Do more with your money
Earn 4% APY through decentralized lending and liquidity pools. You deposit, we lend on your behalf, and you keep the interest. Unlimited free withdrawals and no fees. Grow your money without locking it in.
*Comparison based on data from ValuePenguin.
4% APY on all deposits. See your earnings reflected immediately.
Earn 4% APY between fixed-term investments. Compounded and paid every second.
No maximum deposit, no maximum term. Invest from just $10 and withdraw anytime.
To any local bank account or wallet address, as often as you like.
Create your deposit order and then transfer your funds in USD or a supported stablecoin. If you send a different fiat currency, we’ll convert it for you.
Your funds supply liquidity to decentralized exchanges and lending pools. In return, you earn 4% APY, compounded and paid into your account every second.
Your balance compounds and increases every second. So no downtime, no wasted earnings.
We want to make sure that anyone who is considering or ready to make an investment decision — at all hours of the day — can easily access all relevant information to feel secure in making the decision.
Our high-yield, collateral-backed investments have gotten a lot of press. Click View press below to find out what finance’s most respected publications think about us.
To deposit into your MyConstant account, click Make a deposit from your Accounts page or visit the deposit page directly.
Choose how much you want to deposit and then click Deposit now.
On the next screen, you can choose from three deposit methods. We support ACH transfers for linked US accounts up to $5,000, and wire transfers which are unlimited.
Choose the appropriate deposit method and then follow the on-screen instructions. If you don’t have a linked US bank account, you can set one up using the on-screen link.
Once we receive your deposit, which may take 1-5 business days depending on the method you choose, your balance will update within 1 business day.
Please note, non-diamond members are only allowed to have 1 active ACH transfer active at a time.
Please read our service times for more information.
Your balance earns 4% APY by default through Instant-access investing, our anytime-withdrawal investment account. If you’d prefer not to use Instant-access investing, you can disable it from your Accounts page (under Accounts detail).
Disabling Instant-access investing means your money will remain with Prime Trust, our accredited US custodian, who will store your funds across multiple insured bank accounts to an aggregate limit of $130,000,000. You will be able to withdraw uninvested funds at anytime for free, but you won’t earn any interest on your balance.
We currently support ACH transfers for linked US accounts up to $5,000 per transaction, and wire transfers which are unlimited.
In the interest of security, we’re in the process of moving all cash management to our custodial partner, Prime Trust. This means in the future we won’t need to handle your funds at all.
However, we’re somewhat limited by the deposit methods Prime Trust accept, and it’s likely Zelle will be phased out in the next few months.
How does MyConstant investing work?
When you invest with us, you first send your funds (either fiat like USD or stablecoins) to our custodial partner Prime Trust, an accredited US financial institution.
Prime Trust then converts your funds to a relevant stablecoin which we then lend on your behalf to collateralized borrowers, liquidity pools, and decentralized exchanges in return for interest.
When you’re ready to withdraw, Prime Trust converts your invested stablecoins back to the relevant currency of your withdrawal request. There is no charge or fees for fiat (USD etc) withdrawals. You’ll keep the interest you earn up to the moment you withdraw your funds.
You can choose our instant access account or invest for a fixed term. Our instant access account has a 24-hour term that’s automatically extended every 24 hours unless you choose to disable the product or withdraw your funds.
All account statements for MyConstant investment products are stated in USD equivalent terms at all times.
Is CONST LLC a bank?
Please note that CONST LLC (hereafter referred to as “we”, “us”, or “Company”) is not a bank or deposit account, nor is it a regulated financial institution. MyConstant tokens are not financial instruments. No interest will be paid on any funds or other assets held in your MyConstant account and all assets directly held by us are not insured by us or, except as set forth below, any third party or any government agency.
We work with independent third-party financial institutions such as Prime Trust to provide cash management for the fiat deposits backing MyConstant tokens, ensuring that all MyConstant tokens in circulation are matched by an equal amount of fiat deposits. To achieve this, the fiat deposits backing MyConstant are held in one or more depository accounts at US banks or trust companies whose deposits may be insured.
Rate is current at the time of reading, and may be subject to change in the future.
