Saving in crypto like with a savings account

The Livret A is France’s most popular savings product. Simple, safe, and accessible to everyone, it allows people to set aside money with a government-guaranteed return. But for several years now, its rate has failed to keep up with inflation. Many savers are looking for alternatives to protect their purchasing power.

This is where cryptocurrencies, and especially stablecoins, offer an interesting solution. With platforms like Coinstancy, it is now possible to save in crypto in a simple way, with attractive yields, without engaging in risky trading.

But how does this type of savings actually work? What are the advantages compared to a traditional savings account? And what risks should you be aware of before starting? 🤔

Saving in crypto: the simple principle 💡

Contrary to common belief, saving in crypto does not mean buying Bitcoin or speculating on volatile tokens. There are stablecoins, digital currencies pegged to fiat money such as the dollar or the euro. Their value remains stable, making them comparable to traditional money.

These stablecoins can be placed in savings pools. In practice, the user deposits their funds, which are then used in decentralized finance strategies to generate yield. In return, they receive annual interest, often higher than bank savings accounts.

With Coinstancy, the process is simplified. There is no need to manage complex wallets or understand technical jargon. You simply deposit your stablecoins and start earning yield.

Comparison with traditional savings accounts 📊

The Livret A has the advantage of being secure: funds are guaranteed by the French state. But its yield remains low. Even with recent increases, the rate often falls below inflation. The result: money placed there loses real value over time.

On the other hand, stablecoin savings can offer yields around 7% per year with Coinstancy. This rate is significantly higher than that of a Livret A, and it is calculated continuously. This means interest accrues daily, maximizing long-term gains.

Of course, one must keep in mind a key difference: the Livret A is backed by the state, while crypto savings rely on decentralized finance protocols. That is where a platform like Coinstancy plays a crucial role, by selecting reliable strategies and securing funds with institutional-grade solutions like Fireblocks.

Coinstancy: simplicity and yield 🔒

Many savers are intimidated by crypto because they see it as complex and risky. Coinstancy was designed to remove these barriers. The app allows users to deposit stablecoins in just a few clicks, with no technical knowledge required, and to receive stable and attractive yields.

In addition to simplicity, Coinstancy emphasizes security. Funds are stored with institutional-grade custody technology and protected against major risks. Users can withdraw their funds at any time, ensuring a flexibility similar to a savings account.

👉 For everyday individuals, Coinstancy is a modern alternative: the same reflex as putting money aside in a savings account, but with higher yields and exposure to the crypto universe.

Conclusion 🌟

The Livret A remains a safe option, but its limits are clear: low returns and loss of purchasing power due to inflation. Stablecoins and platforms like Coinstancy bring a new approach: simple, accessible savings with higher yields.

Coinstancy is not here to replace traditional savings, but to complement them. For individuals who want to diversify, protect their money, and earn attractive yields, stablecoin savings represent a unique opportunity.

💡 The Livret A for safety, Coinstancy for yield: a winning combination.

Frequently asked 🤔

Is saving in crypto really comparable to a savings account?

Not exactly. The Livret A is backed by the state and fully secure, while crypto savings rely on stablecoins and DeFi protocols. The comparison lies mainly in the simplicity and the idea of putting money aside to grow it.

What yield can I expect with Coinstancy?

Coinstancy offers yields of around 7% per year on stablecoins. This is much higher than a Livret A. Interest is calculated continuously, so gains accumulate daily.

What are the risks of saving with stablecoins?

As with any DeFi solution, there are risks: potential market volatility, technical flaws, or regulatory changes. Coinstancy reduces these risks by selecting solid strategies and securing funds with institutional-grade custody technology.

Can I withdraw my money at any time?

Yes. Unlike some bank or investment products that are locked, Coinstancy allows withdrawals at any time. This flexibility makes it comparable to a savings account, but with better yields.

Do I need to be a crypto expert to use Coinstancy?

No. That is exactly the point of Coinstancy: making crypto accessible to everyone. Users don’t need to understand technical details. The interface is simple and intuitive, designed to work like a traditional savings app.