Investment plans: minimums, APY and lock-up periods
When you invest, you choose one of five plans. A longer lock-up period gives a higher APY. The APY shown is the base rate plus any bonus rate:
- Flex — no lock-up (0 days), 6% APY, minimum €100. Cash out any time.
- Growth — 30-day lock, 14% APY (12% + 2% bonus), minimum €500.
- Premium — 90-day lock, 23% APY (18% + 5% bonus), minimum €2,000. (Marked "Popular".)
- Elite — 180-day lock, 33% APY (25% + 8% bonus), minimum €10,000.
- Institutional — 365-day lock, 47% APY (35% + 12% bonus), minimum €50,000.
The lock-up defines when the position's payout date is scheduled — it does not auto-pay at expiry; you still request a cash-out (see the cash-out article). Every plan accrues interest daily into your position's value. You must invest at least the plan's minimum, or the request is rejected.
- 1Go to Dashboard → Invest and pick an agent
- 2In Step 2, choose a plan (Flex, Growth, Premium, Elite or Institutional)
- 3Note the APY and lock-up shown on each plan card
- 4Enter an amount at or above that plan's minimum in Step 3
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