Mōhiohia te mea e whiwhi ana tō pūkete penapena pakihi
He whakataurite rānei mō ngā pūkete penapena pakihi ki tētahi hua penapena stablecoin kua hipokina — tae atu ki ngā mea e whakarerea ana 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.
- Ka utu a Coinstancy Pro i te 6.00% APY me te kore here, tae atu ki te 6.75% i te tekau mā rua marama, me te 7.00% whakamōhio mō ngā marama e ono tuatahi.
- 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 e FDIC. Ko ngā pūtea e tika ana ka kapi mā OpenCover mō ngā kaupapa motuhake, tae atu ki te 100% o te uara USD, i raro i ngā tikanga kaupapahere, ngā rohe me ngā whakawāteatanga.
- Ko USD, USDC rānei anake, ā, e hiahiatia ana te KYB kotahi i mua i te putunga tuatahi.
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.
Ko te 4% e whakamahia ana i tēnei whārangi he whakaahua, ehara i te reiti kua whakahuahia, kua whakapuakina rānei. He tino rerekē ngā reiti penapena pakihi i waenga i te pēke ā-motu, te pēke ipurangi anake, me te pūkete mākete moni pakihi, ā, ka neke rātou i runga i te taiao reiti. Tangohia te reiti whaihua mai i tō pānui whakamutunga — koia anake te nama e whai pānga ana ki tō whakatau. Ka whakaputahia e mātou ngā reiti mō ia pēke me ngā puna, ka whakahoutia ia marama, i te whārangi reiti.
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 | Inihua FDIC i tētahi pēke kua inihuatia, tae atu ki te rohe inihua paerewa mō ia kaitāpui, mō ia pēke, mō ia kāwai rangatira. | Kāore he inihua FDIC. Ko te whakamarutanga mā OpenCover mō ngā kaupapa kawa motuhake, tae atu ki te 100% o te uara USD, i raro i ngā tikanga kaupapa here, ngā rohe 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 hei kōrero mō te pūkete penapena. He whiu mō te tango wawe i te pūtea CD pakihi. | 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 | Kāore he maukati — 6.00% APY | Maukati 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.
- Ko te moni he moni whakahaere — utu kaimahi, nama, tāke — ā, e hiahiatia ana e koe i taua rā anō.
- Kei raro iho tō toenga katoa i te rohe FDIC, ā, he nui ake te uara o te taurangi ki a koe i te rua ira.
- 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 marama tekau mā rua kua hipa o ngā toenga, ka tango i te papa — te moni kāore te pūkete i heke iho i raro. Ko taua nama, ka tango i tētahi pūreirei e kōwhiri ana koe, koia te kaitono pono. Ko ngā mea katoa kei runga ake ka noho tonu ki reira.
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
Tonoa te urunga, ka pātai rānei i ngā pātai uaua i te tuatahi.
Whakatuwherahia tētahi pūkete tika. Mēnā e hiahia ana tō rōpū pūtea ki ngā tikanga kapinga me ngā whakaritenga KYB i mua i tērā, ko te waea atu te huarahi tere ake.