Idle cash should
earn like a reserve.
Deposit USD or USDC. Earn 6.00% with no lock-up, up to 6.75% at twelve months. Withdraw within 48 hours.
One view of the whole allocation.
Product interface. Figures shown are illustrative.
Rates
Full rate card →Annual percentage yield, as of September 2026. Rates are variable and not guaranteed.
Three steps, then it runs.
Complete the KYB
Registration documents, beneficial owners, signatories. Once, before the first deposit.
Fund and choose a term
Wire USD from your corporate account or send USDC. Pick a lock-up, or none.
Track it, withdraw in 48 hours
Interest accrues daily and shows in the dashboard. Exits settle within 48 hours.
Built the way a treasury desk already works.
Segment the reserve you will not touch this quarter. Leave operating cash at the bank.
Yield comes from lending and liquidity on established DeFi protocols that we review and monitor. You never touch a protocol and hold no keys.
Eligible funds are covered through OpenCover for specific protocol events, up to 100% of USD value. It is not a bank deposit and it is not FDIC insured.
One KYB before the first deposit. Statements and exports for your accountant. Withdrawals available within 48 hours.
We would rather show you where the yield comes from than quote a number and stop there.
Your funds are deployed across DeFi protocols we review and monitor: Curve, Pendle, Balancer, Aave and others. The rate moves with the market, so we publish it with a date and we say what can go wrong.
See the protocol selection →Inside the account
Book a walkthrough →Terms
Pick the lock-up, see the rate and the projected interest before you confirm.
Monitoring
See exactly which protocols hold your funds, and in what proportion, at any time.
Reporting
Monthly statements and CSV exports your accountant can reconcile without asking you.
Product interfaces. Figures shown are illustrative.
Against the alternatives.
| Criterion | Coinstancy Pro | Business savings | Money market fund |
|---|---|---|---|
| Indicative yield | 6.00 – 6.75% | 0.5 – 2% | 4 – 5% |
| Access to funds | 48 hours | Same day | 1 – 2 days |
| Minimum term | None | None | None |
| FDIC insured | No | Yes, to limits | No |
| Loss coverage | OpenCover, per policy | FDIC, to limits | None |
| Yield source disclosed | Yes, per protocol | No | Partially |
Indicative figures for comparison, as of September 2026. Bank and fund rates vary by institution and balance. Coinstancy Pro is not a bank deposit and carries no FDIC insurance.
What OpenCover does, and does not, cover.
- Smart contract bugs and code errors
- Oracle manipulation or oracle failure
- Liquidation failure
- Malicious governance takeovers
- Depeg of the underlying stablecoin
- Yield below the advertised rate
- Losses outside the listed protocol events
- Anything excluded by the policy terms
The terms, in full
This is not a bank deposit and carries no FDIC insurance. Rates are variable and not guaranteed. If your treasury policy bars smart contract exposure, or you need same-day access to the full balance, this product is not the right fit.
Frequently asked questions
The yield comes from lending and liquidity provision on established DeFi protocols, not from a promotional subsidy. That also means it is not guaranteed and carries risks a bank deposit does not. The <a href="/pro/protocols/" class="text-blue-600 hover:underline">protocol selection page</a> sets out where the yield originates.
No. FDIC insurance applies to bank deposits and does not apply here. Eligible funds are instead covered through OpenCover for specific protocol-related events, up to 100% of their USD value and subject to policy terms, limits and exclusions. The <a href="/pro/security/" class="text-blue-600 hover:underline">coverage page</a> lists what is and is not included.
Withdrawals are available within 48 hours. If you are on a locked tier and exit early, your capital is returned and the accrued interest is forfeited. There is no penalty on the principal.
Funds are deployed into non-custodial DeFi protocols. Coinstancy manages the allocation and the monitoring; you hold no private keys and interact only with the dashboard.
Company registration documents, beneficial ownership information and identification for signatories. The <a href="/pro/compliance/" class="text-blue-600 hover:underline">compliance page</a> lists what is required by entity type, with realistic timelines.
That is the intended use. Most companies allocate the reserve portion already identified as untouched for a quarter or more, and leave operating cash at the bank.
Request access, or ask the hard questions first.
Open an account directly. If your finance team needs the coverage terms first, a call is faster.