BitSave

BitSave is a non-custodial on-chain savings protocol deployed on Base, Celo, Lisk, BNB Chain and Avalanche, using a parent-child contract structure in which each user gets a separate child contract. It addresses the fact that stablecoin savings either go to a centralized institution or into a shared pool with joint risk. Deposits sit in the user's own child contract under a time lock, are never lent out, and early withdrawal is charged a penalty set in advance. Registration and each deposit cost 1 dollar.

In narrative terms it is a fixed-term savings tool carried by per-user contracts, differing from yield aggregators in where funds go: money never leaves the user's contract, so there is no lending counterparty. Public data shows locked value per chain of about 512,000 dollars on Base, 308,000 on Celo, 500,000 on Lisk, 416,000 on BNB Chain and 210,000 on Avalanche. On 8 April 2026 the project formed a partnership with Toronet. Funds cannot be moved before the time lock expires, and the penalty rate is fixed when the account is opened.