Mōhiohia te mea e whiwhi ana tō pūkete penapena pakihi
He whakataurite rārangi-ki-te-rārangi o ngā pūkete penapena pakihi ki tētahi hua penapena stablecoin kua kapingia, tae atu ki ngā mea ka whakarērea e koe.
Kāore i te inihua FDIC · Tangohanga i roto i ngā hāora 48 · E hiahiatia ana te KYB · Reiti mai i te Mahuru 2026
Te putanga poto
- He putea penapena pakihi e whakatairanga ana i te reiti kotahi. Ko ngā taumata, ngā matapihi whakatairanga, ngā tikanga hononga me ngā utu e whakatau ana i tāu e whiwhi ai.
- Coinstancy Pro pays 6.00% annual percentage yield (APY) with no lock-up, up to 6.75% at twelve months, and 7.00% introductory for the first six months.
- Ka wātea ngā tangohanga i roto i te 48 hāora, kāore i te rā anō. He hua rāhui tēnei, ehara i te pūkete whakahaere.
- Kāore i te inihua FDIC: ka kapi te Federal Deposit Insurance Corporation i ngā pūtea pēke, kāore i tēnei hua. Ka kapi ngā pūtea e OpenCover i runga i ngā Sensitive Protocols kua tautuhia e Coinstancy, i raro i ngā tikanga kaupapa here, ngā here me ngā whakakorenga.
- USD or USDC only, and Know Your Business (KYB) verification is required once before the first deposit.
He aha te utu mō te pūtea penapena pakihi i te tau 2026.
Ko te reiti matua i te whārangi pēke me te reiti ka tae ki tō pūrongo, he uaua kia rite te tau. E whā ngā mea kei waenganui i a rāua.
Ngā toenga taumata
Ko te reiti whakatairanga e pā ana ki runga ake i te paepae, ki te wāhanga rānei o te toenga kei roto i te rōpū. Ko te reiti e whiwhi ana koe, he ranunga, ā, he iti iho i te tau kei te whārangi.
Ngā matapihi whakatairanga
Ka rere ngā reiti whakataki mō ētahi marama kua whakaritea, kātahi ka hoki anō. Ki te kore tētahi o te rōpū pūtea e tuhi i te rā hokinga, ka neke pūkuru te toenga ki te reiti noa.
Ngā here hononga
Ko ētahi reiti e hiahia ana ki te toenga toharite iti rawa, ki tētahi pūkete whakahaere hono, ki te tatau whakawhiti ā-marama rānei. Ki te kore e tutuki te here, ka heke te reiti mō taua wā.
Ngā utu me ngā rohe whakawhiti
Ko ngā utu tiaki marama, ngā utu whakawhiti taunaha, me ngā utu waea ka tangohia i te tihi. I runga i te toenga iti, ka pau i a rātou tētahi wāhanga whaihua o te huamoni i whiwhi.
The 4% used on this page is an illustration, not a quoted or sourced rate. Business savings rates differ a great deal between a national bank, an online-only bank and a business money market account, and they move with the rate environment.
Two public reference points give the scale. The FDIC national deposit rate for savings accounts was 0.37% as of September 21, 2026, per the FDIC national rates table. The 3-month Treasury par yield was 4.25% on September 29, 2026, per the US Treasury daily par yield curve. The federal funds target range has been 3.75% to 4.00% since September 17, 2026 (Federal Reserve). The illustration is deliberately set near the Treasury yield, far above the deposit average, so the comparison does not flatter us.
Take the effective rate off your own last statement: that is the only number that matters for your decision. Bank-by-bank rates, with sources, are on the rates page.
Ngā reiti peeke, me ngā puna · Ngā reiti mākete moni, ā-peeke, ā-peeke
Ngā reiti peeke, me ngā puna · Ngā reiti mākete moni, ā-peeke, ā-peeke
The comparison, line by line.
Rate, liquidity, insurance, setup, risk, eligible assets and early exit. Several of these rows favor the bank, and we have written them that way on purpose.
