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Our members rely on Rand to build long term wealth.
Start earning up to 5.50% APY on your savings.

Our members rely on Rand to build long term wealth. Start earning a 5.50% APY on your savings.

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+10K

Trusted clients

+3M€

Assets managed

4.2 ★

Apple App Store

%

5.50

APY on savings

As featured on

EARN ACCOUNT

Earn 5.50% APY

Designed to earn a higher yield than a regular savings account by connecting you with real yields from proof of stake blockchains.

No account fees

Withdraw anytime

No funding limits

Learn more

5% annual bonus. Earn 50x faster savings than with your average bank.

No account fees

No maximum balance

Learn more

+30 M€

Total volume traded

24

Countries available

+4 M€

Assets under management

Rand App lifestyle photo shooting.

It's payday!

You earned 52,00€ in interest

Now

You've won a Prize!

Congrats! You just won 150,00€

Now

Your security as our priority

Registered in the Bank of Spain↗

Rand is a financial technology company registered in the Bank of Spain with number of register D697

Protection for your peace

The full value of your Rand checking account is safeguarded in line with the Electronic Money Regulations

Relentless security

Rand's secure processes safeguard your information to help prevent unauthorized use

Legal disclaimer: The registration does not imply any approval or verification of the activities carried out by the providers of virtual currency-to-fiat currency exchange services and electronic wallet custody services by the Bank of Spain. Your Earn Account is powered by USDT, and investment in cryptoassets is not a regulated activity. It may not be suitable for retail investors and the entire amount invested may be lost. It is important to read and understand the risks, which are explained in detail here.

Legal disclaimer: The registration does not imply any approval or verification of the activities carried out by the providers of virtual currency-to-fiat currency exchange services and electronic wallet custody services by the Bank of Spain. Your Earn Account is powered by USDT, and investment in cryptoassets is not a regulated activity. It may not be suitable for retail investors and the entire amount invested may be lost. It is important to read and understand the risks, which are explained in detail here.

Questions? Answers

What is the Earn Account?

The Earn Account is a high yield investment account designed to provide you with a safe and reliable product to grow your savings. With a competitive 5.5% annualized yield on your investment, it ensures a hassle-free and secure way to benefit from compound interest. Let's explore the details:

When you make a deposit into the Earn Account, your funds are put to work to generate an attractive return on your investment. Our team of experienced professionals employs market-neutral trading and lending strategies, including staking, margin lending, arbitrage and market-making, to consistently deliver returns. These yield strategies are executed under a strict risk management policy framework, guaranteeing that your capital is fully collateralized and deployed in a manner that neutralizes market risks and volatility, thus safeguarding your funds.

Rand combines innovative technologies, market expertise, and a strong commitment to financial security to create a seamless and rewarding investment experience through the Earn Account. Our aim is to assist you in achieving your financial goals by providing a reliable avenue for steady and secure growth of your investments.

What is the Prize Account?

The Prize Account is a unique rewards product offered by Rand. It provides an opportunity for all users to contribute to yield generation and have a chance to win monetary prizes. Here's how it works:

When you add funds to the Prize Account, your funds join forces with other users' contributions to generate interest over the course of one week. At the end of this period, the total interest generated is distributed among a select number of lucky winners. The winners are chosen randomly but the chances to win are proportional to the amount invested and the time funds have been kept in the Prize Account over that week. Regardless of whether you win or not, you keep the original amount you invested in the Prize Account and the yield generation for the following week's prizes starts immediately after the distribution of prizes, meaning that your contribution continues to support the potential for future winnings.

The Prize Account adds an element of excitement to your financial journey, offering the opportunity to earn bigger rewards sporadically. Participating in the Prize Account allows you to be part of a community-driven rewards program that fosters a sense of engagement and potential for additional benefits.

How does Rand make money?

We generate a return on the funds our members deposit in their Prize & Earn Accounts and take as revenue the spread between the obtained interest and what we are able to give back to our users. Our top priority is to keep funds safe while aiming to maximize users' earnings.

