Kei a koe kē te USDC. Whakamahia.
Whiwhi hua i runga i tētahi wāhanga o tō pūranga stablecoin. Ka pā te whakamarumaru ki ngā Kawa Tairongo kua tautuhia ā-roto anake, i raro i ngā tikanga kaupapa here.
Rārangi reiti mai i Mahuru 2026 · USD, USDC rānei · Me whai KYB i mua i te pūtea tuatahi
Te putanga poto
- Kei tō pūranga kē te USDC, nō reira ko te whakaurunga he KYB (Tirohanga Mōhio ki tō Pakihi) me tētahi whakawhitinga: kāore he pēke hei whakapā, kāore he ara-whakauru hei whakaae.
- Wāhia te toenga i mua i te kōwhiri i tētahi taumata: ka noho te pūtea whakahaere ki tōna wāhi, ka haere te pūtea tāpui ki te taumata kore-maukati, ka whiwhi te pūtea tāpui noho ki tētahi wā.
- 6.00% APY (annual percentage yield) with no lock, 6.25% to 6.75% on a 3 to 12-month term, 7.00% introductory for the first six months, as of September 2026.
- Ka hipokina ngā pūtea e OpenCover i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i raro i ngā tikanga herenga. Kāore e hipokina te hekenga o te moni pūmau, ā, ehara tēnei i te inihua FDIC.
- Ka mau tonu ki a koe to hainatanga maha, o kaihaina me to kaupapa here haina. Ko te waahanga kua tohaina anake ka neke, a ka hoki mai i roto i te 48 haora ki tetahi waahi kua whakaritea i te KYB.
Ehara te whakawhitinga i to raru.
Most of what a corporate treasury has to work through before touching this product, you settled a long time ago: approving a stablecoin, agreeing an accounting line, getting comfortable with an on-chain balance. What is left is a narrower question: what happens to the part of that balance that never moves.
Kua oti i tō taha
Kei te tuwhera tonu
He aha te mea ka huri mō te whakaurunga
A company funding in USD spends most of its onboarding on the parts around the product: convincing a bank, agreeing a transfer route, explaining a stablecoin to a board that has never held one. You skip all of it. Funding is a transfer from a balance you already control, and the only gate left is the KYB, which for a web3 entity has its own shape, covered further down this page.
Te hua i runga i te wāhanga kāore e neke.
The whole exercise is deciding which slice of the stablecoin balance is genuinely idle. Split it three ways first, then pick a tier for each, not the other way round.
Putea whakahaere
Utu kaimahi, kaihoko, penehi, putea hanga mākete, ngā mea katoa whai rā. Ehara tēnei i te wāhanga e kōrerohia ana e mātou.
Buffer
Ko te moni ka hiahiatia e koe i tēnei tau, i tētahi rā kāore anō kia mōhiotia. Me kore rawa te utu mō te pōhēhē.
Rahui noho noa
Ngā hua o te kohi pūtea, te moni kua kohia mai i te kawa, te wāhanga o te pūtea kua whakawhānuitia ki ngā stablecoin ā kua waiho noa.
Te rārangi reiti, me te wāhi e tika ana mō ia taumata
| Wā | APY | Te wāhi e tika ana |
|---|---|---|
| Reiti whakataki | 7.00% | Ngā marama 6 tuatahi |
| Kāore he maukati | 6.00% | Te putea ārai ka hiahiatia pea e koe i te wā poto |
| Maukati 3 marama | 6.25% | Te moni kua whakaritea mō te rerenga o te mutunga o te hauwhā |
| Maukati 6 marama | 6.40% | He wāhanga rāhui me te pae e taea e koe te tiaki |
| Maukati 9 marama | 6.60% | Te ara rererangi kua oati kē koe kia kaua e pā |
| Maukati 12 marama | 6.75% | Te wāhanga kāore i neke i roto i te tau |
I runga i tētahi taumata kua maukati, ka whakahokia e te putanga moata te whakapaipai engari ka ngaro te huamoni kua whakaemihia. Kāore he whiu i runga i te moni matua. Ka wātea ngā tangohanga i roto i te 48 hāora i runga i ia taumata.
Whakaahuatanga mō te taumata kore-raka, ki te toenga kāore e whiwhi moni i tōna wāhi, i mua i te tāke, me te whakaaro ka mau te reiti mō te tau katoa. Kāore te reiti i te tūturu. Mēnā kua whakamahia kētia tētahi wāhanga o tō toenga ki wāhi kē, ko tērā tūnga tō tohu, ehara i te kore: whakamahia ō ake tatauranga.
