earn
1 Depositors fund the vault
2 Vault lends to businesses
3 Businesses use Puzzle services
4 Hustlers earn from services
5 Hustlers deposit back

Join the ownership economy

250,000+ people already growing, borrowing, and earning with Puzzle Capital.