How Coinstancy Pro works
From deposit to withdrawal, the full mechanism, including where the funds sit at every step.
KYB required · USD or USDC · Rates as of September 2026
Deposit
USD from your corporate bank account, or USDC from an existing balance. KYB is completed once, before the first deposit.Where the funds sitYour bank or your wallet, until the transfer settlesDetail →
Deployment
Coinstancy allocates the balance across six reviewed protocols. You never interact with a protocol and hold no keys.Where the funds sitCoinstancy custody, deployed in protocol contractsDetail →
Accrual
Yield accrues at your tier rate and shows in the dashboard. Nothing to claim, roll over or re-deploy manually.Where the funds sitCoinstancy custody, deployed in protocol contractsDetail →
Withdrawal
Request a withdrawal in the dashboard. Positions are unwound and funds are available within 48 hours.Where the funds sitBack to your bank or your walletDetail →
The short version
- Two eligible assets in: USD or USDC. KYB (Know Your Business verification) is completed once, before the first deposit is deployed.
- Coinstancy allocates the balance across six reviewed protocols. You hold no keys and never touch a protocol.
- The tier picked at deposit sets the rate: 6.00% APY (annual percentage yield) with no lock, up to 6.75% at twelve months, and 7.00% for the first six months.
- Withdrawals are available within 48 hours of the request, on any tier.
- Leaving a locked tier early returns the principal in full and forfeits the accrued interest. This is not FDIC insured (Federal Deposit Insurance Corporation).
Step 1: Deposit in USD or USDC
Two eligible assets, one compliance step, one decision to make: which tier you want.
What the deposit involves
What it does not involve
USD and USDC take slightly different routes
The product is denominated in dollars either way. A USDC deposit is used as it arrives. A USD deposit is converted into USDC before anything is deployed, because the protocols on the other side settle in stablecoins, not in bank money. Either route ends in the same place, and either route can be reversed at withdrawal: you choose whether the funds come back as USD or as USDC.
KYB happens once, before the first deposit is deployed, and it applies to the company rather than to an individual. The compliance page lists the documents by entity type and the realistic timelines.
Step 2: Deployment across selected protocols
The balance is put to work across six DeFi (decentralized finance) protocols Coinstancy has reviewed and monitors. This is the step that produces the yield, and the step that carries the risk.
Coinstancy is the custodian
Your funds first enter a secure multisignature wallet operated by Coinstancy, then are deployed into the selected protocols. Coinstancy manages the allocation and the monitoring; you hold no keys and interact only with the dashboard.
You never touch a protocol
No wallet to configure, no bridge to operate, no position to rebalance. The operational surface stays on our side.
Allocation is reviewed, not static
Protocols are selected against published criteria and monitored on an ongoing basis, with defined exit conditions.
Curve 
Pendle 
Balancer 
Aave Coinstancy is custodial: the funds are held in a multisignature wallet it operates and no private key sits with you. Once deployed, they are also exposed to smart contract behavior on each protocol, which is precisely the exposure the OpenCover policy is written against. What the policy covers, and the long list of what it does not, is set out on the coverage page.
Step 3: How yield accrues
The tier you chose at deposit sets the rate. Accrual runs on its own and shows in the dashboard. There is nothing to claim and nothing to roll over by hand.
Where the yield comes from
Lending and liquidity provision on established DeFi protocols, not a promotional subsidy funded by new deposits. That is why the number is defensible in a treasury committee, and also why it is not a guaranteed return. A bank rate is a promise from a balance sheet; this one is the output of positions that can behave differently in a bad month.
What accrual does not do
Accrued interest is not principal. It is the part you forfeit if you leave a locked tier before term, and it is the part the coverage does not restore: yield below the advertised rate is an explicit exclusion from the OpenCover policy. Interest also has a tax and accounting treatment that is yours to determine with your advisors.
Step 4: Withdrawal within 48 hours
Withdrawals are available within 48 hours of the request. That window is the honest number, and it is the reason this belongs in a reserve rather than in an operating account.
Request
Any timeSubmitted from the dashboard, at any time, for any amount up to your balance.
Unwind
Positions in the underlying protocols are closed for the requested amount.
Settlement
Within 48 hoursFunds are returned in USD or USDC, available within 48 hours of the request.
Forty-eight hours is not same-day
The delay exists because positions have to be closed before dollars can move. A payroll run, a tax payment or a supplier settlement due tomorrow morning should not depend on this balance. The standard allocation is the portion of treasury you have already identified as untouched for a quarter or more, with operating cash left where it can be spent the same day.