| Criterion | Business savings account | Coinstancy Pro |
|---|---|---|
| Reiti | Varies by bank, balance tier and promotional window. The effective rate on your statement is often below the advertised headline. | 6.00% APY me te kore maukati, tae atu ki te 6.75% i te tekau ma rua marama, 7.00% whakamōhio mō ngā marama e ono tuatahi. |
| Māmāwai | Whakawhiti i taua rā, i te rā i muri rānei ki tō pūkete whakahaere, i runga i te wā tapahia o te pēke me ngā rohe whakawhiti. | Ka taea te tango moni i roto i ngā hāora 48. Ehara i te rā kotahi, ā, kāore e tika ana mō te utu kaimahi, mō ngā kōpaki utu rānei. |
| Insurance | FDIC insurance at an insured bank, up to the standard insurance amount of $250,000 per depositor, per insured bank, per ownership category (FDIC). | Kāore he inihua FDIC. Ka hipokina ngā pūtea e OpenCover i runga i ngā Tikanga Tairongo kua tautuhia e Coinstancy, i raro i ngā ture kaupapa here, ngā here me ngā whakakorenga. |
| Whakatūtanga | I te nuinga o te wā, he torutoru noa ngā pāwhiri mēnā kua whakamahi koe i taua pēke. Ko tētahi pēke hou, he tukanga whakatuwhera pūkete katoa. | KYB i mua i te putunga tuatahi: ngā tuhinga kamupene, te mana whaihua, te tautuhi hainatanga. Kotahi anake, kāore i ia putunga. |
| Mōrearea | Ko te tūpono kaiwhakawhiti pēke, ka whakaitihia e te inihua FDIC tae atu ki te rohe. Ko te tūpono whakakotahitanga kei runga ake i te rohe. | Te tūpono kirimana atamai, te tūpono whakahekenga u o te moni pūmau, me te tūpono ōhanga o te kawa. Ko ētahi ka hipokina, ko ētahi kāore. Ko te hua kāore i te whakaūngia e te kirimana. |
| Ngā rawa e āhei ana | USD, i te taha o te toenga o tō hononga pēke. | Ko te USD, ko te USDC anake. Kāore e whakaaetia ētahi atu rawa. |
| Te putanga wawe | Kāore he mea nui hei kōrero mō tētahi pūkete penapena. Ko te tiwhikete putunga pakihi (CD) ka mau i te whiu tango wawe. | I runga i te taumata maukati: ka whakahokia te moni matua, ka ngaro te hua kua whiwhi. Kāore he whiu i runga i te moni matua. |
Ko ngā reiti Coinstancy Pro mai i te Mahuru 2026. Ka whakaahuatia ngā āhuatanga pēke i roto i ngā kupu whānui, kaua ko te whakahua, nā te mea ka rerekē i ia umanga, i ia taumata toenga, me te matapihi whakatairanga.
He aha tāu e whiwhi ai, i roto i ngā tāra.
He waitara noa ngā ira e rua o te hua. I runga i tētahi rāhui kāore koe e pā atu, he rārangi tērā i te tahua whakahaere o te tau e heke mai.
He whakaahuatanga i runga i te rerekētanga e rua ngā ira i waenga i te reiti pēke 4% hei tauira me te taumata kore-maukati 6.00%, i mua i te tāke, me te whakaaro ka pūmau te reiti mō te tau katoa. Ko tō ake reiti whaihua te mea nui.
Ngā toenga ōrite, i te taumata tekau mā rua marama
| Te toenga i nekehia | No lock, 6.00% APY | Raka 12-marama, 6.75% APY |
|---|---|---|
| $250,000 | +$5,000 / tau | +$6,875 / tau |
| $500,000 | +$10,000 / tau | +$13,750 / tau |
| $1,000,000 | +$20,000 / tau | +$27,500 / tau |
Illustration only, before tax. It assumes a 4% bank rate as the baseline, a rate that holds for a full year, and no withdrawal during the period. The introductory 7.00% applies to the first six months and is not included above. Neither rate is guaranteed.
What you give up.
Two points do not come for free. Here is the exact list of what a business savings account gives you that this product does not.
FDIC insurance
This product is not FDIC insured. Nothing replaces that.
Tere
Ka taea te tango moni i roto i ngā hāora 48, kāore i te rā kotahi.
Māmā
He hoa mahi hou tenei, ka kitea i roto i to mahi.
Te tino pūmau o te reiti
Ko te reiti he papa whakaputa, ehara i te whakapūmau kirimana.
Ko te whānuitanga katoa, me ngā kaupapa kua kapi me ngā whakakorenga, kei te whārangi kapinga me te tūraru. Ko ngā mea e pātaihia ana i te wā whakaurunga kei te whārangi tautukunga.
Ko te noho ki tō pēke te whakatau tika.
Ko tētahi o ēnei, i a ia anō, he take rawaka kia kaua e whakatuwhera pūkete. He pai ake māua kia whakatau koe i tēnei ināianei, kaua i te toru wiki ki roto i te KYB.
- The money is operating cash (payroll, payables, tax) and you need it the same day.
- Kei raro tō toenga katoa i te tepe FDIC $250,000, ā, he nui ake te uara o te tūāpapa ki a koe i ngā piro e rua.
