Flexible terms you can exit at any time
Wealth
Idle balances should be doing something
Money that sits still loses to inflation quietly. Earn products let you put cash, stablecoins and tokenised gold to work on terms you can read in full before you commit — with the rate published, the accrual visible daily and the exit conditions stated plainly.
Fixed terms for a higher published rate
Interest accrued and shown daily
Flexible when you might need it back
Flexible terms accrue daily and can be exited at any time, with the balance and accrued interest returning to your main account. They suit working capital and reserves you cannot lock away.
Interest is shown as it accrues rather than at the end of the period, so the position is never a black box between statements.
Fixed terms for a higher published rate
Fixed terms pay a higher rate in exchange for a commitment window. The rate, the window and any early-exit treatment are shown on the same screen before you confirm.
Terms can be laddered so that part of the balance matures regularly, which keeps liquidity available without giving up the fixed rate on the rest.
What you are taking on
Earn products are not deposits and are not covered by deposit guarantee schemes. Returns depend on the underlying strategy and rates can change for new subscriptions.
The risk disclosures set out the counterparty and market risks in full; read them before subscribing, particularly for fixed terms.
Getting started
How it works
- 01
Choose
Pick a flexible or fixed term and review the published rate.
- 02
Subscribe
Allocate from an existing balance; nothing needs to leave the account.
- 03
Track
Watch interest accrue daily and withdraw or roll over at maturity.
Questions
Earn on idle balances: common questions
- How is interest calculated?
- Interest accrues daily on the subscribed balance at the published rate for that product and is shown in the client panel as it accrues, rather than only at the end of the term.
- Can I withdraw early?
- Flexible terms can be exited at any time with accrued interest. Fixed terms carry a commitment window, and any early-exit treatment is stated on the subscription screen before you confirm.
- Which assets can earn?
- Cash balances, major stablecoins and tokenised gold are supported, with the rate published per asset and term. Availability by asset is shown in the client panel.
- Is this the same as a savings account?
- No. Earn products are not deposits, are not covered by deposit guarantee schemes, and returns are not guaranteed. The risk disclosures describe the counterparty and market risks in full.
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