Coinstancy Pro 如何运作
From deposit to withdrawal, the full mechanism, including where the funds sit at every step.
需要KYB · 美元或USDC · 利率截至2026年9月
部署
Coinstancy allocates the balance across six reviewed protocols. You never interact with a protocol and hold no keys.Where the funds sitCoinstancy custody, deployed in protocol contractsDetail →
收益累积
Yield accrues at your tier rate and shows in the dashboard. Nothing to claim, roll over or re-deploy manually.Where the funds sitCoinstancy custody, deployed in protocol contractsDetail →
简要说明
- Two eligible assets in: USD or USDC. KYB (Know Your Business verification) is completed once, before the first deposit is deployed.
- Coinstancy将余额分配到六个经过审查的协议中。您不持有任何密钥，也无需接触任何协议。.
- The tier picked at deposit sets the rate: 6.00% APY (annual percentage yield) with no lock, up to 6.75% at twelve months, and 7.00% for the first six months.
- 任何层级均可在请求后48小时内提款。.
- Leaving a locked tier early returns the principal in full and forfeits the accrued interest. This is not FDIC insured (Federal Deposit Insurance Corporation).
Step 1: Deposit in USD or USDC
两种合格资产，一次合规步骤，一个需要做出的决定：您想要哪个层级。.
存款涉及的内容
不涉及的内容
美元和USDC的路径略有不同
该产品无论以何种方式均以美元计价。USDC存款在到账时即被使用。美元存款在部署任何操作之前会转换为USDC，因为另一端的协议以稳定币结算，而非银行货币。两条路径最终都到达同一结果，且任一路径在提现时均可逆转：您可以选择资金以美元或USDC形式返还。.
KYB 在首次存款部署前进行一次，适用于公司而非个人。 合规页面 按实体类型列出了所需文件和实际时间表。
Step 2: Deployment across selected protocols
The balance is put to work across six DeFi (decentralized finance) protocols Coinstancy has reviewed and monitors. This is the step that produces the yield, and the step that carries the risk.
Coinstancy is the custodian
Your funds first enter a secure multisignature wallet operated by Coinstancy, then are deployed into the selected protocols. Coinstancy manages the allocation and the monitoring; you hold no keys and interact only with the dashboard.
您无需接触任何协议
无需配置钱包、无需操作桥接、无需重新平衡仓位。操作层面由我们负责。.
配置方案经过审查，而非一成不变
协议根据已发布的标准进行筛选，并持续监控，同时设有明确的退出条件。.
Curve 
Pendle 
Balancer 
Aave Coinstancy is custodial: the funds are held in a multisignature wallet it operates and no private key sits with you. Once deployed, they are also exposed to smart contract behavior on each protocol, which is precisely the exposure the OpenCover policy is written against. What the policy covers, and the long list of what it does not, is set out on the coverage page.
Step 3: How yield accrues
The tier you chose at deposit sets the rate. Accrual runs on its own and shows in the dashboard. There is nothing to claim and nothing to roll over by hand.
收益来源
Lending and liquidity provision on established DeFi protocols, not a promotional subsidy funded by new deposits. That is why the number is defensible in a treasury committee, and also why it is not a guaranteed return. A bank rate is a promise from a balance sheet; this one is the output of positions that can behave differently in a bad month.
应计收益不做什么
应计利息并非本金。若您在期限结束前退出锁定层级，这部分利息将被没收，且保险不予以恢复：低于宣传利率的收益是OpenCover保单中明确排除的条款。利息的税务和会计处理方式由您与您的顾问自行决定。.
Step 4: Withdrawal within 48 hours
提款在请求后48小时内可用。这个时间窗口是诚实的数字，也是为什么这笔资金应放在储备账户而非运营账户中的原因。.
请求
随时可随时从仪表板提交，金额不超过您的余额。.
平仓
底层协议中的头寸将按请求金额进行平仓。.
结算
48小时内资金以USD或USDC返还，在请求后48小时内可用。.