- Ko tō kaupapa here pūtea e aukati ana i te whakapā atu ki ngā kirimana mōhiohio, ā, kāore e taea te whakarerekē i tēnei tau.
- Kua whakaritea kētia te moni: he hokonga, he whakawhanaketanga, he pire tāke rānei i roto i ngā rā e ono tekau e heke mai nei.
- Ko tētahi kirimana nama, hononga pēke rānei e hiahia ana koe ki te pupuri i ngā toenga i te pēke.
- Kāore e taea e tō hinonga te whakaoti i te KYB, kei roto rānei i tētahi rohe kāore mātou e mahi ana.
- Kāore tētahi o te rōpū pūtea e hiahia ana ki te whakahaere i te tūranga i te hui poari, arotake rānei e whai ake nei.
- Kei a koe ngā nama e ono mati neke atu rānei kāore i neke i roto i te tau
- Kua eke tō toenga ki runga ake i te whakapikinga FDIC i tētahi pēke kotahi
- Kua wehe kē koe i ngā moni whakahaere mai i ngā rāhui i roto i ō pūrongo
- E rua ngā rā mahi o te pānui e manakohia ana mō tērā wāhanga
- Ka taea e koe te whakaoti i tētahi KYB me te whakaingoa i tētahi hinonga kirimana
- E hiahia ana koe kia whakamāramatia te pūtake o te hua, kaua e huna ki muri i te tau kotahi
- Kei te whakaaro koe ki tēnei hei whakawhiwhinga kotahi, ehara i te mea hei whakakapi mō tō pēke
Kāore tētahi o ngā rārangi e tohu ana hei kupu whakaaro. Whakatauritea te utu whakawhiti ki tētahi pūtea mākete moni me tētahi pūkete tahi i mua i tō whakatau.
Me pēhea te neke i tētahi wāhanga anake o tō toenga.
Ehara tēnei i te whakakapi pēke. Ko te whakamahinga i whakaarohia he poro o te rāhui, ka whakaritea ki tō ake hītori toenga, me te waiho i ngā mea whakahaere katoa ki tōna wāhi.
Kimihia te wāhanga kāore i pā
Tirohia ngā toenga o ngā marama tekau mā rua kua hipa, ka tango i te papa, arā, te moni kāore te pūkete i heke ki raro. Ko tērā tau, me te tango i tētahi parenga ka whiriwhiria e koe, ko te kaitono pono. Ko ngā mea katoa kei runga ake i tērā ka noho tonu ki tōna wāhi.
Tīmata i te taumata kore-maukati
Nekehia tētahi wāhanga tuatahi i te 6.00% APY me te kore maukati. Ka pupuri koe i te urunga 48-hāora i te wā e mātakitaki ana te rōpū pūtea i tētahi marama katoa o te whakaemi, te pūrongo me te hohoutanga i mua i te whakatau i tētahi atu mea.
Whakapiripiri anake i te mea e tautokohia ana e nga raraunga
Mena ka mau te papa, nekehia tetahi wahanga o te poro ki roto i nga taumata 3, 6, 9, 12 marama ranei kia tae ai nga wa whakamutu ki te wa e hiahia ana koe ki te moni. Waiho te toenga hei moni wai. Arotakehia te wehenga ia kauwhata, penei i era atu raina putea.
I mua i te whakawhitinga tuatahi
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.
- FDIC, Ngā reiti ā-motu me ngā tāpiringa reitifdic.gov
Te reiti putea ā-motu mō ngā pūkete penapena o 0.37% mai i te 21 o Mahuru 2026, te paerewa whakataurite mō ngā reiti pēke i tēnei whārangi.
- FDIC, Inihua pūteafdic.gov
Standard insurance amount of $250,000 per depositor, per insured bank, per ownership category, and what FDIC coverage does not apply to.
- US Treasury, Ngā reiti ā-tau o te kurupae utu a Treasury o ia rāhome.treasury.gov
3-marama te pihi utu a te Treasury o 4.25% i te 29 o Hepetema 2026, te paerewa i muri i te reiti pēke 4% whakaahua i whakamahia i roto i te tatauranga.
- Te Pēke Matua, ngā whakahaerenga mākete tuwherafederalreserve.gov
Te awhe whāinga o ngā pūtea a te Pēke Matua mai i te 3.75% ki te 4.00% mai i te 17 o Hepetema 2026, te reiti kaupapa here kei muri i ngā reiti tāpui me ngā pire T i whakahuahia nei.
- Circle, te mārama o USDCcircle.com
Ngā whakaaturanga rahui USDC. E tautoko ana i te mōrearea whakaheke o te moni pūmau e whakaahuatia ana i tēnei whārangi, kāore nei i te kapi i te inihua.
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.