Aave Labs has begun onboarding early users to the Aave App on iOS, moving its retail savings product into phased early access while Android and web users remain on a waitlist. Founder Stani Kulechov said Ghost Passes allow users to invite friends and bypass the queue. The app supports bank-account and debit-card connections, stablecoin deposits and withdrawals on Arbitrum, and yield generation through lending pools. It is self-custodial, using locally stored private keys and smart accounts to simplify wallet setup and gas management. Stable Vaults provide the savings infrastructure and one-to-one swaps among commonly denominated stablecoins, but the current product page does not advertise direct borrowing or user-directed trading. Aave Labs previously said card fees, asset swaps and foreign-exchange products were expected to phase in during 2026. Access remains subject to local laws, identity checks and jurisdictional restrictions. The app builds on Aave Labs’ October 2025 acquisition of Stable Finance, whose technology now powers the savings layer and is also offered to fintechs seeking to embed stablecoin yield.