Idle cash should earn like a reserve.
Cover applies only to Coinstancy-defined Sensitive Protocols, subject to policy terms and limits.
Product interface. Figures shown are illustrative.
No lock-up at 6.00%, or lock part of the reserve for a higher rate.
Annual percentage yield, as of September 2026. The APY is fixed and may be adjusted as market conditions evolve.
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.
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: Curve, Pendle, Balancer, Aave and others. You never touch a protocol and hold no keys.
Funds are covered by OpenCover on Sensitive Protocols defined by Coinstancy, subject to the terms of the cover. It is not a bank deposit and it is not FDIC insured.
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 APY is fixed and may be adjusted as market conditions evolve, so we publish it with a date and we say what can go wrong.
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.
| 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 | Sensitive Protocols only, per policy terms and limits | 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.
This is not a bank deposit and carries no FDIC insurance. The APY is fixed and may be adjusted as market conditions evolve. 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 carries risks a bank deposit does not. The APY is fixed and may be adjusted as market conditions evolve.
No. FDIC insurance applies to bank deposits and does not apply here. Funds are instead covered by OpenCover on Sensitive Protocols defined by Coinstancy, for specific protocol-related events, subject to policy terms, limits and exclusions.
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.
Coinstancy is custodial. Your funds first enter a secure multisignature wallet operated by Coinstancy, then are deployed into the DeFi protocols we select and monitor. You hold no private keys and interact only with the dashboard.
Company registration documents, beneficial ownership information and identification for signatories. It is completed once, before the first deposit.
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.
Put your idle cash to work.
Open an account, complete the KYB once, and choose the term that fits your reserve.