He aha te mea e kapinga ana, me te mea kāore
Ngā tikanga kapinga i roto i te reo māmā: ngā kaupapa kua kapinga, ngā whakawāteatanga, ngā rohe, me ngā tūpono ka noho tonu ki a koe.
Te kapinga mā OpenCover · Kāore i te inihua FDIC · Ngā tikanga mai i Hepetema 2026
Te putanga poto
- Funds deployed through Coinstancy Pro are covered by OpenCover on Sensitive Protocols defined by Coinstancy, subject to the policy terms, limits and exclusions.
- E whā ngā kaupapa kawa e whakaoho ana i te kapinga: ngā pōhēhē waehere, te rahua o te oracle, te rahua whakakore, te tangohanga kāwanatanga kino.
- This is not deposit insurance. No FDIC (Federal Deposit Insurance Corporation) or equivalent applies. A stablecoin depeg or a rate below the grid is not an insured event.
- Ka aromatawaihia te kerēme ki te kaupapa here, kāore e aunoa. Ka hoatu te tuhinga here i mua i te putunga tuatahi.
Te kaupapa here OpenCover: te whānuitanga tika.
Funds deployed through Coinstancy Pro are covered by OpenCover on Sensitive Protocols defined by Coinstancy, subject to the policy terms, limits and exclusions. The coverage applies to a defined set of protocol events. It is not a guarantee on the balance.
This is not deposit insurance
FDIC insurance protects deposits held at an insured bank, up to a statutory amount, against the failure of that bank. No part of this product is a bank deposit and no FDIC or equivalent deposit insurance applies to it. What exists instead is a policy that responds to specific protocol failures. The two are different instruments and should not be compared line for line in a treasury policy.
Ngā kaupapa kua hipokina: ngā hapa o te waehere, ngā oracles, te whakakorenga, te kāwanatanga.
Ka whakautu te inihua ki ngā hapa me ngā hē o te waehere kirimana mārire, me ētahi kaupapa ōhanga i waho atu i te whakahaere tikanga o te kawa. E whā ngā kaupapa kei roto i te whānuitanga. Ko ērā atu katoa kāore.
Kua Kapi
mā OpenCoverKāore i Kapi
Ngā pūkoro me ngā hē o te waehere kirimana atamai
A defect in the deployed contract code of a protocol the funds are allocated to (a logic error, a flawed upgrade, an exploitable function) that results in a loss of the deposited assets.
Te raweke Oracle, te kore rānei o te Oracle
Ka whakatau tata te kawa i te taunaha me nga tuunga mai i te whangai utu o waho. Ka whakaaro te inenga ki te keehi ka rawekehia, ka rahua ranei taua whangai, a ka mahi te kawa i runga i te utu kaore e whakaata i te maakete.
Rahinga o te whakakāhore
Ka whakawhirinaki nga kawa tuku moni ki nga whakakorenga kia noho wairewa nga tuunga. Ka whakaaro te inenga ki te keehi kaore te tikanga whakakore e mahi i runga i te hoahoa, ka waiho te kawa ki te nama kino.
Te tangohanga kawanatanga kino
Ka taea te hopu i tētahi kawa e whakahaeretia ana e ngā kaipupuri tohu. Ka whakaaro te inihua ki tētahi rōpū riri e whiwhi ana i te mana whakahaere me te whakamana i tētahi tono e tango ana i ngā pūtea o ngā kaiwhakamahi.
Ko ēnei whakamārama e whakarāpopoto ana i te hīkoi o ia kaupapa kua inihuatia. Ko te tikanga o te kaupapa, kaua ko tēnei whārangi, e whakatau ana mēnā ka taka tētahi take ki roto i te inihua.
Ngā whakawāteatanga mārama.
Ko ngā whakawāteatanga he mea nui ake i ngā kaupapa e kapi ana ina whakatau ana tētahi rōpū pūtea i te whakaraerae. Anei ērā, me te take e noho waho ana ia i te kaupapa here.
Kua whakawāteahia · he aha i waho ai i te kaupapa here
Mēnā ka hokona a USDC i raro i te kotahi tāra, ko te ngaronga o te uara USD nāu. Ka kapi te kaupapa here i ngā kaupapa kawa, kaua ko te uara o te rawa o raro.
