Digital finance in French Polynesia

French Polynesia is quietly stepping into a new financial era.
For years, managing money meant standing in line at a bank, waiting several days for a transfer, and paying high fees for basic services. But today, a new connected generation wants more simplicity, more freedom, and better returns.

That’s where Coinstancy, born in Tahiti, comes in — aiming to become the driving force of Polynesian digital finance.
With a guaranteed 7% annual yield, interest paid every second, and withdrawals available anytime, the platform is redefining what saving means for local residents.

💡 Coinstancy isn’t importing the future of finance to Tahiti — it’s building it right here, locally.

A solid banking system, stuck in the past 🏦

Traditional banks like Banque de Tahiti, Banque de Polynésie, and Société Générale Polynésie have long been pillars of the local economy. Yet their systems remain slow, centralized, and outdated.

A simple island-to-island transfer can still take two business days to process. Fees remain among the highest in the Pacific region. And opening an account or accessing a real investment product often means a long, paper-heavy process.

Meanwhile, most Polynesians — especially the younger generation — live on their smartphones. They pay, shop, and communicate online, but financial services haven’t caught up.
This gap between digital habits and financial tools creates frustration and lost opportunities.

Coinstancy bridges that gap. It’s a simple, fast, and local solution that gives everyone direct control over their savings — no banks, no waiting, no complexity.

When blockchain reaches Tahiti 🌴

Blockchain is no longer a distant concept reserved for global tech hubs. In French Polynesia, it’s gradually becoming part of everyday life, driven by a young and connected population.

This technology makes financial transactions instant and transparent, removing the need for costly intermediaries. Where a bank transfer takes two days, a blockchain transaction takes just a few seconds. Every operation is traceable, secure, and verifiable.

The problem was accessibility. For most people, crypto still meant complicated wallets, private keys, and confusing interfaces.

Coinstancy chose a different path — it hides the complexity and focuses on what really matters.
 Through a clear and intuitive interface, users can simply deposit euros, Pacific francs, or stablecoins, and their money immediately starts earning a guaranteed 7% yearly yield, paid every second.

There’s no need to manage cryptocurrencies or understand DeFi protocols. Everything runs automatically in the background.
 Users can literally watch their savings grow second by second, with no lockups, no delays, and full liquidity.

💡 It’s the power of blockchain, tailored to the Polynesian way of life.

Coinstancy: local, stable, and high-performing 💎

Based in Papara, Coinstancy is more than just another crypto startup — it’s a local initiative designed for the Pacific context.
Its goal is to make modern financial tools accessible, without the complexity or limitations of traditional systems.

The platform is built around three key values:

• Simplicity – Anyone can deposit, track, and withdraw funds instantly.
• Security – Assets are stored with Fireblocks, the same custody technology used by global banks.
• Performance – A fixed, guaranteed 7% annual yield, calculated every second, with no volatility or speculation.

Unlike European platforms restricted by the MiCA regulation, Coinstancy operates under Polynesian sovereignty. This means it can legally offer stablecoin-based yields, fully compliant with local standards, while staying open to global innovation.

💡 In short, Coinstancy combines the best of both worlds: traditional stability and digital performance.

A new financial vision for Polynesia 🌺

Coinstancy isn’t just offering a savings product — it’s promoting a vision of financial independence.
In a region where access to investment tools is limited, the platform empowers everyone — from students to entrepreneurs — to make their money grow safely and transparently.

Families can save without fear of inflation. Young people can start earning passive income directly from their phones. Entrepreneurs can manage liquidity without waiting days for a transfer.

This is a financial revolution made in Polynesia, designed for Polynesians.
No more distance between people and their money. No more slow systems or impossible paperwork.

With Coinstancy, finance becomes faster, fairer, and more human.
The future isn’t happening somewhere else — it’s already here, on the islands.

💡 Thanks to Coinstancy, Polynesia is not watching the global financial revolution — it’s part of it.

Frequently asked 🤔

Is Coinstancy a Polynesian company?

Yes. Coinstancy is based in Papara, designed and managed by a local team. It operates under Polynesian jurisdiction, focusing on developing financial inclusion and digital innovation across the Pacific.

Are my funds safe with Coinstancy?

Absolutely. All funds are protected by Fireblocks, the institutional-grade custody system trusted by international banks. No manual handling, no third-party access — full security at every level.

Is the 7% yield really guaranteed?

Yes, 100%. The rate is fixed, stable, and guaranteed at 7% per year, calculated and distributed every second. There’s no speculation, no volatility, and no hidden conditions.

Can I withdraw my money anytime?

Yes. There’s no lockup, no waiting time, and no withdrawal limits. You remain in control of your funds 24/7, with instant access and zero penalties.

Why isn’t Coinstancy subject to MiCA?

Because French Polynesia has its own legal framework and is not under EU jurisdiction. This allows Coinstancy to offer stablecoin-based savings products legally, unlike platforms operating in Europe under MiCA restrictions.