21% APY on USDT.
Locked at signup.
Fixed-term yield on stablecoins, BTC, ETH, and 10 more assets. Rates lock the moment you subscribe — they don't move when the market does. No commitment until you deposit.
As seen in
Sample · Verified rate
$25,000 USDT
APY
21%
Term
30 mo
You'd earn at maturity
+$13,125
Run the numbers.
Before you move a coin.
Pick an asset, an amount, a term. Rates are verified live. Flip to Unlock Cash to see what you can borrow — no credit check, no selling.
Better than bank. Better than every exchange.
25,000 · 30mo · Verified May 2026
Cashaa earns you $8,125 more than Nexo.
§ Best in class
Higher than every comparable.
Benchmarked against 5 competitor platforms. We win on every asset where we're listed.
← swipe to compare platforms →
§ Transparency
100% reserves. Public ledger.
Every dollar of deposit backed 1:1. No rehypothecation. No hidden leverage. What you deposit is what we hold — verifiably.
BTC
Bitcoin
USDT
Tether
ETH
Ethereum
BNB
Binance Coin
OTHER
Others (SOL, ADA, USDC, XRP …)
§ How it works
Four steps. Minutes.
No spreadsheets, no lockups you regret. Pick a term and go.
- 01
Choose
Pick your crypto, amount, and term.
- 02
Deposit
Rate locks from day one. No surprises.
- 03
Earn
Get paid quarterly or at maturity.
- 04
Receive
Everything back at term end.
§ FAQ
Common questions.
Short answers. Longer ones in the Help Center.
Can I withdraw early?+
No. Your crypto is locked for the full term. Start with 3 months if you're not sure.
What happens at term end?+
Principal plus earnings release automatically. Re-subscribe at the prevailing rate, or withdraw to your bank / another wallet.
How are these rates sustainable?+
Over-collateralised lending + market-neutral strategies + institutional borrow. No yield farming, no speculative exposure.
What if Cashaa has problems?+
Cashaa operates as a Registered Virtual Assets Service Provider (VASP) with strict capital and conduct requirements. Deposits are 1:1 backed and segregated from operational funds.
Is the rate guaranteed?+
Yes — your rate is fixed at subscription for the full term. Market moves don't change what you earn.
What's the minimum?+
No minimum. Start with $100 to test. Top up anytime to a new term.
Lock the rate
Your crypto, working while you sleep.
Fixed-term yields up to 21% APY. 100% reserves. Takes 2 minutes.