To generate interest and potential rewards, we pool together funds from all Earn and Prize Account participants. These funds serve as the foundation for our yield generation process, which is optimized with the use of advanced Web3 and AI technologies. Our cutting-edge methods enable us to employ sophisticated trading and lending strategies while placing a strong emphasis on fund security. These strategies include staking, margin lending, arbitrage, and market-making and are designed to minimize exposure to market risks and volatility. By adopting a market-neutral approach, our goal is to balance long and short positions, diversify the investment portfolio, and mitigate potential losses. This approach helps us maintain stability and protect funds from the impact of market fluctuations.

To ensure the security and protection of funds, we have a strict risk management framework in place. This framework ensures that the capital used for trading is fully collateralized, and the strategies are implemented in a market-neutral manner. Our team of experts, along with advanced algorithms, continuously monitor market conditions and make necessary adjustments to the investment strategies. This proactive approach allows us to adapt to changing market dynamics and optimize the yield generation process.

Can I withdraw my money whenever I want?

At Rand, we offer you the flexibility to move out your funds whenever it is convenient for you. You can withdraw funds from the Earn and Prize Accounts at any time and transfer them to a bank account without incurring any costs from our side. However, it's important to consider the impact of moving out a portion of your funds on your potential earnings.

By keeping your funds in the Earn Account, you maximize your chances of gaining more earnings over time. This is because funds in these accounts are eligible for interest accrual and potential compounding, allowing your money to work harder for you. If you choose to move out a portion of your funds, you will be reducing the overall amount available for generating earnings. Therefore, while you can access your funds whenever you need them, it's worth considering the potential trade-off between immediate access and the long-term benefits of staying invested.

Similarly, removing a portion or all of your funds from the Prize Account in between weekly prize draws will significantly reduce your chances of winning. When you participate in the Prize Account, your funds contribute to the overall prize pool, increasing the potential rewards for participants. By keeping your funds in the Prize Account, you maintain your eligibility for the weekly prize draws and maximize your chances of winning. If you choose to remove all your funds from the Prize Account, you will no longer be eligible to win prizes. Therefore, it's advisable to consider the timing of your fund movements and ensure that you have a sufficient balance in the Prize Account to maintain your chances of winning.

How does Rand protect my money?

At Rand, we prioritize the security of your funds with utmost confidence. We have implemented robust security measures, including industry-leading encryption protocols and data protection mechanisms, to create a secure environment. Our dedicated team of professionals continuously monitors for any suspicious activity, allowing us to promptly address and resolve any issues.

The funds moved to our Prize or Earn accounts are managed under a strict risk management policy framework. This ensures that your capital is fully collateralized and deployed in a market-neutral manner, shielding it from market risks or volatility.

However, while our aim is to generate consistent and attractive yields for users, it's important to recognize that all investments carry inherent risks. Through our meticulous risk management practices, we strive to provide a secure environment for users' funds and mitigate potential risks associated with third parties and market fluctuations.

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.

Take a look at Rand's helpcenter for the complete set of FAQs

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T&C of our Payment Service Provider

T&C of our Payment Service Provider

© 2023 Rand App

Rand Protocol SL is a company registered in Spain with company number B42893925. Registered office Plaça Pau Vila, number 1, office 2A2, 08039 Barcelona. Rand Protocol SL, is a company registered with the Bank of Spain under registration number D697 for the provision of crypto-asset custody and exchange services. The registration does not imply any approval or verification of the activities carried out by providers of virtual currency-to-fiat currency exchange services and electronic wallet custody services by the Bank of Spain.

Nothing on this site is a recommendation to invest. Rand does not offer financial advice. If you are unsure about investing we encourage you to speak to a financial advisor. Your capital is at risk.

Rand Protocol SL is providing you access to the services of its partner, Pecunia Cards EDE SLU, a company registered in Spain with company number B86972346, which is authorised and regulated by the Bank of Spain as an Electronic Money Institution (Firm Reference Number: 6707) for the issuance of electronic money and payment services. Your account and related payment services are provided by Pecunia Cards EDE SLU and your funds will be held in one or more segregated accounts and the full value safeguarded in line with art. 21.1 a) of Spanish Real Decreto-ley 19/2018, de 23 de noviembre, de servicios de pago y otras medidas urgentes en materia financiera.– for more information please see here.