Make your savings work harder.
Earn 7.50% APY on USDC with Dollar Savings. Withdraw anytime: complete requests are normally settled within 48 calendar hours.
Dollar Savings
USDC • Fixed APY
APY
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.
What to know about Dollar Savings
Dollar Savings
- 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.
- You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
- Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies.
Main risks
- Stablecoin riskUSDC is issued by Circle. A stablecoin can temporarily or durably lose its peg to the US dollar.
- Protocol riskThe 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 riskIn stressed markets, a protocol may not have enough available liquidity to process withdrawals immediately, which can delay settlement.
- Network riskBlockchain congestion, outages or fee spikes can delay transactions and confirmations.
Selected protocol exposures may benefit from additional coverage arranged through OpenCover, subject to the applicable policy terms, conditions, and coverage limits. How protocol coverage works
Calculate your returns
Rate used: Dollar Savings, current fixed APY 7.50%. Horizons: 1, 3 and 5 years. 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.
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Pick Dollar Savings (USDC)
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Interest accrues every second
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Frequently asked questions
Who holds my Savings funds?
Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies.
Can I withdraw my funds at any time?
Yes. There is no lock-up period and no withdrawal penalty. You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
Are returns guaranteed?
No. 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.
What are the risks?
The main risks are stablecoin risk (USDC can lose its peg to the US dollar), protocol risk (bugs, exploits or governance incidents on the on-chain protocols used), liquidity risk (withdrawals can be delayed in stressed markets) and network risk (blockchain congestion or outages). The team selects protocols after analyzing technical, liquidity, and governance risks. 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. How protocol coverage works
Which stablecoin is supported?
The supported stablecoin is USDC. Dollar Savings currently pays 7.50% APY. Within Dollar Savings, the USDC x Tangent option currently offers 12.00% APY. About USDC x Tangent
Ready to grow your savings?
Join 1,849+ users on Coinstancy. Dollar Savings currently pays 7.50% APY.
Interest accrues every second • Withdraw anytime • No lock-up