Kāore ngā reiti e whakapumautia. Ko tētahi taumata e utu iti iho ana i te papa kua whakaputaina mō te wā, he hua arumoni, ehara i te kaupapa inihua.
Ko ngā kaupapa kawa e whā kua rārangitia anake e whakaoho i te whakamarutanga. Ko tētahi mate nā tētahi atu take, kei waho i te whakamarutanga, ahakoa te rahi.
Kei roto i te tuhinga kaupapa here ōna ake whakakāhorenga, tikanga me ngā whakamāramatanga. Ko ērā kupu te mana whakahaere; ko tēnei whārangi he whakarāpopoto, kāore e taea te whakawhānui atu.
This is not a bank deposit. No FDIC, NCUA (National Credit Union Administration) or equivalent deposit insurance applies to any part of the balance.
He whakarāpopototanga tēnei rārangi o ngā kāwai e puta pinepine ana i te arotake. Kāore e whakakapi i te wāhanga whakakore o te tuhinga kaupapa here, e whakaratohia ana katoa i mua i te penapena tuatahi.
Ngā rōpū me ngā potae kaupapa here.
Ka pa te kapinga ki nga putea i runga i nga Kawa Tairongo kua tautuhia e Coinstancy. Ko te moni ka taea te whakahoki mai i tetahi kaupapa ka whakatauhia e te kaupapa here, ehara i te toenga.
Coverage applies to funds allocated to Sensitive Protocols defined by Coinstancy and affected by a covered event. The recoverable amount is set by the policy, measured in USD, and applies to the funds in scope at the time of the event, not to interest that had been projected, and not to any balance held outside the product.
Per-event caps, aggregate limits, waiting periods, deductibles and claim conditions live in the policy documentation. We do not restate those figures here, because a number on a marketing page is not the number a claim is settled against. You get the document before you fund.
A covered event does not by itself produce a payment. The claim is assessed against the policy terms and can be reduced or declined. Treat the coverage as a mitigation of a defined risk, not as a substitute for the capital being at risk.
If your review requires the exact limits before a first conversation, request the policy documentation and we will send it ahead of onboarding.
The risks that remain yours.
Ka whāiti te inenga i te whakakitenga. Kāore e tango atu. Ko ēnei ngā tūraru e mau tonu ana i te rōpū pūtea i muri i te whakaaro ki te kaupapa here.
Tūraru moni pūmau
Ko te wehenga o USDC, he raruraru rānei i tōna kaiwhakaputa, ka pā ki te uara USD o te toenga, ā, kei waho i te inenga.
Tūraru reiti
The APY (annual percentage yield) is fixed and may be adjusted as market conditions evolve. The published grid is a rate as of a date: an adjustment applies going forward, and a locked tier holds its rate for its term.
Te wā o te moni whakaputa
Ka wātea ngā tangohanga i roto i ngā hāora 48, kāore i te rā anō. Mēnā ko tō kaupapa here pūtea e hiahia ana kia uru atu ki te toenga katoa i roto i te rā, kāore tēnei hua e tutuki i a ia.
Te utu o te putanga wawe
Ko te wehenga atu i tētahi taumata maukati i mua i te mutunga o te wā ka whakahokia mai tō moni whakapaipai, ā, ka ngaro ngā huamoni kua puta. Kāore he whiunga ki te moni matua, engari ka ngaro te hua i whiwhi ai ki taua wā.
Te putanga kerēme
Ko te kapinga he kaupapa here, ehara i te whakapūmautanga o te utu. Ka aromatawaihia tētahi kerēme ki ngā tikanga o te kaupapa here, ngā rohe me ngā whakakorenga, ā, ka taea te whakaiti, te whakakore rānei i runga i aua tikanga.
Te mōrearea whakahaere me te taha kē
Coinstancy manages allocation, monitoring and the withdrawal process. An operational failure on our side, or the discontinuation of the service, is a risk the policy does not address. The FAQ sets out what that dependency means in practice.
The conditions those risks attach to
How we select and review protocols.
Ko te whakapikinga te rārangi tuarua o te parenga. Ko te tuatahi, ko te kore e toha ki tētahi kawa kāore anō i arotakea e mātou. Ka tohatohahia ngā pūtea ki runga i a Curve, Pendle, Balancer, Beefy, Aave me StakeDAO.
Ngā paearu arotake, takirua
A protocol enters the allocation only after its contracts, its oracle design, its governance and its liquidity profile have been reviewed, and only for the pools we have reviewed, not the protocol as a whole.
