Earn up to 6.00% on your savings

Rand gives businesses and individuals stable yield accounts to help them grow their capital.
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Rand is a financial technology company, not a bank. Banking services are provided by Pecunia Cards. See your applicable agreement here.
0.6% APY*
NATIONAL AVERAGE
UP TO
6.00
%
APY
RAND EARN ACCOUNT
Earn 10x
more with Rand
Up to $500M insurance on assets by
Up to $500M insurance on assets by
Regulated and compliant since
Rand is a financial technology company, not a bank. Banking services are provided by Pecunia Cards. See your applicable agreement here.

We help you grow your capital through innovative and stable yield accounts

Rand's mission is to facilitate novel lending opportunities by creating a single global lending platform, fueled by distributed ledger technology.
Open a Rand account and get a free Spanish IBAN
Earn up to 6.00% APY on your savings
Deposit and withdraw anytime you need
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Start earning in 3 easy steps

Download Rand
Click get started and scan the code to download the App
Get verified
Sing up and verify your identity in less that 5 min. EU citizens only**
Start earning
You will start earning yield right after your first deposit!
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RAND EARN ACCOUNT

Unique savings.
Significantly better

Earn up to 6.00% more on your savings with a stable APY delivered through our blockchain staking partners.
Withdraw anytime, no lock-up periods
No caps on your earnings
Interest paid daily, day after day
Up to $500M insurance through our partners.

Become an affiliate

Earn 20% of all the earn interest for each invited user within 12 months. Learn more
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Bring a friend and earn 20€

Once your friend generates 10€ in earnings within Rand, each of you will receive 20€. Learn more
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OUR PRINCIPLES

Security-first approach

Insurance for your peace
WE ARE INSURED BY:
Insurance for your peace
We have partnered with Copper to offer a safe experience on the custodied assets through an insurance covering up to $500M.
Learn more
Completely compliant
Rand is a company registered as official custodian and exchange by the Bank of Spain. Our registered number is D697.
Check registration
Transparent and verifiable
Transparency is a core pillar for us, which is why we offer a monthly report for you to independently track fund deployment.
Check report
Insurance for your peace
WE ARE INSURED BY:

Accounts for you and your company

High performing companies need high performing high yield accounts. Open your new high yield business account today.
Explore Rand for Business
TESTIMONIALS

“After using Rand I’m confident that I will be able to have a better retirement than just leaving the money in the bank”

Marc PĂ©rez
TESTIMONIALS

“With Rand, my savings are finally working for me. It's reassuring to know I'm on track for a more secure future”

Javier LĂłpez
TESTIMONIALS

“Rand transformed my approach to saving. Seeing my funds grow has been incredibly motivating and reassuring”

Ricardo Torres
RESOURCES

Relevant articles

About Rand
How does Rand Protect my money?
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Updates
Over $750,000 transacted in the first 15 days of $RND
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Updates
Rand partners with Copper to insure digital assets
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Join today and start earning 6.00% APY

+25k
Registered users
+€30M
Transacted volume
$500M
Custody insurance
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FAQs

Questions? Answers

How does Rand generate yield?
At Rand, we've revolutionized the traditional savings account to offer you a way to earn more on your savings compared to conventional accounts. Instead of relying on old-fashioned methods like investing in government bonds, we harness the power of blockchain technology. Think of blockchain as a sophisticated, digital method for transferring and saving money that's not only faster but also less expensive than using traditional banks’ infrastructure.
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Upon depositing funds into the Earn or Prize account, your capital is strategically allocated to delegate liquidity for the validation of blockchain transactions across distributed ledgers. Acting as "validators," our role involves verifying and confirming capital movements to ensure the continuous accuracy of the ledger. Every time a transaction occurs on a blockchain, a nominal fee is incurred. As a reward for maintaining the ledger's integrity, we, in turn, receive a portion of these fees. The majority of this revenue is returned to you, as your savings contribute to the smooth operation of the blockchain. The rest of the revenue is retained by Rand to cover operational costs and remain profitable.
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We ensure this entire process is secure and reliable by partnering with trusted companies specializing in blockchain security and operations. Moreover, your capital is deployed in a manner that neutralizes market risks and volatility. Thus, your funds are shielded against potential price fluctuations in blockchain assets.
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This innovative approach enables you to earn more on your savings without needing to understand the complex details of blockchain technology. With your help, we are changing the landscape of high-yield savings accounts from being fueled by traditional investments to being powered by the maintenance of new, efficient financial technologies.

For those curious about the specifics of how validators work and the concept of staking, we encourage you to explore our blog. Our monthly transparency report is also available for those interested in gaining a deeper insight into our operations and how they enhance high-yield savings.

How is my money protected?
At Rand, we understand the critical importance of security and trust. Our commitment to these values is unwavering and is the cornerstone of our operational ethos. Here's how we embody these principles:

Compliance and Regulation

Rand takes pride in the adherence to the highest standards of compliance and regulation. We have been granted Custodian and Exchange registrations by the Bank of Spain, signifying our commitment to operating within the stringent confines of European regulatory requirements.

Custody of Assets

To provide a secure environment for your assets, Rand has forged a strategic partnership with Copper. This collaboration brings to our clients a robust specie market-based insurance policy provided by the esteemed Lloyds of London, covering up to $500 million of all assets held in Copper’s ClearLoop. This substantial insurance guarantees a secure and reliable custody solution for your assets, giving you peace of mind.
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Protection of Your Data and Credentials

Rand employs state-of-the-art security measures to safeguard your account. These include two-factor authentication (2FA), biometric identification, and confirmation processes for withdrawals, ensuring that access to your account is tightly controlled and your data remains protected. Furthermore, we have a dedicated team of security experts available 24/7 to assist you with any concerns or needs.
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We are committed to continuously improving our security strategies and practices to ensure that your experience with Rand is not only safe but also exceeds all your expectations.
Can I open an account for my business?
Absolutely! We invite you to visit our Business Account page and complete the sign-up process. Once you've registered, our team will reach out to you within a few days to begin the onboarding process for your company. This is your opportunity to extend your financial runway and leverage your company's treasury to work harder.
Is the Earn account completely flexible?
Absolutely! Our accounts are designed with flexibility and convenience in mind, offering a completely commission-free experience. This means you can make deposits and withdrawals to the Earn account at any time without incurring any associated costs. Our goal is to ensure that managing your finances with us is as straightforward and cost-effective as possible, giving you the freedom to move your funds as you need.
Where is Rand available?
Rand is currently available in Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

We are continually working to expand our presence and bring the benefits of Rand to even more countries. Stay tuned for updates on our expansion efforts.
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