Coinstancy
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PUT IDLE DOLLARS TO WORK

Stay in dollars.Move forward.

Discover Dollar Savings on USDC, with automatic reinvestment and withdrawal requests anytime. Review the risks before you deposit.

Discover Dollar Savings
  • Dollar exposure
  • Whakaurunga Aunoa
  • Tukua atu i ngā wā katoa
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Your dollars. Your choices.

Penapena Tāra

USDC • Fixed APY

7.50%

APY

Tukua atu i ngā wā katoa

Flexible holding period

48h

normal settlement

Ko te APY e whakaaturia ana ko te reiti mau tonu e mana ana ināianei. Ka whakahoutia pea i te rerekē haere o ngā āhuatanga o te mākete; ka hāngai te reiti hou ki ngā toenga o nāianei tae atu ki ngā tāpae hou.

Before your first deposit.

Penapena Tāra

  • Interest accrues every second and is automatically reinvested.
  • Ka taea e koe te tono tangohanga i ngā wā katoa. Ko ngā tono kua oti ka whakatau noa i roto i te 48 hāora maramataka; ka roa ake pea te whakapūmau whatunga whakamutunga.
  • Ka uru tuatahi tō USDC ki tētahi pukoro waitohu-maha haumaru e whakahaerehia ana e Coinstancy i mua i tōna tukunga ki ngā rautaki ā-poraka kua tīpakohia.

Main risks

Tūraru moni pūmau
Ka tukuna te USDC e Circle. Ka taea e te moni pūmau te ngaro mō te wā poto, mō te wā roa rānei tōna here ki te tāra US.
Mōrearea kawa
Ka pāngia ngā kawa on-chain e whakamahia ana e tētahi rautaki e ngā hapa waehere, ngā whakamahinga kino, ngā rahunga oracle, ngā maiki whakahaere rānei, ka hua pea he ngaronga wāhanga, ngaronga katoa rānei.
Tūraru moni
In stressed markets, limited available liquidity in a protocol can delay withdrawal processing and settlement.
Mōrearea whatunga
Ka taea e te pōnānā o te poraka, ngā aukatinga, ngā pikinga utu rānei te whakaroa i ngā whakawhitinga me ngā whakaūnga.

Selected protocol exposures may benefit from additional coverage arranged through OpenCover, subject to the applicable policy terms, conditions, and coverage limits. How protocol coverage works

Read more about risks

How it works.

  1. Assess your needs

    Decide how much of your dollar savings you want to put to work

  2. Choose Dollar Savings

    USDC at 7.50% APY (fixed rate currently in force)

  3. Tuku rawa

    Deposit cash (we'll convert it automatically). Interest starts accruing every second

  4. Mātakitaki i te tipu

    Interest is automatically reinvested

E hia te whiwhi ka taea e koe?

Dollar Savings · 7.50% APY

Amount in USDC. Minimum $10.

I muri i te tau kotahi$10,750

+$750 earned

I muri i te tau 3$12,423

+$2,423 earned

I muri i te tau 5$14,356

+$4,356 earned

Illustrative example at the current fixed APY of 7.50% for Dollar Savings. The APY is an annualised yield that already includes automatic reinvestment. Projection = deposit × (1 + APY)^years, assuming the current rate stays unchanged throughout. Future rates and returns may change. Provided as general information for your own assessment.

Waihanga pūkete kore utu

A closer look

What Dollar Savings offers.

What Dollar Savings offers.

Fixed APY

Earn 7.50% APY. The APY shown is the fixed rate currently in force. It may be revised as market conditions evolve; a new rate applies to existing balances as well as new deposits.

Flexible holding period

Ka taea e koe te tono tangohanga i ngā wā katoa. Ko ngā tono kua oti ka whakatau noa i roto i te 48 hāora maramataka; ka roa ake pea te whakapūmau whatunga whakamutunga.

Stay in dollars

Dollar Savings works with USDC, a stablecoin designed to track the US dollar. A stablecoin can temporarily or durably lose its peg.

Questions, answered.

He aha ngā mōrearea?

The main risks are stablecoin risk (USDC can lose its peg to the US dollar), protocol risk (bugs, exploits or governance incidents on the on-chain protocols used), liquidity risk (withdrawals can be delayed in stressed markets) and network risk (blockchain congestion or outages). Coinstancy may arrange additional cover for selected protocol exposures. When a policy is active, it can address eligible incidents within its stated terms, limits and dates. How protocol coverage works

He aha te mea ka pā mēnā ka mutu te whakahaere a Coinstancy?

Client funds are segregated from the company's funds. You can request a withdrawal at any time.

What does protocol coverage address?

Coinstancy may arrange additional cover for selected protocol exposures. An active policy can address eligible incidents within its stated terms, limits and dates. Depending on the policy, eligible incidents can include smart contract bugs, code errors or oracle manipulation. Market-related losses, user-side errors or fraud, and rug pulls remain outside its scope. How protocol coverage works

Ka taea e au te tango i ōku moni i ngā wā katoa?

Yes. You can request a Savings withdrawal at any time, with a $0 withdrawal penalty. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.

Put your USDC to work.

Dollar Savings currently pays 7.50% APY.

Tīmata te whiwhi

7.50% APY • Automatic reinvestment • Withdraw anytime