Pēhea te mahi a Coinstancy Pro
From deposit to withdrawal, the full mechanism, including where the funds sit at every step.
E hiahiatia ana te KYB · USD, USDC rānei · Ngā reiti mai i Mahuru 2026
Tuku
USD mai i tō pēke umanga, USDC rānei mai i tētahi toenga o nāianei. Ka oti te KYB i te wā kotahi, i mua i te putunga tuatahi.Te wāhi e noho ai ngā pūteaTō pēke, tō pūkoro matihiko rānei, kia tau rā anō te whakawhitingaTaipitopito →
Whakatakotoranga
Coinstancy allocates the balance across six reviewed protocols. You never interact with a protocol and hold no keys.Where the funds sitCoinstancy custody, deployed in protocol contractsDetail →
Whakaemitanga
Yield accrues at your tier rate and shows in the dashboard. Nothing to claim, roll over or re-deploy manually.Where the funds sitCoinstancy custody, deployed in protocol contractsDetail →
Te putanga poto
- Two eligible assets in: USD or USDC. KYB (Know Your Business verification) is completed once, before the first deposit is deployed.
- Ka tohatohahia e Coinstancy te toenga ki ngā kawa e ono kua arotakehia. Kāore ō kī, ā, kāore koe e pā atu ki tētahi kawa.
- The tier picked at deposit sets the rate: 6.00% APY (annual percentage yield) with no lock, up to 6.75% at twelve months, and 7.00% for the first six months.
- Ka wātea ngā tangohanga i roto i ngā hāora 48 o te tono, i runga i ngā taumata katoa.
- Leaving a locked tier early returns the principal in full and forfeits the accrued interest. This is not FDIC insured (Federal Deposit Insurance Corporation).
Step 1: Deposit in USD or USDC
E rua ngā rawa e tika ana, kotahi te hipanga tautukunga, kotahi te whakatau: ko tēhea taumata e hiahia ana koe.
He aha te tāpae e pā ana
He aha te mea kāore e pā ana
He rerekē ngā huarahi o te USD me te USDC
Ka whakatauhia te hua ki ngā tāra ahakoa te ara. Ka whakamahia tētahi moni whakatakoto USDC ina tae mai. Ka hurihia tētahi moni whakatakoto USD ki te USDC i mua i te whakamahinga o ngā mea katoa, nā te mea ka whakatauhia ngā kawa i tērā taha ki ngā moni pūmau, kaua ki te moni pēke. Ka mutu ngā ara e rua ki te wāhi kotahi, ā, ka taea te whakahoki i ngā ara e rua i te tangohanga: ko koe te whiriwhiri mēnā ka hoki mai ngā pūtea hei USD, hei USDC rānei.
Ka puta te KYB kotahi, i mua i te whakamahinga o te moni tuatahi, ā, e pā ana ki te kamupene, kaua ki te tangata. Ko te whārangi hanganga ture e whakarārangi ana i ngā tuhinga mā te momo hinonga me ngā wātaka tika.
Step 2: Deployment across selected protocols
The balance is put to work across six DeFi (decentralized finance) protocols Coinstancy has reviewed and monitors. This is the step that produces the yield, and the step that carries the risk.
Coinstancy is the custodian
Your funds first enter a secure multisignature wallet operated by Coinstancy, then are deployed into the selected protocols. Coinstancy manages the allocation and the monitoring; you hold no keys and interact only with the dashboard.
Kaore koe e pa ki tetahi kawa
Kaore he putea hei whirihora, kaore he piriti hei whakahaere, kaore he tuunga hei whakatikatika. Ko te mata whakahaere kei to matou taha.
Ka arotakehia te tohatoha, ehara i te mea pateko
Ka tohua nga kawa i runga i nga paearu kua whakaputahia, ka aroturukihia i ia wa, me nga tikanga putanga kua tautuhia.
Curve 
Pendle 
Balancer 
Aave Coinstancy is custodial: the funds are held in a multisignature wallet it operates and no private key sits with you. Once deployed, they are also exposed to smart contract behavior on each protocol, which is precisely the exposure the OpenCover policy is written against. What the policy covers, and the long list of what it does not, is set out on the coverage page.
Step 3: How yield accrues
The tier you chose at deposit sets the rate. Accrual runs on its own and shows in the dashboard. There is nothing to claim and nothing to roll over by hand.
Where the yield comes from
Lending and liquidity provision on established DeFi protocols, not a promotional subsidy funded by new deposits. That is why the number is defensible in a treasury committee, and also why it is not a guaranteed return. A bank rate is a promise from a balance sheet; this one is the output of positions that can behave differently in a bad month.
What accrual does not do
Accrued interest is not principal. It is the part you forfeit if you leave a locked tier before term, and it is the part the coverage does not restore: yield below the advertised rate is an explicit exclusion from the OpenCover policy. Interest also has a tax and accounting treatment that is yours to determine with your advisors.
Step 4: Withdrawal within 48 hours
Ka wātea ngā tangohanga i roto i ngā hāora 48 o te tono. Ko taua matapihi te nama pono, ā, koia te take ka noho tēnei ki roto i tētahi rāhui, kaua ki tētahi pūkete whakahaere.
Tono
Ngā wā katoaKa tukuna mai i te papatohu, i ngā wā katoa, mō te moni katoa tae atu ki tō toenga.
Whakaweto
Ka katia ngā tūranga i roto i ngā kawa o raro mō te moni i tonoa.
Whakataunga
I roto i ngā hāora 48Ka whakahokia ngā pūtea ki te USD, ki te USDC rānei, e wātea ana i roto i ngā hāora 48 o te tono.
