Yield Lottery · Review
ActivePoolTogether V3 Review 2026: No-Loss Prize Savings Explained
PoolTogether V3 is a no-loss prize savings protocol: deposits earn yield, the yield funds prizes, and depositors can withdraw any time. It is a transparent way to try prize savings, but results depend on luck and on smart-contract safety.
By the DappsAtlas editorial team · Updated
DappsAtlas score
7.0/10
Good
Our verdict on PoolTogether V3
7.0/10PoolTogether V3 suits crypto users who want a transparent prize-savings product and accept some smart-contract risk in exchange for a chance at prizes. Its main strength is the no-loss design: prizes come from yield, no protocol fees are claimed, and withdrawals are open any time. The main caveat is that outcomes are random and not guaranteed, and the project does not separate V3 from the current protocol, so check the docs for the exact version you use.
Score breakdown
How PoolTogether V3 scores
- Security
- 7.0/10
- Ease of use
- 7.5/10
- Fees
- 8.0/10
- Features
- 6.5/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is PoolTogether V3?
PoolTogether V3 is a decentralized protocol for no-loss prize games. Users deposit funds, the yield from those deposits is pooled into prizes, and depositors can withdraw at any time. DefiLlama lists it under Yield Lottery on Ethereum, Polygon, Celo and BNB Chain.
DefiLlama shows roughly $4.77 million in total value locked, up 0.4% over seven days, with two audits listed. The protocol has a token, POOL, and a Twitter presence under the name PoolTogether_.
The homepage describes PoolTogether as a permissionless protocol for saving and winning, with more than 100,000 people using it. That text covers the protocol as a whole, and the project does not say which parts apply specifically to V3.
How PoolTogether V3 works
PoolTogether pools user deposits and sends them to a yield source. Instead of paying that yield to each depositor, the protocol uses it to fund prizes. Each depositor gets a chance to win, and the deposit itself is not spent on the prize.
Because the prizes come from yield, the model is called no-loss. Your principal is not staked on an outcome. The trade-off is that you give up a guaranteed share of the yield in exchange for a chance at a larger prize.
Everything is run by smart contracts on public blockchains, so rules and balances can be checked on-chain. DefiLlama files the project under Yield Lottery and describes it as an open source and decentralized protocol for no-loss prize games.
6 features
Key features
01
Yield-funded prizes
Deposits generate yield, and that yield is pooled to fund prizes rather than being paid out evenly.
02
No-loss, withdraw anytime
The homepage says there are no fees and that users can withdraw any time, so deposits are not locked.
03
Multi-chain deployment
DefiLlama lists Ethereum, Polygon, Celo and BNB Chain for this version.
04
Open, permissionless design
The protocol is open source and runs on rules that cannot be changed by a central operator, according to the homepage.
05
Developer tooling
The homepage links to developer documentation and an option to add your own vault, aimed at wallets, yield sources and blockchains.
06
Multilingual site
The site offers a number of languages, including Spanish, German, French, Hindi, Korean, Portuguese, Turkish, Chinese, Russian and Filipino.
Pros and cons
What we like
- No-loss model: prizes are funded by yield, not by depositors' principal.
- The homepage says there are no fees and that withdrawals are available any time.
- Open source and permissionless, with rules enforced by smart contracts.
- Two audits are listed on DefiLlama, and the site has a dedicated security page.
- Available on four chains, with roughly $4.77 million in TVL.
Watch out for
- Its homepage describes the current PoolTogether protocol and does not say what is specific to V3, so version-level details are unclear.
- Prizes are random, so most depositors will not win in any given period, and returns are not guaranteed.
- Smart-contract risk applies, and two listed audits do not remove it.
- Yield comes from external sources, which adds dependency risk beyond the PoolTogether contracts.
- Network gas fees on Ethereum can be significant for small deposits, though the protocol itself charges no fee.
PoolTogether V3 fees
The homepage states there are no fees and that users can withdraw any time. That refers to the protocol; the project does not publish a detailed fee schedule.
You will still pay network gas fees to deposit and withdraw, and these vary by chain. Ethereum is usually the costliest of the four listed chains. Check the app and the user docs for current figures before depositing.
Is PoolTogether V3 safe?
DefiLlama lists two audits, and the homepage mentions independent security audits and links to a security page. The project does not name the auditors or the dates, so readers should check the audit reports directly. Deposits sit in smart contracts and depend on external yield sources, so contract bugs or a failure in the source could affect funds.
The protocol is non-custodial in the sense that you interact from your own wallet. The site links a protocol disclaimer and terms of service, which are worth reading before depositing. No hacks or incidents appear, but absence from public sources are not proof of safety.
Prize games can be regulated differently across countries, so check that participation is legal where you live. You must be 18 or older, and you should only deposit money you can afford to have at risk.
6 steps
How to get started with PoolTogether V3
- 1
Read the user docs and the FAQ on the official site to understand how prize savings work.
- 2
Check the protocol disclaimer and terms of service, and confirm that prize games are allowed where you live and that you are 18 or older.
- 3
Pick a supported chain such as Ethereum, Polygon, Celo or BNB Chain, bearing in mind gas costs.
- 4
Connect a self-custody wallet funded with the supported deposit token and a little of the chain's native token for gas.
- 5
Deposit an amount you can afford to leave in a smart contract and note how prizes are drawn.
- 6
Check back for prizes and withdraw whenever you want, since the homepage says withdrawals are available any time.
Who PoolTogether V3 is for
This is for crypto-literate savers who are comfortable with a self-custody wallet, understand gas fees, and want a lottery-style product that does not put principal on the line. It is a poor fit for anyone who needs guaranteed returns or who is not allowed to take part in prize games in their country.
PoolTogether V3 FAQs
What is PoolTogether V3?
It is a decentralized, open source protocol for no-loss prize games. Users deposit funds, the yield generated is pooled into prizes, and depositors can withdraw their deposit at any time.
Can you lose money on PoolTogether?
Public sources describe it as no-loss: the prizes come from yield, not from deposits, and the homepage says there are no fees and you can withdraw any time. Your funds are still exposed to smart-contract and yield-source risk, and gas fees apply when you transact.
Which blockchains does PoolTogether V3 run on?
DefiLlama lists Ethereum, Polygon, Celo and BNB Chain for PoolTogether V3. It shows about $4.77 million in total value locked at the time of the data.
Does PoolTogether have a token?
POOL is the token DefiLlama lists for the protocol. The project does not describe its exact uses, so check the official documentation before buying or relying on it.
Is PoolTogether gambling?
Depositing is not a conventional bet because principal is not staked on an outcome, but the prizes are random. Rules differ by country, so check what is legal where you live. Participants should be 18 or older, and anyone who feels prize games are becoming a problem should stop and seek support.
Is PoolTogether audited?
The homepage says it is permissionless and that it has independent security audits, and DefiLlama lists two audits. The project does not give audit firms or dates, so read the security page and audit reports yourself.
Compare
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Ample is a prize-linked savings protocol where users deposit assets like USDC, keep principal with no lockups, and pooled yield funds weekly prizes.
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Tramplin is a non-custodial Solana staking platform that pays pooled staking revenue to randomly selected users, with on-chain proof of the draws.
PoolTogether is a decentralized no-loss prize savings protocol on Ethereum, Base and Optimism where deposit yield funds prizes for depositors.
Tardly is a no-loss lottery on Algorand where staked ALGO yield funds the prize and depositors can withdraw at any time.
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How we checked
Sources
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