Savings in French Polynesia

In French Polynesia, most people keep their money in traditional bank accounts — the classic savings booklets offered by Banque de Tahiti, Banque de Polynésie, or Société Générale Polynésie. They are familiar and feel safe, but they no longer fulfill their purpose: growing your savings.

Today, the average interest rate on a savings account is around 1.7%, while inflation often exceeds 3%. In other words, money saved loses value every year.

Many Polynesians are now looking for an alternative: a stable, modern, and local solution that allows them to earn a real return without risk or complexity.

💡 That’s where Coinstancy steps in — a 100% digital platform created in Tahiti that offers 7% guaranteed annual yield, with no lockups, no delay, and interest calculated every second.

The Polynesian context: strong savings, weak returns 🌴

Saving is deeply rooted in Polynesian culture.
 Families value stability and foresight — saving to build, to educate children, or to support relatives.

But in practice, this prudence has become a financial handicap.
The main savings products offered by local banks rarely exceed 1.7% in annual yield.

Here’s a simple example:
 A household placing 1,000,000 XPF on a 1.7% account earns only 17,000 XPF per year.
But with inflation around 3%, the real purchasing power of that money shrinks over time.

Unlike mainland France, access to investment diversification — such as life insurance, financial funds, or stock markets — is still limited across Polynesia.

Meanwhile, the cost of living keeps rising: imports are expensive, housing costs increase, and wages remain stable.
As a result, people’s savings stand still while their value erodes.

💡 Polynesian savings are strong in principle — but they no longer deliver results. It’s time to change that.

The digital shift: the new era of connected savings 📱

Polynesians are more connected than ever.
 Nearly 80% of the population owns a smartphone, and online banking has become part of everyday life. Yet, no local platform currently offers modern, high-yield savings solutions.

That’s where digital finance steps in.
 Thanks to blockchain technology, people can now save using stablecoins — digital currencies pegged to the euro or dollar — without suffering the volatility of Bitcoin or Ethereum.

Coinstancy uses this innovation to create a stable and transparent savings experience, accessible anywhere in Polynesia.
Its offer is simple and powerful:

• 7% guaranteed annual return, calculated every second;
• No lockup period — funds are available anytime;
• Institutional-grade security via Fireblocks, the same system used by global banks.

And soon, with the Coinstancy MiniApp on MiniPay (Opera + Celo), Polynesians will be able to save directly from their smartphones — no app downloads, no bank appointments.

💡 Saving money is no longer about paperwork — it’s about instant access, from Tahiti to the Tuamotus.

Coinstancy: a local, stable, and profitable alternative 💎

Coinstancy isn’t a foreign company landing in Tahiti.
 It’s a Polynesian initiative, designed and built locally, with one goal: to help Polynesians grow their money safely, easily, and transparently.

Its model rests on three solid pillars:
 1️⃣ 7% guaranteed annual yield, calculated every second and credited automatically.
2️⃣ No lockups or penalties — users can withdraw their funds whenever they wish.
3️⃣ Stable, non-volatile assets, based on audited stablecoins (USDC, USDT, EURC).

Coinstancy relies on Fireblocks for institutional-grade custody, ensuring maximum security.
And because it is based in Tahiti, it operates under a unique legal framework: outside the European MiCA regulation, which currently bans stablecoin yields.

This means Coinstancy can legally provide guaranteed yields while applying global compliance standards (KYC, AML, transparency).

💡 Where banks stagnate, Coinstancy helps your money grow — simply and securely.

Conclusion: the future of savings starts in Polynesia 🌺

The world is changing, and Polynesia is ready to lead the way.
 Polynesians are connected, careful, and forward-thinking — they deserve a savings solution that matches their lifestyle.

Coinstancy is that solution: a digital, local, and secure savings platform offering 7% guaranteed yield, instant liquidity, and full transparency.

No speculation, no lockups, no volatility — just a modern way to make your money work.

💡 Coinstancy isn’t importing the future of finance — it’s building it here, in the Fenua.

Frequently asked 🤔

Why are savings rates so low in Polynesia?

Local banks follow conservative monetary policies and depend on European interest rates. As a result, traditional savings accounts average around 1.7%, while inflation often exceeds 3%. This means real returns are negative.

How can Coinstancy offer 7% guaranteed yield?

Coinstancy invests part of its liquidity into secure decentralized finance (DeFi) protocols such as Aave and Compound, then stabilizes and mutualizes returns. This allows it to guarantee a fixed 7% yield, free from volatility, while protecting capital.

Are Coinstancy’s funds secure?

Yes. All funds are safeguarded through Fireblocks, an institutional-grade custody solution trusted by major banks worldwide. Coinstancy never directly holds users’ assets, ensuring transparency and protection.

Is Coinstancy only for Polynesian residents?

No. Coinstancy is open to everyone. However, being based in Tahiti gives local residents a unique advantage — full access to stable, yield-generating savings outside European regulatory restrictions.

Can I withdraw my money anytime?

Absolutely. Withdrawals are available 24/7, with no lockups or penalties. Interest accrues continuously until the withdrawal moment.