四十八小时并非当日到账
延迟存在是因为在资金可以流动之前，头寸必须被平仓。明天早上到期的工资发放、税款支付或供应商结算不应依赖此余额。标准配置是指你已经确定一个季度或更长时间内不会动用的那部分资金，而运营现金则留在可以当天支出的地方。.
On a locked tier, a withdrawal before term is still available within the same window. It is simply treated as an early exit, which changes what you get back.
提前退出实际上意味着什么
本金将返还。应计利息将被没收。本金不收取罚金。.
您保留的内容
您将放弃的内容
The comparison worth running is not lock against no lock in the abstract. It is the extra yield of the longer tier against the probability you need the money early.
Take a $500,000 allocation on the 12-month tier at 6.75% APY. Exiting after nine months returns the $500,000 in full and forfeits roughly $25,300 of accrued interest, on a simple-interest basis before tax. Had the same balance sat on the no-lock tier at 6.00% for those nine months, the accrual would have been around $22,500, and it would have been kept. The lock is worth taking when the horizon is genuinely firm, and not otherwise.
Illustration only, computed from the published grid as of September 2026 on a simple-interest basis, before tax and before any change in the underlying rates. Your own figures are the ones that decide it: run them through the calculator.
您的资金在每个步骤中的存放位置
财务团队首先提出的问题，逐条解答：资金由谁持有，谁可以动用，以及该保障在那一刻是否适用。.
| 步骤 | 资金存放位置 | 谁可以移动它们 | 覆盖率 |
|---|---|---|---|
| 在存款清算之前 | 您的公司银行账户或您自己的钱包 | 您 | Outside the policy: nothing is deployed yet |
| 已部署 | Contracts on the selected protocols, through the Coinstancy multisignature wallet | Coinstancy, as custodian, directs the allocation | OpenCover，根据保单条款，Coinstancy 定义的敏感协议上列出的协议事件 |
| 累计中 | Same contracts: accrual does not move the principal | Coinstancy, as custodian, directs the allocation | OpenCover，根据保单条款，Coinstancy 定义的敏感协议上列出的协议事件 |
| 解除提款 | 正在关闭的仓位，然后路由至结算 | Coinstancy 操作解除过程 | 该政策涵盖列出的协议事件，而非结算时间 |
| 结算后 | 您的公司银行账户或您自己的钱包 | 您 | Outside the policy: the funds have left the product |
资金由 OpenCover 承保，涵盖 Coinstancy 定义的敏感协议，受保单条款、限额和除外责任的约束。它并非 FDIC 保险，也不具备其性质：它仅针对保单中列明的协议事件作出响应，而非余额可能损失价值的每一种情形。具体承保范围见 承保页面，托管相关问题在 常见问题中也有解答。
市场压力事件中会发生什么
每次尽职调查电话中都会问到三种情况。其中两种不在保障范围内，最好在存入资金前而非之后了解清楚。.
智能合约代码漏洞和错误属于 OpenCover 保单承保的事件范围，适用于由 Coinstancy 定义的敏感协议，并受保单条款、限额和除外责任的约束。预言机操纵或故障、清算失败以及恶意治理接管也同样属于承保范围。.
不在保障范围内。基础稳定币的脱锚是明确的除外责任。如果您持有的资产交易价格低于一美元，该损失由您自行承担，且没有任何保障可以弥补。.
同样不在保障范围内。利率是产品的条款，并非保证回报，低于广告利率的收益不在保单保障范围内。利率均有日期并已公布，上述表格为2026年9月生效的利率。.
仍需您承担的风险
本产品没有FDIC保险，上述机制中的任何内容均不构成存款担保。底层稳定币脱锚、收益低于公布的网格，以及任何不属于保单所列事件的损失，均由您自行承担。协议选择、持续监控和保障措施仅降低特定类别的风险敞口；它们并不能消除市场风险，任何对本产品的配置都不应假设它们能消除市场风险。.
来源与延伸阅读
本页面中的数字和声明均基于以下文档。具有时效性的数字（利率、收益率、费用、市场数据）会变动：在据此行动之前，请在来源处核实实时数值。.
最后审核：2026年9月。外部链接在新标签页中打开；Coinstancy 对其内容不承担责任。.