Fast
zkEVM fast network finality with frequent validity proofs ensuring near instant transactions suitable for payments.
Fast, secure & cost-efficient PayFi network.
DeFi-ready with native yield generation built-in.
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Ternoa 2.0 is a TEE-enhanced zkEVM
Secure
Protected by CIFER Security, the zero-key encryption infrastructure. TEE-based encryption without key management overhead.
Cost-efficient
Posting data on Avail modular DA, resulting in up to 90% gas fees savings when compared to posting directly on ETH.
Why Ternoa for PayFi?
The infrastructure built for the next generation of finance.
TIP: Real-Time Integrity
The gold standard for Web3 security. Runtime verified every 60s with fingerprints matched inside a TEE. Proofs logged on-chain via zk-proofs. No silent tampering, just pure, verified trust.
Learn MorePerformance & Privacy
High-performance execution with built-in privacy. Our L2 architecture ensures your financial data remains confidential while delivering the speed required for modern payment flows.
Encrypted State
The only chain where smart contracts can hold secrets. Data is encrypted at rest and in transit, decrypted only inside secure TEE enclaves for computation.
BUILT ON TERNOA
Activ Finance
Your Money. Growing.
Real-world applications powered by Ternoa's infrastructure. Activ Finance is the first DeFi application leveraging Ternoa's secure, cost-efficient zkEVM to deliver yield optimization with institutional-grade security.
Simple Savings. Real Yield.
Sign up in 30 seconds. Start earning yield immediately. Rewards distributed every Friday.
Your principal stays in Morpho. We only leverage the yield.
When you activate your funds, they're deposited into Morpho Protocol. Activ Finance works only on your yield, making it one of the most secure and efficient solutions on the market.
Security First
Your funds are protected by battle-tested DeFi protocols with extensive security audits and transparent on-chain operations.
Morpho Protocol Audits
30+ security audits from top firms including Spearbit and Trail of Bits
AggLayer Bridge
Cross-chain bridging powered by Polygon's unified bridge infrastructure
Anytime Withdraw
Your funds are never locked. Withdraw anytime with no penalties
Under the Hood
Transparency about where your money goes and how it works.
Where Funds Go
Your deposits are held in Morpho vaults on Ethereum — a battle-tested DeFi protocol with $2B+ TVL
Cross-Chain Bridging
Assets are bridged to Ternoa L2 via AggLayer while your principal stays on Ethereum
Reward Distribution
Yield accrues daily and is distributed every Friday as ACTIV tokens
Your Money Is Always Yours
Withdraw anytime, no lock-ups, no penalties. Your balance is always accessible.
Earn While You Sleep
Interest accrues 24/7. Watch your balance grow every single day.
Start Small
Begin with as little as $1. No large minimums, no barriers to entry.
How It Works
01
Sign Up
Create your account with just your email. No wallet or crypto knowledge needed.
02
Deposit Funds
Add money to start earning. Start with as little as $1.
03
Watch It Grow
Earn interest daily on your balance. Withdraw anytime you want, no lock-ups.
Ready to Start Earning?
Sign up with your email and start earning in under a minute. Deposit as little as $1 to begin.
Launch Activ FinancePowered by TERNOA
Fast, secure & cost-efficient zkEVM infrastructure for the next generation of DeFi applications
They trust us
Backers & Partners
Jsquare
DFG
SevenX
Avail
Crust
Waterdrip
Arkstream Capital
Mr Beast
SubQuery
Phala Network
Jsquare
DFG
SevenX
Avail
Crust
Waterdrip
Arkstream Capital
Mr Beast
SubQuery
Phala Network
Where to Buy CAPS
Exchanges
Gate.io
PancakeSwap
Meria
Uniswap
Dextools
AscendEX
Gate.io
PancakeSwap
Meria
Uniswap
Dextools
AscendEX