Interest is earned by depositing funds on industry leading money markets through our network of partners. Unlike traditional savings accounts, interest is compounded every day to maximize the growth of your savings.

Stablecoins money markets are over-secured as borrowers are required to deposit more than they borrow, meaning your savings are backed by more than 100% of their value.

Note that stablecoins money markets are not a security or bank deposit.

The protection of your account is our top priority. These are some of the measures we use to keep your money safe:

• Your Earn Account deposits are secured by high-quality collateral, ensuring your savings are backed by more than the amount borrowers receive.
• You can enable biometric verification to ensure that nobody except you access your account.
• You can enable two-factor authentication for sensitive actions, such as making withdrawals.
• Our withdrawal whitelist feature provides added security by allowing transfers only to addresses you've pre-approved.

Rand is free to use. There are no minimums and no lock-up periods. Rand does not earn money from user fees, the only fees you may see come from third-party providers.

Traditional high-yield savings accounts (HYSA) in Europe usually offer returns close to the overnight rates set by central banks, which remain relatively modest. In contrast, Rand provides access to the leading stablecoin money markets that can deliver significantly higher yields.

On top of this, Rand offers non-correlated returns that do not move in line with traditional stock or bond markets, allowing you to benefit from the broader digital-asset economy without needing to hold cryptocurrencies directly.

Yes, we don't force you to lock up capital. You can deposit and withdraw whenever you want.

Rand has never had negative returns. This is because all lending markets connected by Rand are over-collateralized, meaning there is always more collateral than the value of assets being lent out, which protects depositors from losses. Your returns come from lending activity rather than crypto price speculation, providing more predictable yields that are insulated from crypto-market volatility.

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.