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.

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Unconventional savings,
Exponentially better.

Watch your savings grow in real-time. Put money aside for what really matters. Unlike some other accounts, ours doesn't come with sneaky requirements like maximums on deposits, required direct deposit, or hidden fees to catch you off guard.

Meet the perfect mix
for your savings.

A single account that connects you with real yields from proof of staking blockchains, enabling you to earn superior returns compared to your bank.

Liquid

More liquid than CDs or bonds. Withdraw your money instantly without penalties or waiting on maturity dates.

Well-diversified

Funds are staked across a set of POS Blockchains allowing you to tap into real yields by validating transactions of the next financial infrastructure.

Volatility-hedged

The volatility of the assets is hedged though our smart hedging engine allowing us to maintain all the positions neutral to market conditions.

Not too hot. Not too cold.
Striking the sweet spot.

Savings Accounts

Best for your daily expenses and your emergency fund, until you’re ready to invest.

Rand Earn Account

Higher yield than any savings account out there with less risk than an ETF.

Index funds

A proven strategy for maximizing long-term returns while accepting elevated risk.

Stocks or cryptos

Riskier yet rewarding when investing in chosen companies you believe in.

Not too hot. Not too cold.
Striking the sweet spot.

Savings Accounts

Best for your daily expenses and your emergency fund, until you’re ready to invest.

Rand Earn Account

Higher yield than any savings account out there with less risk than an ETF.

Index funds & ETFs

A proven strategy for maximizing long-term returns while accepting elevated risk.

Individual stocks
or crypto

Riskier yet rewarding when investing in chosen companies you believe in.

All you need,
In a simple account.

We assembled everything that tokenized markets can offer you to help you build long term wealth in a simple and diversified risk way.

Staking

Arbitrage

Market Making

Lending

Legal disclaimer: 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.

The best part?
We do all the work for you.

Swap from EUR to Stablecoin

Currency hedge

Automatic risk assessment

Interest reinvesting

Our goal is to help you generate yield effortlessly, without requiring extensive time commitment each week. We handle due diligence on third-party partners, continuously rebalance staked positions, and reinvest yields to maximise your return. Additionally, we take care of converting your EUR to Stablecoin, applying a hedge to mitigate concerns about currency fluctuations.

Legal disclaimer: 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 opportunity 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, market-making, and basis trading, 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.

How does Rand generate yield with the Earn Account?

At Rand, we have implemented a comprehensive and secure approach to generating yields for the Earn Account. Our top priority is to keep funds safe while aiming to maximize potential returns.

To generate interest and reward our users, we pool together funds from all Earn Account holders. 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. The strategies include staking, margin lending, arbitrage and market-making, and are designed to minimize exposure to market risks and volatility, maintain stable returns, and mitigate potential losses.

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 trading and lending strategies. This proactive approach allows us to adapt to changing market dynamics and optimize the yield generation process.

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

How will I receive my earnings?

Your earnings will be added to the balance of your Earn Account on a recurrent basis. You have the flexibility to manage them anytime according to your preferences.

By keeping your earnings in the Earn Account, you allow them to continue generating compounded interest, potentially resulting in even higher returns over time. Alternatively, you can choose to transfer your earnings to your Checking account, which allows you to have greater control and accessibility to your funds. From your Checking account, you can then further allocate the funds to other accounts or initiate transfers as needed.

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. 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.

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

For all the dreamers, doers, and change makers.

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.

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