On a locked tier, a withdrawal before term is still available within the same window. It is simply treated as an early exit, which changes what you get back.
What early exit actually means
Capital is returned. Accrued interest is forfeited. There is no penalty on the principal.
What you keep
What you give up
The comparison worth running is not lock against no lock in the abstract. It is the extra yield of the longer tier against the probability you need the money early.
Take a $500,000 allocation on the 12-month tier at 6.75% APY. Exiting after nine months returns the $500,000 in full and forfeits roughly $25,300 of accrued interest, on a simple-interest basis before tax. Had the same balance sat on the no-lock tier at 6.00% for those nine months, the accrual would have been around $22,500, and it would have been kept. The lock is worth taking when the horizon is genuinely firm, and not otherwise.
Illustration only, computed from the published grid as of September 2026 on a simple-interest basis, before tax and before any change in the underlying rates. Your own figures are the ones that decide it: run them through the calculator.
Where your funds sit at each step
The question a finance team asks first, answered line by line: what is holding the money, who can move it, and whether the coverage applies at that moment.
| Step | Where the funds sit | Who can move them | Coverage |
|---|---|---|---|
| Before the deposit clears | Your corporate bank account or your own wallet | You | Outside the policy: nothing is deployed yet |
| Deployed | Contracts on the selected protocols, through the Coinstancy multisignature wallet | Coinstancy, as custodian, directs the allocation | OpenCover, listed protocol events on Sensitive Protocols defined by Coinstancy, per policy terms |
| Accruing | Same contracts: accrual does not move the principal | Coinstancy, as custodian, directs the allocation | OpenCover, listed protocol events on Sensitive Protocols defined by Coinstancy, per policy terms |
| Unwinding a withdrawal | Positions being closed, then routed for settlement | Coinstancy operates the unwind | The policy covers listed protocol events, not settlement timing |
| After settlement | Your corporate bank account or your own wallet | You | Outside the policy: the funds have left the product |
Funds are covered by OpenCover on Sensitive Protocols defined by Coinstancy, subject to the policy terms, limits and exclusions. It is not FDIC insurance and does not behave like it: it responds to the protocol events named in the policy, not to every way a balance can lose value. The exact scope sits on the coverage page, and the custody questions are answered again in the FAQ.
What happens in a market stress event
Three scenarios get asked about in every diligence call. Two of them are not covered, and it is better to know which before the deposit than after.
Smart contract code bugs and errors are among the events the OpenCover policy is written for, on Sensitive Protocols defined by Coinstancy and subject to the policy terms, limits and exclusions. So are oracle manipulation or failure, liquidation failure, and malicious governance takeovers.
Not covered. A depeg of the underlying stablecoin is an explicit exclusion. If the asset you hold trades below a dollar, that loss is yours, and no coverage restores it.
Not covered either. The rates are the terms of the product, not a guaranteed return, and yield below the advertised rate is excluded from the policy. Rates are dated and published, and the grid above is the one in force as of September 2026.
The risks that stay with you
This product has no FDIC insurance, and nothing in the mechanism above creates a deposit guarantee. A depeg of the underlying stablecoin, a return below the published grid, and any loss falling outside the events named in the policy remain yours. Protocol selection, ongoing monitoring and the coverage reduce a specific class of exposure; they do not remove market risk, and no allocation to this product should assume they do.
Sources and further reading
The figures and claims on this page rest on the documents below. Time-sensitive figures (rates, yields, fees, market data) move: check the live value at the source before acting on it.
- OpenCoveropencover.com
The coverage provider named on this page. The binding scope, limits and exclusions are in the policy documents provided at onboarding.
- Curve documentationdocs.curve.finance
Official documentation for Curve, one of the six protocols funds are deployed across.
- Pendle documentationdocs.pendle.finance
Official documentation for Pendle, one of the six selected protocols.
- Balancer documentationdocs.balancer.fi
Official documentation for Balancer, one of the six selected protocols.
- Beefy documentationdocs.beefy.finance
Official documentation for Beefy, one of the six selected protocols.
- Aave documentationdocs.aave.com
Official documentation for Aave, including how lending, oracles and liquidations work.
- StakeDAO documentationdocs.stakedao.org
Official documentation for StakeDAO, one of the six selected protocols.
- FDIC, deposit insurancefdic.gov
What FDIC deposit insurance covers at insured banks. This product is not a bank deposit and is not FDIC insured.
Last reviewed: September 2026. External links open in a new tab; Coinstancy is not responsible for their content.
Request access, or ask the hard questions first.
Open an account directly. If your finance team needs the coverage terms and the KYB requirements before that, our team can answer through the contact page.