Diversifying business cash management in Tahiti

In French Polynesia, one major issue unites almost every business: cash that sits idle.
Between slow banking processes, low interest rates (around 1.7% on term deposits), and inflation quietly eroding value, managing liquidity efficiently is a daily challenge.

But a new local solution has emerged.
 Born in Tahiti, Coinstancy offers businesses a way to turn passive funds into active savings earning 7% per year — with no lockup, no volatility, and full liquidity, all while staying within Polynesia.

💡 A simple, legal, and 100% digital way to make business cash work harder.

The problem: sleeping cash 🏦

Across the islands, most companies keep their working capital and excess cash on current accounts — often for months.
 Between supplier payments or seasonal cycles, this money earns nothing.

Traditional options exist — but they’re limited.
 Term deposits and savings accounts offer barely 1.5% to 2%, often with funds locked for months.
Meanwhile, inflation quietly eats away at purchasing power.

For local SMEs, hotels, and entrepreneurs, investing is rarely an option. The stock market is distant, financial products are complex, and access to yield remains centralized in France.

That’s where Coinstancy steps in — a Polynesian solution designed to make business cash productive, without leaving the islands.

Coinstancy: the local solution for efficient treasury management 💎

Coinstancy isn’t a speculative platform — it’s a digital savings tool built for businesses that value clarity, safety, and liquidity.

Companies can deposit part of their treasury into the Pool DOLLAR, powered by stablecoins such as USDC, backed 1:1 by the U.S. dollar.
These funds generate a guaranteed 7% annual yield, calculated every second and paid in real time.

No lockups. No trading. No hidden risks.
 Your business keeps full control and can withdraw funds anytime, instantly.

💡 For Polynesian companies — hotels, service firms, shops, startups — Coinstancy offers the first real alternative to idle cash sitting in the bank.

Security is handled by Fireblocks, the same custody system used by top global banks, ensuring institutional-grade protection.
Every transaction is recorded on the blockchain, giving full transparency and traceability.

Coinstancy also applies strict KYC/AML procedures, aligning with international compliance standards while operating under local law.

Why Tahiti chooses Coinstancy 🌺

Coinstancy is local by design.
Based in Papeete, the platform was built by Polynesian entrepreneurs who understand the region’s financial challenges — slow bank processes, limited access to investment products, and growing inflation.

While European companies are now restricted by the MiCA regulation, which bans yield on stablecoins, Coinstancy benefits from French Polynesia’s autonomous legal status.
That means it can legally offer stablecoin-based yield products while maintaining full transparency and compliance.

Coinstancy’s model perfectly fits Polynesian realities:

• Local SMEs can make their cash reserves grow while keeping liquidity available;
• Startups can earn stable yield on raised capital while waiting to deploy funds;
• Hotels and service companies can place excess liquidity without locking it;
• Independent professionals can grow their working capital with no banking constraints.

💡 Coinstancy brings a modern, simple, and Polynesian approach to treasury management.

A new era for Polynesian business finance ⚖️

For decades, managing business cash in Tahiti meant choosing between zero yield or long-term lockups.
Today, thanks to Coinstancy, that’s changing.

With a fixed 7% annual return, updated every second, companies can now make their treasury grow without immobilizing their funds.
Withdrawals are instant, transparent, and penalty-free.

It’s more than a savings tool — it’s a new approach to liquidity management, built locally and designed for Polynesian businesses.

This is the first solution combining blockchain transparency, institutional security, and local compliance, all in a platform as easy to use as a banking app.

💡 Coinstancy is helping Polynesian companies move from static savings to active, smart, and secure treasury management.

Frequently asked 🤔

Is Coinstancy suitable for businesses?

Yes. Coinstancy allows companies to place part of their treasury and earn 7% yearly interest, with no lockup or risk. It’s flexible, compliant, and designed for modern treasury management.

Are the funds secure?

Absolutely. All funds are stored using Fireblocks, the same custody technology trusted by global banks. Every transaction is recorded on the blockchain for full traceability.

Can businesses withdraw funds anytime?

Yes. Coinstancy offers full liquidity — no lockups, no waiting time, no penalties. Withdrawals are processed instantly, 24/7.

Is it legal in Tahiti?

Yes. French Polynesia has its own autonomous legal framework, separate from the European Union. Coinstancy operates legally under this jurisdiction while applying international KYC/AML standards.

Who uses Coinstancy today?

A growing number of SMEs, startups, hotels, and independent professionals in Tahiti are already using Coinstancy to earn stable yield and optimize their treasury management.