E whā tekau mā waru hāora ehara i te rā kotahi
Kei reira te roanga nā te mea me kati ngā tūranga i mua i te neke o ngā tāra. Kāore e tika kia whakawhirinaki te oma utu kaimahi, te utu tāke, te whakataunga kaiwhakarato rānei e tika ana āpōpō i te ata ki tēnei toenga. Ko te tohatoha paerewa ko te wāhanga o te pūtea kua tautuhia e koe hei kore pā mai mō te hauwhā tau neke atu rānei, me te waiho i te moni whakahaere ki te wāhi e taea ai te whakapau i taua rā anō.
On a locked tier, a withdrawal before term is still available within the same window. It is simply treated as an early exit, which changes what you get back.
He aha te tikanga o te putanga moata
Ka whakahokia te moni whakapaunga. Ka ngaro te moni hua kua whiwhi. Kāore he whiu i runga i te moni matua.
He aha tāu e pupuri ana
He aha tāu e tuku atu
The comparison worth running is not lock against no lock in the abstract. It is the extra yield of the longer tier against the probability you need the money early.
Take a $500,000 allocation on the 12-month tier at 6.75% APY. Exiting after nine months returns the $500,000 in full and forfeits roughly $25,300 of accrued interest, on a simple-interest basis before tax. Had the same balance sat on the no-lock tier at 6.00% for those nine months, the accrual would have been around $22,500, and it would have been kept. The lock is worth taking when the horizon is genuinely firm, and not otherwise.
Illustration only, computed from the published grid as of September 2026 on a simple-interest basis, before tax and before any change in the underlying rates. Your own figures are the ones that decide it: run them through the calculator.
Kei hea ō moni e noho ana i ia taahiraa
Ko te pātai tuatahi a te rōpū pūtea, ka whakautua ia rārangi: he aha e pupuri ana i te moni, ko wai ka taea te neke, ā, kei te whai mana te whakamarumaru i taua wā.
| Taahiraa | Kei hea ngā moni e noho ana | Ko wai ka taea te neke | Uru |
|---|---|---|---|
| I mua i te whakaaetanga o te moni | Tō pūkete peeke umanga, tō wāriu ake rānei | Koe | Outside the policy: nothing is deployed yet |
| Kua whakamahia | Contracts on the selected protocols, through the Coinstancy multisignature wallet | Coinstancy, as custodian, directs the allocation | OpenCover, ngā kaupapa kawa kua whakarārangihia i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i runga i ngā tikanga herenga |
| Kei te whakaemi | Same contracts: accrual does not move the principal | Coinstancy, as custodian, directs the allocation | OpenCover, ngā kaupapa kawa kua whakarārangihia i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i runga i ngā tikanga herenga |
| Te whakakore i tētahi tangohanga | Ngā tūranga e kati ana, kātahi ka tukuna ki te whakataunga | Ko Coinstancy te whakahaere i te whakakore | Ka hipokina e te kaupapa here ngā kaupapa kawa kua rārangihia, kaua te wā whakataunga |
| I muri i te whakataunga | Tō pūkete peeke umanga, tō wāriu ake rānei | Koe | Outside the policy: the funds have left the product |
Ka hipokina ngā pūtea e OpenCover i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i raro i ngā tikanga here, ngā herenga me ngā whakakorenga. Ehara i te inihua FDIC, ā, kāore e rite ana te whanonga: ka whakautu ki ngā kaupapa kawa kua whakaingoatia i roto i te here, kāore ki ngā huarahi katoa e ngaro ai te uara o te toenga. Kei te whārangi hipoki te horopaki tika, ā, ka whakautua anō ngā pātai tiaki i roto i te FAQ.
What happens in a market stress event
E toru ngā āhuatanga e pātaihia ana i ia waea āta tirotiro. E rua o ēnei kāore i te kapi, ā, he pai ake te mōhio ko tēwhea i mua i te whakatakotoranga moni, kaua i muri.
Ko ngā hapa me ngā hē o te waehere kirimana atamai tētahi o ngā kaupapa i tuhia ai te kaupapa here OpenCover, i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, ā, e herea ana ki ngā tikanga, ngā here me ngā aukatinga o te kaupapa here. Waihoki ko te raweke, te korenga rānei o te oracle, te korenga o te whakawātea, me ngā tangohanga mana kino.
Kāore e hipokina. Ko te wehenga o te moni pūmau tūturu he whakakahoretanga mārama. Mēnā ka hokohoko te rawa e pupuri ana koe i raro i te tāra, nāu ake taua mate, ā, kāore he inihua e whakaora ana.
Kāore hoki i te hipokina. Ko ngā reiti ngā tikanga o te hua, ehara i te whakahokinga pūmau, ā, ko te hua kei raro iho i te reiti pānuitia ka whakakorehia i te kaupapa here. He reiti kua tuhia me te whakaputa, ā, ko te papa rārangi kei runga ake nei te mea e mana ana i te Mahuru 2026.
Ngā tūponotanga e noho ana ki a koe
Kāore tēnei hua i te inihua FDIC, ā, kāore he mea i roto i te tikanga i runga ake nei e hanga ana i te whakapumautanga pūtea. Ko te depeg o te stablecoin taketake, ko te whakahokinga i raro i te papa kua whakaputaina, me ngā mate katoa e taka ana ki waho o ngā kaupapa kua whakaingoatia i roto i te kaupapa here, ka noho ki a koe. Ko te kōwhiringa kawa, te aroturuki haere tonu me te whakamarutanga e whakaiti ana i tētahi momo mātāpuna; kāore rātou e whakakore i te mōrearea mākete, ā, kāore tētahi tohatoha ki tēnei hua e whakaaro me pērā rātou.
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.