Why not run it in-house.
Ka taea e koe anō te whakatuwhera i ngā tūnga ōrite i runga i ngā kawa ōrite, ā, tērā pea e mōhio ana tō rōpū me pēhea. Ko te whakatakoto moni te wāhanga ngāwari. Ko te mea e whai ake ana he herenga whakahaere tūturu. Anei te rārangi pono o ngā mea ka riro māu.
Ngā mea ka kawea e koe, tētahi ki tētahi
Pool composition drifts. Emissions get cut. An oracle gets re-pointed. A governance proposal that changes a risk parameter lands on a Friday night with a 48-hour voting window. Watching a position is not a weekly task on someone’s board. It is an on-call rotation, and someone on your team has to own it alongside the job they already have.
Kei te noho te kapi kawa, ā, ka taea e koe te hoko māu ake. Nāu te maramataka whakahou, ngā here mō ia kawa, me te rārangi whakakore me pānui koe i mua i tō whakaaro ka kapi tētahi mate. He whakatau anō te waiho i tērā mahi: mā te hinonga tonu e utu te rahunga i runga i tana ake pepa toenga.
In-house positions are usually built by an engineer, not by the finance team. The knowledge of why this pool, why this cap, why this exit trigger, lives with them. When they leave, the position outlives the reasoning, and the signer set has to be reorganised around a live allocation.
He nui te nama i runga i te whārangi tātari. Ko te urunga, te tono utu, te whakawhiti hoki ki te USDC me te putanga, he utu katoa mō te hau me te paheke, ā, ko te putanga te mea utu nui ina kore koe e hiahia ki te utu. He rerekē ngā tau e whakatauira ana koe i roto i te ripanga me ngā tau ka kitea e koe i roto i te tau.
Ngā hītori taumata-tūnga, ngā wāriu i te mutunga o te wā, me te whakamārama i te takenga mai o te hua kāore e hiahia ana ki te pānui i tētahi kaitoro poraka. He pōturi ake te hanga i taua rekoata i muri i te mahi i te whakaputa i a koe e haere ana.
I te wā e tika ana te mahi ā-whare
Mēnā e rua, neke atu rānei o ēnei e whakaahua ana i a koe, he takawaenga mātou i waenga i a koe me tētahi mea e mahi pai ana koe. Me mahi tonu.
Te kapinga kāore i a koe i tēnei rā.
Kāore he hipoki kawa mō te USDC e noho ana i tō ake pukoro, ā, kāore hoki mō tētahi tūnga i whakatuwheratia e koe mēnā kāore koe i hoko hipoki mōna. Ka hipokina ngā pūtea i konei e OpenCover i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i raro i ngā tikanga herenga, ngā here me ngā whakakorenga.
Kua Kapi
mā OpenCoverKāore i Kapi
This is not FDIC insurance, and nothing here makes it one. A depeg of the underlying stablecoin, the risk your treasury already carries by holding USDC, stays outside the policy.
Ngā kawa kua tohua
Ā mātou paearu whiriwhiri
Curve 
Pendle 
Balancer 
Aave Ko ngā ingoa e mōhiotia ana e tō rōpū, koia tonu te take: ko te rerekētanga ehara i te wāhi, engari ko wai e mātaki ana, ā, he aha ka puta ina rahua te waehere. Ko te whārangi kapinga me te tūraru e whakaatu ana i te whānuitanga tika, ngā here me ngā whakakorenga.
KYB mō ngā hinonga web3.
Me whai KYB i mua i te pūtea tuatahi, ā, ko te tūāpapa, te kaitakawaenga DAO, te rōpū mana e rua rānei ka puta ngā pātai kāore e puta i te kamupene whakahaere kotahi. Kāore tētahi o ēnei he aukati. He māmā noa ake te whakautu i mua i te tīmatanga i te haurua o te huarahi.
Ngā pātai e rima ka puta i tētahi kōnae web3
Crypto-native groups rarely have one company. A foundation holds the protocol, an operating company employs the team, and a wrapper sits around the DAO. The entity that deposits is the entity we contract with and screen, so settle that before you gather a single document. The answer is usually whichever entity already holds the balance on its balance sheet.
