One of the most common questions we get is: "How can you offer that kind of yield—and is it really safe?"

It’s a completely valid concern. At Rand, we take these questions very seriously. That’s why we want to explain everything clearly, step by step, with no fine print.

How do we generate yield?

The returns you earn on your Earn account come from activities such as staking and lending on blockchain networks.

Through these operations, we act as network validators (verifying transactions) or liquidity providers. In return, we receive rewards.

To participate in these environments, we must operate within the digital financial system. That’s why we convert euros into EURC, a digital currency pegged 1:1 to the euro.

What do you see?
Although we operate with crypto assets, you’ll always see everything in euros. Your balance will be in EURC, the stablecoin regulated under European standards (1 EURC = €1).

Why EURC?
Because it’s a legal requirement in the European Union to generate this type of return in a transparent and compliant way.

We handle all the conversions (from FIAT to EURC and back) and cover the costs of those changes (the so-called swap).

This way, all you have to do is switch on your savings autopilot and watch your money grow in euros—just like in any regular savings account—without having to learn about blockchain or deal with any cryptocurrency.

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What about security?

This is where Copper comes in—our trusted digital custodian.

• Copper safeguards digital assets for major institutions like Barclays and BitGo.
• It is insured by Lloyd’s of London.
• It offers Level 1 coverage, the highest standard on the market, specifically designed for digital assets.
• Copper is also ISO and SOC2 certified, meaning your funds remain protected even in the unlikely event of a Rand insolvency.

We are registered with the Bank of Spain

On top of operating under European standards and using regulated custodians, Rand is officially registered with the Bank of Spain as a provider of virtual-to-fiat currency exchange services and digital wallet custody.

Our official registration number is D697.

This means we fully comply with both Spanish and European regulations on anti-money laundering and financial supervision.
It’s an additional layer of transparency and security for you as a user.

In summary:

• We generate yield by validating blockchain transactions (staking/lending).
• We use EURC, as required by European regulations.
• You see everything in euros—we handle all currency conversions.
• Your funds are protected with the highest level of digital asset security.

That’s how Rand helps your money grow—simply, legally, and securely.

^{**Copper acts as the exclusive custodian of assets allocated for staking. Assets granted to our lending partners remain under the custody of independent third parties and are not covered by Copper’s insurance policy.**}