Grow your balance daily with industry-leading interest
Grow your balance daily with industry-leading interest and the highest standards of security.
Rand is a financial technology company, not a bank. Banking services are provided by PecunPay Cards. See your applicable agreement here.
+45.000
Investors in Europe trust us to custody and grow their wealth
60 Million €
Assets deposited into the platform by our users, and growing every single day
+1 Million
Transactions across all our clients over the last 3 years
EARN ACCOUNT
Automatically swap to EURC and earn yield from industry leading money markets in stablecoins.
Withdraw anytime, no lock-up periods
Interest paid daily, day after day
Investment fully backed with collateral
Investing involves risks. You can lose your invested funds. This is not investment advice. Consider your knowledge and experience when making investment decisions.
All investments are over-collateralised at an average Loan-to-Value (LTV) of 45%, meaning borrowers must deposit significantly more collateral than they borrow.
This structure minimizes counterparty risk and ensures that, in the event of borrower default, every investment remains backed.
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Set your balance and monthly contribution to see your potential. Move through the years with the slider.
Your Bonus APY increases by +0,1% if you don't withdraw. The first period lasts 14 days, the next 28 days (14 more than the previous), then 42 days (14 more than the previous), and so on, until your total APY reaches 6,5%. Your starting APY is based on your balance.
Set your balance and monthly contribution to see your potential. Move through the years with the slider.
IN 20 YEARS YOU WILL HAVE
0€
(+0€)
Your Bonus APY increases by +0,1% if you don't withdraw. The first period lasts 14 days, the next 28 days (14 more than the previous), then 42 days (14 more than the previous), and so on, until your total APY reaches 6,5%. Your starting APY is based on your balance.
Security
Investments secured with a 45% LTV collateral buffer
Shared custody between Copper and Bitgo with up to $500M in insurance. Learn more
Registered in the Bank of Spain with number D697
"I have been with RAND for more than 2 years. It works really well, just as expected. Best option for having an above market average returns for fixed income."
Carlos Ruiz
"Great app to get profit of your savings, up to a 6,5%, very transpsparent in order you know how do they do that."
Alex Guilera
"The app is easy to use, it helps you make some money with the interest they provide. Overall I'm super happy with Rand"
Darkhaiass
"The app is clear, the support is great and I feel confident knowing my money is safe"
Diana S
"I've been using the app (...) to heal a large part of my weekly expenses. I'm very happy! I had been looking for an intuitive way to get a 'decent' percentage out of my money (...) and Rand is a very good way to do it."
Marss
"So far the experience has been great, I had several issues and they always helped me very fast. Great support team"
Luis Stillton
Join +45.000 investors choosing Rand as a trusted place to build their wealth
Get startedFAQs
Interest is earned by depositing funds on industry leading money markets through our network of partners. Unlike traditional savings accounts, interest is compounded every day to maximize the growth of your savings.
Stablecoins money markets are over-secured as borrowers are required to deposit more than they borrow, meaning your savings are backed by more than 100% of their value.
Note that stablecoins money markets are not a security or bank deposit.
The protection of your account is our top priority. These are some of the measures we use to keep your money safe:
Rand is free to use. There are no minimums and no lock-up periods. Rand does not earn money from user fees, the only fees you may see come from third-party providers.
Traditional high-yield savings accounts (HYSA) in Europe usually offer returns close to the overnight rates set by central banks, which remain relatively modest. In contrast, Rand provides access to the leading stablecoin money markets that can deliver significantly higher yields.
On top of this, Rand offers non-correlated returns that do not move in line with traditional stock or bond markets, allowing you to benefit from the broader digital-asset economy without needing to hold cryptocurrencies directly.
Yes, we don't force you to lock up capital. You can deposit and withdraw whenever you want.
Rand has never had negative returns. This is because all lending markets connected by Rand are over-collateralized, meaning there is always more collateral than the value of assets being lent out, which protects depositors from losses. Your returns come from lending activity rather than crypto price speculation, providing more predictable yields that are insulated from crypto-market volatility.
Rand is currently available in Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
We are continually working to expand our presence and bring the benefits of Rand to even more countries. Stay tuned for updates on our expansion efforts.
