# Rand

> Rand is a European regulated fintech platform offering high-yield stablecoin savings (up to 6.00% APY) and crypto-backed credit lines (BTC/ETH collateral, 8% fixed rate). Operated by Rand Protocol SL, registered in Spain (CIF B42893925) and registered with the Bank of Spain as a crypto-asset exchange service provider (registration number D697). Not a bank. Regulated and operating since 2021.

Rand allows users to earn yield on EUR savings (automatically converted to EURC stablecoin) through over-collateralised money markets, and to borrow EURC against Bitcoin or Ethereum without selling their assets. The platform is available in 23 European countries. Payment and banking services are provided by Pecunia Cards EDE SLU, an Electronic Money Institution regulated by the Bank of Spain (ref. 6707).

## Products

- [Earn Account](https://rand.app/features/earn): Up to 6.50% APY on savings. Funds are automatically swapped to EURC and deployed into industry-leading over-collateralised stablecoin money markets. Interest is paid daily. No lock-up periods. No minimum deposit. Fully flexible withdrawals. Starting APY depends on balance; a Bonus APY of +0.1% is earned for every period without withdrawal, compounding up to the maximum 6.00% APY. All investments are backed at a 50% LTV collateral ratio.

- [Credit Line (Borrow)](https://rand.app/features/borrow): Crypto-backed credit line using BTC or ETH as collateral. Fixed 8% annual interest rate. No credit check, no repayment schedule, no fixed maturity. Loan disbursed as EURC within minutes. Up to 50% LTV (borrow up to 50% of collateral value). Instant EURC-to-EUR off-ramp to any EU bank account with zero transaction fees. Borrowing is generally not a taxable event (varies by jurisdiction).

- [Business Account](https://signup.rand.app/business): Earn account and credit line features available to business entities.

- [Affiliates Programme](https://rand.app/features/affiliates): Revenue-sharing programme for referring new users.

- [Referral Programme](https://rand.app/features/referral): User-to-user referral rewards.

## Company & Regulation

- **Legal name**: Rand Protocol SL
- **CIF**: B42893925
- **Registered office**: Avda. D'Ernest Lluch n.º 32, TCM 2, OF 19 B, 08302, Mataró, Barcelona, Spain
- **Bank of Spain registration**: D697 (crypto-asset exchange service provider)
- **Banking/payment services partner**: Pecunia Cards EDE SLU (Bank of Spain EMI ref. 6707); user funds held in segregated accounts per Spanish Real Decreto-ley 19/2018
- **Operating since**: 2021
- **Users**: 45,000+ investors across Europe
- **Assets on platform**: ~€60M deposited
- **Geographic availability**: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

## Security & Custody

- [Security Overview](https://rand.app/company/security)
- Crypto assets held in **cold wallets** under institutional custody split between **Copper.co** and **BitGo**
- Combined custody insurance of up to **$500M** (Copper via Lloyd's of London market)
- Earn Account investments secured by over-collateralisation at average 50% LTV
- KYC/identity verification via **Onfido** (AI-assisted document validation)
- Blockchain transaction monitoring via **Chainalysis** (AML/sanctions screening)
- Wallet infrastructure via **Fireblocks**
- Card payments via **Checkout.com**
- Cloud infrastructure on **Microsoft Azure**
- Staking infrastructure via **Kiln** (for future/staking products)
- AML compliance advisory via **ATH21**
- Two-factor authentication (2FA) and biometric login supported
- Withdrawal whitelisting available

## How Yield is Generated

Interest is generated by lending user funds into over-collateralised stablecoin money markets. Borrowers must deposit more collateral than they borrow (>100% of loan value), protecting depositors from losses. Returns are not correlated to crypto price movements — they come from lending activity, not speculation. Rand has never recorded negative returns.

## Key URLs

- Homepage: https://rand.app
- Sign up (personal): https://signup.rand.app/personal?lang=en
- Sign up (business): https://signup.rand.app/business?lang=en
- Earn Account: https://rand.app/features/earn
- Credit Line: https://rand.app/features/borrow
- Security: https://rand.app/company/security
- About Us: https://rand.app/company/about-rand
- Blog: https://blog.rand.app
- Help Centre: https://support.rand.app
- Contact: https://support.rand.app/hc/en-us/requests/new
- Terms & Conditions: https://rand.app/terms-conditions#general
- Privacy Policy: https://rand.app/terms-conditions#privacy
- Crypto-asset risk disclosure: https://rand.app/terms-conditions#cryptoassets
- Pecunia Cards T&C: https://rand.app/terms-conditions#pecunia

## Social & Community

- Instagram: https://www.instagram.com/randapp/
- LinkedIn: https://www.linkedin.com/company/rand-app/
- Telegram: https://t.me/joinchat/6iTNJq7QjJxkZWM8
- X (Twitter): https://twitter.com/RandApp

## Important Disclaimers

- Rand is a financial technology company, **not a bank**.
- Investing involves risks. Invested capital may be lost. This is not investment advice.
- Products are managed in EURC and USDC. Investing in crypto assets is not a regulated activity in all jurisdictions and may not be suitable for retail investors.
- Rand does not provide financial advice. Users should consult a financial adviser if unsure.
- Borrowing against crypto assets is generally not a taxable event but varies by country; users should consult a tax professional.
- Bank of Spain registration does not imply approval or verification of the activities by the Bank of Spain.