Dollar Savings
Current fixed APY
7.50%- Min. deposit
- $10 USDC
- Withdrawals
- Anytime
- Settlement
- Within 48h
- Interest
- Every second
The APY shown is the fixed rate currently in force. It may be revised as market conditions evolve; a new rate applies to existing balances as well as new deposits.
Understand the risks →How much could you earn?
You earn
+$
Total balance
$
Per day
+$
Illustrative example at the current fixed APY of 7.50% for Dollar Savings. The APY is an annualised yield that already includes the effect of automatic reinvestment. Projection = deposit × (1 + APY)^years, assuming the current rate stays unchanged for the whole period, which is not guaranteed. Illustrative only, not a promise of future returns. Not financial advice.
Why Dollar Savings?
- Withdraw anytime, settled within 48 hours
- No lock-up period
- Interest accrues every second, automatically reinvested
- How protocol coverage works
- Minimum $10 deposit
- No Coinstancy fee on deposits or Savings withdrawals
Simple, transparent, automatic
You deposit USDC
Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies.
Advanced DeFi strategy allocation
Your USDC is put to work across selected DeFi strategies. Coinstancy monitors and adjusts the allocation as needed.
Yield accrues every second
Interest accrues every second and compounds automatically, so your balance continuously grows. You can request a withdrawal at any time.
Additional cover for selected protocol risks
Selected protocol exposures may benefit from additional coverage arranged through OpenCover, subject to the applicable policy terms, conditions, and coverage limits.
New USDC option
USDC x Tangent
Earn 12% fixed APY on USDC through advanced DeFi strategies with Tangent. Coinstancy monitors the strategies behind the rate. Interest accrues and is automatically reinvested every second. Start with $10, with no lock-up. Request a withdrawal at any time.
Current fixed APY. The rate may change with market conditions. Complete withdrawal requests are normally settled within 48 calendar hours.
Risks to know
Stablecoin risk
USDC is issued by Circle. A stablecoin can temporarily or durably lose its peg to the US dollar.
Protocol risk
The on-chain protocols used by a strategy can be affected by code bugs, exploits, oracle failures or governance incidents, which can lead to a partial or total loss.
Liquidity risk
In stressed markets, a protocol may not have enough available liquidity to process withdrawals immediately, which can delay settlement.
Network risk
Blockchain congestion, outages or fee spikes can delay transactions and confirmations.
Coinstancy may arrange additional cover for selected protocol exposures; it is not a guarantee of your deposit. How protocol coverage works · Coverage terms
Common questions
Coinstancy may arrange additional cover for selected protocol exposures. When a policy is active, it can address eligible incidents within its stated terms, limits and dates. See how protocol coverage works.
The APY shown is the fixed rate currently in force. It may be revised as market conditions evolve; a new rate applies to existing balances as well as new deposits.
Interest accrues every second and is automatically reinvested. The APY already includes the effect of this reinvestment.
You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
You can start with as little as $10 USDC, making it accessible for any investor profile.
USDC x Tangent is a USDC option available within Dollar Savings, with its own fixed rate. It is presented in a dedicated section of this page. See USDC x Tangent.