Pātai Auau

We do not publish a fixed minimum on this page. In practice the product is built for the reserve portion of a treasury: money a company has already identified as untouched for a quarter or more, typically six figures and up. Below that, the onboarding work rarely pays for itself. The exact amount is agreed during KYB, before the first deposit, so nothing is committed while you are still deciding.

Ka kōrerohia ngā tohatoha nui i mua i te whakatuwheratanga, kāore e whakaaetia noatia. E rua ngā here: te kaha o ngā kawa taketake, me ngā rohe kapinga o te kaupapa here OpenCover, e kapi ana i ngā pūtea i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i raro i ngā tikanga kaupapa here, ngā here me ngā whakakorenga. Mēnā kei te whakatau koe i tētahi tohatoha kei roto i ngā miriona, whakaarahia ki tō mātou rōpū mā te whārangi whakapā kia tirohia tuatahitia ngā here e rua ki tō moni.

Ko te USD, ko te USDC anake. Ka taea e koe te putea mai i tētahi pūkete peeke umanga i roto i ngā tāra, ka tuku rānei i tētahi toenga USDC o nāianei. Kāore he rawa atu e āhei ana, ā, kāore he hurihanga o BTC, ETH, tētahi atu tohu rānei hei wāhanga o tēnei hua.

As of September 2026: no lock pays 6.00% APY (annual percentage yield), a 3-month lock pays 6.25%, a 6-month lock pays 6.40%, a 9-month lock pays 6.60% and a 12-month lock pays 6.75%. Longer terms pay more because the allocation can be planned further out. The no-lock tier is the one to use if you are not certain of your horizon.

He rārangi motuhake tēnei o te kupenga reiti: 7.00% APY mō ngā marama e ono tuatahi. Ko ērā atu rārangi ko ngā reiti tū tonu mā te wā. Ko ēnei whika katoa e kīia ana i te Mahuru 2026, ā, kāore e whakapūmautia mō te anamata.

The grid is dated rather than presented as permanent, and the current version is published on the rates page. Treat any rate you see as the rate on that date. If a fixed rate for a locked term matters to your treasury policy, confirm how it is set out in your agreement before you commit the funds.

Ka whakahokia tō moni matua, ā, ka ngaro te moni hua i whiwhi ai i te wā o te wā. Kāore he whiu e pā ana ki te moni matua. He māmā te mahi: ka ngaro i a koe te hua e whai ana koe, kāore te wāhanga o te moni i tuku.

Ka wātea ngā tangohanga i roto i ngā hāora 48, i te taumata kore-maukati, ā, ina puta wawe koe i tētahi taumata maukati. Kāore he utu putanga i runga i te moni matua. Ko te mea ka utua e koe mō te putanga wawe, ko te huamoni kua whiwhi, ehara i te utu.

That depends on your jurisdiction, your entity type and your own tax position, and we are not in a position to give you tax advice. What we can do is give your accountant the underlying record: the amounts deposited, the yield accrued and the dates, as shown in the dashboard. Take that record to your tax adviser rather than a general answer from a website.

The same caution applies: the treatment of a stablecoin position and of the yield on it is a question for your auditor, and it varies by accounting framework. Before your first deposit, it is worth putting the question to them with the contracting entity and the instrument in hand. That conversation is easier to have early than at year end. The compliance page sets out what we are able to state on this.

Coinstancy is custodial. Your funds first enter a secure multisignature wallet operated by Coinstancy, then are deployed into the DeFi (decentralized finance) protocols we select. Coinstancy handles the allocation and the monitoring; you hold no private keys and interact only through the dashboard.

Allocation across the selected protocols is our decision, not a transaction you sign each time. That is the point of the product, and it is also a dependency you are taking on: you are delegating both the allocation and the operational control it requires. If your treasury policy requires per-transaction authorization, this product will not satisfy it.

Ko ngā kawa e whakamahia ana e whakaingoatia whānuitia ana: Curve, Pendle, Balancer, Beefy, Aave me StakeDAO. Ka whakaatu te papatohu i tō toenga me te hua kua whiwhi ki runga. Ko te whārangi kawa e whakamārama ana he aha i kōwhiria ai ia mea, ngā paearu i whakamahia, me ngā mea kāore i whakaurua.

E toru ngā paparanga motuhake, ā, he mea tika kia wehea. Tuatahi, ko Coinstancy hei kaiwhakahaere: ka whakahaere mātou i te tohatoha me ngā mahi kei muri, nō reira ko tō mātou ngoikoretanga he raru māu. Tuarua, ngā kawa: ka hē pea te waehere kirimana atamai, ā, ka taka pea ngā oracles me ngā whakakorenga. Tuatoru, te kaiwhakaputa moni pūmau: ko USDC he kerēme ki te kaiwhakaputa, ā, ko te depeg he ngaronga o te uara kāore e whakatikaina e te inihua kawa.

No. FDIC (Federal Deposit Insurance Corporation) insurance applies to bank deposits and does not apply here. Anyone telling you otherwise about a stablecoin yield product is wrong. What exists instead is OpenCover coverage on Sensitive Protocols defined by Coinstancy, for specific protocol events, subject to the terms, limits and exclusions of the policy.

Covered: smart contract code bugs and errors, and certain economic events outside the intended operation of a protocol: oracle manipulation or failure, liquidation failure, and malicious governance takeovers. Not covered: a depeg of the underlying stablecoin, yield below the advertised rate, losses outside the listed events, and anything the policy terms exclude. The coverage and risk page sets out the exact scope.

Ka wātea ngā tangohanga i roto i ngā hāora 48 i raro i ngā tikanga noa, ā, me whakatutuki tonu te putanga ki ngā kawa o raro. Ka pā pea te taumahatanga o te mākete ki te moni whakawhiti ki reira, ā, ehara taua āhuatanga i tētahi o ngā kaupapa kua hipokina. He wāhanga tēnei o te mōrearea e utua ai koe e te hua tāpiri kia whakaae, ā, koia te take i whakaritea ai te hua mō tētahi pūtea rāhui, kaua mō te moni whakahaere.

Coinstancy is custodial and you hold no keys, which means recovering your funds depends on Coinstancy or the contracting entity performing the withdrawal. That dependency is real and it is part of the counterparty risk above. Before you deposit, ask for the contracting entity and the wind-down provisions in the agreement, and have your counsel read them.