Ka aroturukihia ngā tūranga me ngā tikanga kawa i ia wā. Ko ngā panonitanga ki ngā kirimana, ki te kāwanatanga, ki te whirihoranga oracle rānei, ka whakaarohia hei kaupapa hei arotake anō, kaua hei haruru papamuri.
Ka taea te tango i tētahi kawa mai i te tohatoha. Ko ngā paearu me ngā tikanga e puta ai mātou, kua whakatakotoria katoatia ki te whārangi whiriwhiri kawa.
Ngā kawa kua tohua
Ngā paearu whiriwhiri e ono
Curve 
Pendle 
Balancer 
Aave Selection is per pool, not per brand. Being on this list does not mean every pool on that protocol is used, and a protocol can be removed from the allocation before this page is updated. The current allocation is the one shown in your dashboard.
Ngā aromātai me ngā pūrongo e wātea ana.
He aha ngā mea ka taea e tētahi rōpū arotake te whiwhi, nō hea ērā, me te aha e kore e whakaputaina e mātou i runga i te whārangi hokohoko.
Ngā aromātai kawa
Kua whakaputaina e ia kawa ki runga i ana ake putunga tūmatanui me ngā tuhinga. Ko ngā pūrongo e tohutoro ana mātou kei te whārangi whiriwhiri kawa.
Tuhinga kaupapa here
Ko ngā tikanga, ngā rohe, ngā herenga me ngā whakakorenga o OpenCover e whakaratohia ana i te wā whakaurunga, i mua i te putunga tuatahi. Koia te tuhinga here.
KYB (Know Your Business) and contracting entity
Ko ngā whakaritenga mō ia momo hinonga, ngā wātaka, ngā rohe whaimana me te hinonga kirimana kei te whārangi tautukunga.
Ngā mea kāore mātou e whakaputa i konei
Kāore mātou e whakaputa i ngā hītori kerēme, ngā taupā kerēme, ngā whakarāpopototanga arotake rānei o ā mātou ake i tēnei whārangi. Ki te kore tētahi tatauranga e whai puna, kāore e kīia.
Kei hea te wāhi e whai ake nei
This page covers the policy and the risk. Three pages carry the rest of what a finance review usually asks for: the mechanism from deposit to withdrawal, the protocol criteria and the public audits behind them, and the onboarding requirements with the contracting entity and fund segregation.
Ngā puna me ngā pānuitanga atu anō
Ka whakawhirinaki ngā tatauranga me ngā kerēme o tēnei whārangi ki ngā tuhinga kei raro nei. Ka neke ngā tatauranga pā ki te wā (reiti, hua, utu, raraunga mākete): tirohia te uara ora i te puna i mua i te mahi.
- OpenCoveropencover.com
The coverage provider named on this page. The binding scope, limits and exclusions are in the policy documents provided at onboarding.
- Curve documentationdocs.curve.finance
Official documentation for Curve, one of the six protocols funds are deployed across.
- Pendle documentationdocs.pendle.finance
Official documentation for Pendle, one of the six selected protocols.
- Balancer documentationdocs.balancer.fi
Official documentation for Balancer, one of the six selected protocols.
- Beefy documentationdocs.beefy.finance
Official documentation for Beefy, one of the six selected protocols.
- Tuhinga Aavedocs.aave.com
Official documentation for Aave, including how lending, oracles and liquidations work.
- StakeDAO documentationdocs.stakedao.org
Official documentation for StakeDAO, one of the six selected protocols.
- FDIC, inihua pūteafdic.gov
Ngā mea e hipokina ana e te inihua pūtea FDIC i ngā pēke kua inihua. Ehara tēnei hua i te pūtea pēke, ā, kāore i te inihua e FDIC.
I arotakea whakamutunga: Mahuru 2026. Ka whakatuwheratia ngā hononga o waho ki tētahi tihopa hou; kāore a Coinstancy e whai kawenga mō ō rātou ihirangi.
Tonoa te urunga, ka pātai rānei i ngā pātai uaua i te tuatahi.
Whakatuwheratia he pūkete tika. Mēnā e hiahia ana tō rōpū pūtea ki ngā kupu whakamarumaru me ngā whakaritenga KYB i mua i tērā, ka taea e tō mātou rōpū te whakautu mā te whārangi whakapā.