Gold Savings
Current fixed APY
1.10%- Min. deposit
- $100 USDC
- Withdrawals
- Anytime
- Settlement
- Within 48h
- Interest
- Every second
The APY shown is the fixed rate currently in force. It may be revised as market conditions evolve; a new rate applies to existing balances as well as new deposits.
Understand the risks →How much could you earn?
You earn
+$
Total balance
$
Per day
+$
Illustrative example at the current fixed APY of 1.10% for Gold 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 Gold Savings?
- Gold price exposure
- Gold-denominated yield
- Withdraw anytime
- Minimum $100 deposit
- Tether Gold (XAUT) backed
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. Your USDC is converted into XAUT (Tether Gold) and supplied to DeFi lending markets that accept gold-backed collateral.
Lending yield on gold
Coinstancy supplies your XAUT to selected DeFi lending markets, where it can earn yield.
Gold price exposure maintained
Your yield is denominated in XAUT, so your position follows the gold price, up or down.
Withdraw anytime
You can request a withdrawal back to USDC at any time. Complete 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.
Market risk
When a pool holds an asset other than a dollar stablecoin, its value in US dollars moves with the market price of that asset and can fall. Yield does not offset a price drop.
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
Tether Gold (XAUT) is a digital token issued by Tether, where each token represents one troy ounce of physical gold held in Swiss vaults. It's the most liquid tokenized gold product in crypto.
Yes, your deposit and yield are both denominated in XAUT. Your portfolio value follows the gold price, up or down.
You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
$100 worth of XAUT at current market price.