The Earn account was created with the goal of offering small investors a simple way to access returns generated by regulated stablecoins.

It is an ideal option for those looking to diversify their portfolio with a passive management product that offers higher returns than traditional fixed income, such as government bonds or money market funds, while avoiding the volatility of equities.

How we generate your returns

The Earn account generates its returns through our network of partners specialized in staking and institutional lending.

1. Staking: validating networks and earning rewards with volatility hedging

In the Proof of Stake (PoS) model, blockchain network transactions are validated by locking up capital as collateral. Your funds participate in this process through our partners, helping to keep networks operational and secure.

In return, we receive rewards that are converted into interest for you.

Rand applies hedging strategies to the assets used in staking to mitigate volatility risk, ensuring that the value of the capital is not affected by market fluctuations.

2. Lending: loans backed by collateral exceeding 150%

We lend liquidity to institutional third parties under a very strict risk thesis.

Each loan is backed by a minimum of 150% collateral. For example, if 100 EURC are lent, the borrower must provide at least €150 in an asset such as Bitcoin, held in custody by regulated entities. This ensures that, in the event of default, we can execute the collateral so that its value always exceeds the loaned capital.

Top-tier security and custody

The custody of assets and collateral is our highest priority.

• Staking: Assets are covered by Copper through its ClearLoop solution, and further protected with volatility hedging strategies.
• Lending: Collateral is held by leading regulated custodians such as BitGo, Zodia, and Anchorage Digital.

In addition, Rand is registered with the Bank of Spain and complies with the most demanding regulatory standards.

Conclusion

‍With Rand, you’re not just opening a savings account. You’re taking part in a profound shift in the financial system. A shift that stands for efficiency, transparency, and the opportunity to earn greater returns without complications.

Will you join us? Sign up for free here, download the app, and start saving big.

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^{The Earn account is an investment product; your capital is at risk and may not be suitable for retail investors. Consider your knowledge and experience before making investment decisions.}