Idle cash should earn like a reserve.
Cover applies only to Coinstancy-defined Sensitive Protocols, subject to policy terms and limits.
Te atanga hua. Ko ngā whika e whakaaturia ana he mea whakaahua noa.
No lock-up at 6.00%, or lock part of the reserve for a higher rate.
Annual percentage yield, as of September 2026. The APY is fixed and may be adjusted as market conditions evolve.
Whakaotia te KYB
Ngā tuhinga rēhitatanga, ngā rangatira whai hua, ngā kaihaina. Kotahi, i mua i te putunga tuatahi.
Tāhaurua me te kōwhiri i tētahi wā
Tukuna te USD mā tō pūkete kamupene, tukuna rānei te USDC. Kōwhiria tētahi rāka, kāore rānei.
Track it, withdraw in 48 hours
Ka whakaemitia te huamoni ia rā, ka whakaaturia ki te papatohu. Ka whakatauhia ngā putanga i roto i ngā hāora 48.
Wehea te rāhui e kore koe e pā atu i tēnei hauwhā. Waiho te moni whakahaere ki te pēke.
Yield comes from lending and liquidity on established DeFi protocols that we review and monitor: Curve, Pendle, Balancer, Aave and others. You never touch a protocol and hold no keys.
Ka hipokina ngā pūtea e OpenCover i runga i ngā Tikanga Tairongo kua tautuhia e Coinstancy, i raro i ngā tikanga o te hipoki. Ehara i te pūtea pēke, ā, kāore hoki i te inihua e FDIC.
He pai ake ki a mātou te whakaatu i te pūtake o te hua, kaua ko te kī i te tau me te mutu i reira.
Your funds are deployed across DeFi protocols we review and monitor: Curve, Pendle, Balancer, Aave and others. The APY is fixed and may be adjusted as market conditions evolve, so we publish it with a date and we say what can go wrong.
Ngā tikanga
Kōwhiria te wā rāhui, tirohia te reiti me te huamoni kua matapaetia i mua i tō whakaū.
Te aro turuki
Tirohia tonu ko ēhea ngā kawa e pupuri ana i ō pūtea, me te ōwehenga, i ngā wā katoa.
Pūrongo
Ko ngā tauākī ā-marama me ngā kaweake CSV ka taea e tō kaikaute te whakarite me te kore pātai ki a koe.
Ngā atanga hua. Ko ngā whika e whakaaturia ana he whakamārama.
| Criterion | Coinstancy Pro | Pūtea penapena pakihi | Pūtea mākete moni |
|---|---|---|---|
| Hua tohu | 6.00 – 6.75% | 0.5 – 2% | 4 – 5% |
| Te uru ki ngā pūtea | 48 hāora | Rā anō | 1 – 2 rā |
| Te wā iti rawa | Kore | Kore | Kore |
| Kua inihua FDIC | Kāo | Āe, ki ngā rohe | Kāo |
| Te kapinga mate | Sensitive Protocols only, per policy terms and limits | FDIC, ki ngā rohe | Kore |
| Kua whakapuakina te puna hua | Āe, i ia kawa | Kāo | Wāhanga |
He whika tohu hei whakataurite, mai i te Mahuru 2026. He rerekē ngā reiti pēke me ngā pūtea i runga i te umanga me te toenga. Ehara a Coinstancy Pro i te pūtea pēke, ā, kāore he inihua FDIC e mau ana.
This is not a bank deposit and carries no FDIC insurance. The APY is fixed and may be adjusted as market conditions evolve. If your treasury policy bars smart contract exposure, or you need same-day access to the full balance, this product is not the right fit.
Pātai Auau
The yield comes from lending and liquidity provision on established DeFi protocols, not from a promotional subsidy. That also means it carries risks a bank deposit does not. The APY is fixed and may be adjusted as market conditions evolve.
No. FDIC insurance applies to bank deposits and does not apply here. Funds are instead covered by OpenCover on Sensitive Protocols defined by Coinstancy, for specific protocol-related events, subject to policy terms, limits and exclusions.
Ka wātea ngā tangohanga i roto i ngā hāora 48. Mēnā kei runga koe i te taumata maukati ka puta wawe atu, ka whakahokia tō moni matua, ka ngaro hoki te huamoni kua whiwhi. Kāore he whiu mō te moni matua.
Coinstancy is custodial. Your funds first enter a secure multisignature wallet operated by Coinstancy, then are deployed into the DeFi protocols we select and monitor. You hold no private keys and interact only with the dashboard.
Company registration documents, beneficial ownership information and identification for signatories. It is completed once, before the first deposit.
Koina te whakamahinga i whakaarohia. Ko te nuinga o ngā kamupene ka toha i te wāhanga rāhui kua tohua kētia hei kore pākia mō te hauwhā neke atu rānei, ka waiho hoki i te moni whakahaere ki te pēke.
Put your idle cash to work.
Open an account, complete the KYB once, and choose the term that fits your reserve.