Question 1

Is there a minimum deposit?

Accepted Answer

We do not publish a fixed minimum on this page.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.

Question 2

Is there a maximum amount you accept?

Accepted Answer

Large allocations are discussed before they are opened rather than accepted automatically. Two constraints apply: the capacity of the underlying protocols, and the coverage limits of the OpenCover policy, which covers eligible funds up to 100% of their USD value subject to policy terms, limits and exclusions. If you are sizing an allocation in the millions, raise it on a call so both constraints are checked against your amount first.

Question 3

What can I deposit, and in what currency?

Accepted Answer

USD or USDC only. You can fund from a corporate bank account in dollars or send an existing USDC balance. No other asset is eligible, and there is no conversion of BTC, ETH or any other token as part of this product.

Question 4

What are the lock-up tiers, and what does each one pay?

Accepted Answer

As of September 2026: no lock pays 6.00% APY, 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.

Question 5

What is the 7% introductory rate?

Accepted Answer

It is a separate line of the rate grid: 7.00% APY for the first six months. The other lines are the standing rates by term. All of these figures are stated as of September 2026 and are not guaranteed for the future.

Question 6

How often does the rate grid change?

Accepted Answer

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.

Question 7

What happens if I need the money before the end of a locked term?

Accepted Answer

Your capital is returned and the interest accrued over the term is forfeited. There is no penalty applied to the principal. The trade is straightforward: you lose the yield you were working toward, not part of the amount you deposited.

Question 8

How fast is a withdrawal, and is there an exit fee?

Accepted Answer

Withdrawals are available within 48 hours, on the no-lock tier and when exiting a locked tier early. There is no exit fee on the principal. What an early exit costs you is the accrued interest, not a charge.

Question 9

How is the yield taxed?

Accepted Answer

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.

Question 10

How should our accountant book this?

Accepted Answer

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.

Question 11

Who holds the funds?

Accepted Answer

The funds are deployed into non-custodial DeFi protocols. Coinstancy handles the allocation and the monitoring; you hold no private keys and interact only through the dashboard. There is no Coinstancy account balance sitting between you and the protocols in the way a bank deposit sits on a bank balance sheet.

Question 12

Does that mean Coinstancy moves my funds without asking me?

Accepted Answer

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.

Question 13

Can I see where my funds are deployed?

Accepted Answer

The protocols in use are named publicly: Curve, Pendle, Balancer, Beefy, Aave and StakeDAO. The dashboard shows your balance and the yield accrued on it. The protocols page sets out why each one was selected, the criteria applied and what is excluded.

Question 14

What counterparty risk am I actually taking?

Accepted Answer

Three distinct layers, and it is worth separating them. First, Coinstancy as operator: we control the allocation and the operations behind it, so our failure is your problem. Second, the protocols: smart contract code can be wrong, and oracles and liquidations can fail. Third, the stablecoin issuer: USDC is a claim on an issuer, and a depeg is a loss of value that no protocol coverage repairs.

Question 15

Is this FDIC insured?

Accepted Answer

No. FDIC 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 coverage through OpenCover on eligible funds, for specific protocol events, up to 100% of their USD value and subject to the terms, limits and exclusions of the policy.

Question 16

What does the OpenCover policy cover, and what does it exclude?

Accepted Answer

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.

Question 17

Can withdrawals be suspended in a market stress event?

Accepted Answer

Withdrawals are available within 48 hours under normal conditions, and an exit still has to be executed on the underlying protocols. Severe market stress can affect liquidity there, and that scenario is not one of the covered events. This is part of the risk the extra yield pays you to accept, and it is the reason the product is meant for a reserve rather than for operating cash.

Question 18

What happens if Coinstancy stops operating?

Accepted Answer

This deserves a straight answer rather than a reassuring one. Your funds sit in non-custodial protocols, not on a Coinstancy balance sheet, so they are not an asset of ours to be distributed to our creditors. But you hold no keys, which means recovering them depends on the operator 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.

Wā	APY	Tūtohu
Reiti whakataki	7.00%	Ngā marama 6 tuatahi
Kāore he maukati	6.00%	Tangohia i ngā wā katoa
Maukati 3 marama	6.25%	—
Maukati 6 marama	6.40%	—
Maukati 9 marama	6.60%	—
Maukati 12 marama	6.75%	Reiti teitei rawa

Pātai Auau

E whitu ngā pātai ka pātaihia e te rōpū pūtea i te tuatahi.

Ngā moni iti rawa me te nui rawa

Ngā taumata rāhui i roto i te taipitopito

Te putanga wawe: ka whakahokia te moni whakapaipai, ka ngaro te huamoni

Te tāke me te kaute

Ko wai e pupuri ana i ngā pūtea

Mōrearea o te taha kē

Ka aha mena ka mutu te mahi a Coinstancy

Ngā tikanga i roto i te wāhi kotahi

Te papa reiti e hāngai ana ngā whakautu ki a ia

Ngā moni, ngā taumata me te putanga wawe

Te tāke, te kaute me te tiaki

Te mōrearea o te hoa rironga me te haere tonu

Where each answer is documented.

The full rate grid

Coverage and risk

KYB me te hanganga ture

Me pēhea te mahi

Te kōwhiringa kawa

He pātai tonu tāu kāore tēnei whārangi e whakautu?