Stablecoin: why Coinstancy uses them

In the world of cryptocurrencies, stablecoins hold a unique place. Unlike Bitcoin or Ethereum, which can fluctuate sharply from day to day, stablecoins are designed to remain stable. Their value is pegged to a currency such as the dollar or the euro.

It is precisely this stability that makes them an ideal tool for saving and investing. At Coinstancy, we chose to build our products around stablecoins because they combine the best of both worlds: the flexibility of blockchain and the security of a stable value.

What is a stablecoin?

A stablecoin is a cryptocurrency designed to track the value of a fiat currency. For example:

• USDT (Tether) and USDC (Circle) track the US dollar.
• EURC tracks the euro.
• DAI (MakerDAO) is backed by multiple assets but remains close to the dollar.

The goal is simple: to provide users with a digital currency that doesn’t swing wildly like other cryptos.

👉 In practice, this means you can hold your funds without fearing a sudden price drop.

Why Coinstancy chose stablecoins

At Coinstancy, our mission is to simplify access to DeFi. That’s why we made stablecoins the foundation of our products, for three key reasons:

1. Stability and trust 💶

Stablecoins offer predictable value over time, making them a credible alternative to traditional savings accounts. You know exactly what you deposit, and you know what you can withdraw, without volatility risk.

2. Accessibility 📲

Stablecoins are easy to buy and transfer. In just minutes, a user can move from their bank account to interest-bearing digital savings through Coinstancy.

3. Attractive yields 📈

When placed in DeFi, stablecoins can generate higher returns than banks. Coinstancy selects reliable protocols to offer competitive rates (up to 7% annually), with no hidden fees.

In short, stablecoins are the perfect foundation for simple, safe, and rewarding crypto savings.

Coinstancy products built on stablecoins

Coinstancy offers several products directly based on stablecoins:

• Savings pools 💰
  Inspired by bank accounts, they allow you to deposit stablecoins and earn annual returns, with interest calculated continuously and no lockups.
• Thematic pools 🎨
  Some investment baskets include a significant portion of stablecoins to reduce risk while still gaining exposure to specific crypto sectors.
• Simplified staking 🔗
  Certain stablecoins like DAI can be staked. Coinstancy streamlines the process and manages the technical aspects for you.

These solutions let anyone, even without technical knowledge, enjoy the benefits of stablecoins.

Coinstancy vs other platforms

In Europe, the MiCA regulation now forbids licensed platforms from offering yields on stablecoins. As a result, players like Coinhouse, Meria, Paymium, or Deblock cannot provide such services.

👉 Coinstancy, based in French Polynesia, is not subject to MiCA. This means we can legally offer stablecoin yields, while French platforms are forced to stop.

That’s why Coinstancy is a true lifeline for savers who still want to grow their funds.

Concrete example: $10,000 on Coinstancy

Imagine a user deposits $10,000 in stablecoins into a Coinstancy savings pool:

• With a 7% annual yield, they can generate around $700 in passive income.
• Interest is calculated continuously, visible day by day.
• Funds remain available anytime, with no withdrawal fees.

In comparison, a traditional bank account would yield far less and impose more restrictions.

Conclusion

Stablecoins represent the future of digital savings: simple, stable, and accessible. Coinstancy uses them as the backbone of its products to provide a clear and secure experience, far from the volatility of traditional cryptos.

💡 With Coinstancy, your stablecoins don’t sleep—they work for you, every second.

Frequently asked 🤔

What is a stablecoin?

A stablecoin is a cryptocurrency pegged to a fiat currency such as the euro or the dollar. It offers the stability needed for savings without volatility.

Which stablecoins does Coinstancy use?

Coinstancy works with leading stablecoins such as USDC, USDT, and DAI. These assets are chosen for their liquidity and adoption across the crypto ecosystem.

Why can Coinstancy offer yields while French platforms cannot?

In Europe, MiCA forbids licensed platforms from offering yields on stablecoins. Coinstancy, based in French Polynesia, is not subject to this rule and can legally provide interest-bearing products.

What yields can users expect?

Coinstancy savings pools offer competitive yields of up to around 7% annually, with interest calculated continuously and no hidden fees.

Are funds locked?

No ✅. You can withdraw your stablecoins anytime. Coinstancy pools provide full liquidity and the security of Fireblocks custody.