Ehara ngā kaipupuri tohu i te hunga rangatira whai hua i runga i te tikanga KYB, ā, ehara te tohatoha tohu i te mekameka rangatiratanga. Ko te mea e hiahiatia ana e mātou ko ngā kaiwhakahaere, ngā kaiārahi, ngā mema kaunihera rānei, ngā tāngata ka taea te mahi mō te hinonga, me te tuakiri mō ia kaihaina.
He whakatau a te poari, mema, kaunihera rānei e whakamana ana i te pūkete. Ko te pupuri kī i roto i te multisig, ehara i te mea anake he taunakitanga ka taea e te tangata te here i te hinonga. He pātai motuhake ēnei e rua, ā, ka pātaihia ngā mea e rua.
Token sale proceeds, accumulated protocol revenue, an investment round, a diversified slice of a native token position. A short written explanation, with the addresses that back it. On-chain history is easier to evidence than a bank ledger, and it is treated the same way.
The funding address and the withdrawal destination are named during KYB and confirmed once. That is what makes a 48-hour withdrawal window possible: there is no destination to verify at the moment you ask for the money.
Ngā mea e kore mātou e kī atu ki a koe mai i tētahi whārangi tukutuku
Mēnā kei te whakaaetia tō rohe rehitatanga. Kāore mātou e whakaputa i taua rārangi, nā te mea ka neke haere ia i runga i ngā tikanga whakawhiu me ngā aratohu, ā, mā te whārangi tawhito e hē ai te ara o tētahi rōpū pūtea. Ka whakatauhia i runga i te rārangi e mana ana i te rā e arotake ai mātou i tō kōnae, ā, ka whiwhi koe i te whakautu ā-tuhi i mua i tō whakatau i tētahi mea. Mēnā he rerekē tō hanganga, pātai i te tuatahi. Kotahi noa te karere, ā, ka kore koe e whakahiato i tētahi kōnae kāore pea e hiahiatia.
Ka noho tahi me tō tiaki, kāore e whakakapi i a ia.
Ka pupuri tonu koe i tō hainatanga maha, tō kaitiaki me tō huinga haina. Ko te mea ka huri ko te tauira whakahaere mō te wāhanga kua tohaina, mō taua wāhanga anake. Anei te wāhi e noho ai ngā pūtea i ia wāhanga.
Wāhanga ki te wāhanga
I mua i te tāpae
Tō putea, tō hainatanga maha, tō kaitiaki rānei. Ko koe, i runga i tō ake kaupapa hainatanga.
Whakawhitinga pūtea
Moving to the address issued at onboarding. You sign it. Coinstancy never becomes a signer on your wallet.
Kua whakamahia
Held by Coinstancy in a multisignature wallet it operates, then deployed into DeFi protocols it selects and monitors. You hold no keys to the position.
Kua tonoa te tangohanga
Kei te wetewetehia mai i ngā kawa. Mā Coinstancy, i roto i te wā 48-haora.
Whai muri i te tangohanga
Hoki ki te wāhi i whakaingoatia i te wā KYB. Ko koe anō.
Ngā mea ka noho ki a koe
Ngā mea ka whakarērea e koe i runga i te wāhanga kua tohatohaina
He tohatoha tuatahi tika
Take the slice of USDC that has not moved in two quarters, put it on the no-lock tier, and leave the operating float exactly where it is. That gives your team a full withdrawal cycle to test (request, 48 hours, funds back at the address you named) before anything is committed to a term. If the cycle behaves the way this page says it does, extend the term. If it does not, you have lost nothing but a few days of accrual.
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.
- Circle, ngā pūrongo mārama me ngā rahui USDCcircle.com
Issuer disclosures for USDC: reserve composition and monthly attestations behind the stablecoin your treasury already holds.
- FDIC, inihua pūteafdic.gov
Ngā mea e hipokina ana e te inihua FDIC me ōna rohe. Ehara a Coinstancy Pro i te pūtea pēke, ā, kāore i te inihua e FDIC.
- FASB, Accounting Standards Update 2023-08 (crypto assets)fasb.org
Te kaute US GAAP mō ngā rawa crypto (Wāhanga 350-60). Ko te whakatau mēnā ka uru tētahi stablecoin ki tōna whānuitanga he pātai mā tō kaikaute.
- DefiLlama, protocol TVLdefillama.com
Kaiwhakahuihui ora mō te tapeke uara kua maukati (TVL) i runga i Curve, Pendle, Balancer, Beefy, Aave me StakeDAO. Kāore he tatauranga e whakahuahia ana i tēnei whārangi: tirohia te uara o nāianei ki reira.
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.