Growth, how the two strategies work to grow your money on CiNKO

Your money doesn't have to sleep. With CiNKO Growth, your dollars can earn returns every single day, and you choose how much risk you want to take.

When you deposit USDC into CiNKO, your money doesn't just sit there. Instead, it participates in a strategy designed to generate daily returns, while seeking to reduce much of the volatility usually associated with crypto.

Growth has two strategies that cover two different profiles. One is for people who prioritize stability and the backing of traditional assets. The other is for those willing to accept a bit more movement in exchange for greater potential. Both live in the same account, and you can move your money between them whenever you want.

Two strategies, one goal

Not everyone is looking for the same thing when they put their money to work. That's why we built two options that complement each other:

• 🛡️ 24h Strategy (Conservative). Daily returns with low volatility. Ideal if you want peace of mind and the ability to withdraw quickly.
• 🚀 7D Strategy (Moderate). Greater return potential, with weekly processing. For people who can wait a bit longer in exchange for potentially better rates.

The quick comparison

Important: Historical performance is not indicative of future results. Returns are variable and not guaranteed. The 7D Strategy involves greater market and liquidity risk than the 24h Strategy.

🛡️ 24h Strategy, Conservative

This is the most stable option in Growth. Your USDC is backed by money market instruments with the highest credit ratings, mainly institutional USD funds backed by US Treasuries generating returns every single day.

Where do the returns come from?

The interest rate is benchmarked to the Daily Treasury Bill Rates published by the Federal Reserve Bank of New York. In other words, it's the safest benchmark in the U.S. financial system: the rate paid by U.S. Treasury bills.

This means your returns follow the same benchmark used by central banks, institutional funds, and the world's largest corporate treasuries when managing their cash.

How it works

• Returns accrue daily and compounds automatically.
• You can withdraw whenever you want. If you do it before 18:00 GMT, the money returns to your wallet the same day.
• Your money stays yours, accessible 24/7.

When to choose it

• You want your money to earn something, but you don't want surprises.
• You need to be able to withdraw fast if something unexpected comes up.
• This is your first step into return-generating products and you prefer to start cautiously.

The "up to 4% APY" reflects the strategy's historical performance. Returns may vary depending on market conditions and U.S. Treasury bill rates.

🚀 7D Strategy, Moderate

Here your money participates in a strategy designed to capture return opportunities within the blockchain ecosystem, while seeking to reduce much of the price volatility typically associated with crypto.

What happens with my money?

Behind the scenes, the strategy combines institutional-grade Solana staking with a delta-neutral strategy (see Glossary), designed to reduce exposure to cryptocurrency price movements while seeking attractive return opportunities within one of the most widely used blockchain ecosystems in the world.

The objective is to generate returns primarily from staking rewards and other delta-neutral opportunities rather than from speculative appreciation of digital assets.

Solana needs certain participants to help validate transactions and keep the system running securely. As an incentive, the network distributes rewards to those who take part in this process. The strategy uses these rewards as one of its main sources of returns.

However, there's an important challenge: normally, to access these rewards you would have to be exposed to the price fluctuations of cryptocurrencies, which can rise or fall significantly in short periods of time. To help reduce this risk, the strategy includes hedging mechanisms that aim to offset much of the impact those price movements could have.

Where do the returns come from?

The returns come mainly from two sources:

• The rewards generated by participating in the infrastructure that keeps the blockchain network running.
• Futures and perpetual derivative positions, used as part of a delta-neutral strategy (see Glossary). These instruments help reduce exposure to cryptocurrency price movements while potentially generating additional income through funding-rate and basis-market opportunities.

The combination of both sources allows for returns that depend more on the activity and functioning of the ecosystem than on the daily price fluctuations of a cryptocurrency.

What does this mean for you?

The simplest way to understand it is that your money works behind the scenes to participate in activities that help the crypto ecosystem function, and it earns compensation for doing so. At the same time, the strategy uses tools designed to reduce dependence on whether crypto prices go up or down at any given moment.

This doesn't eliminate risk and doesn't guarantee returns, but it does seek to offer a more stable way to access return opportunities within the digital ecosystem, without having to directly manage the technical complexity behind it.

How it works

• Returns accrue daily.
• Withdrawals are processed on Wednesdays. If you request a withdrawal mid week, it's released the following Wednesday.

When to choose it

• You want more attractive returns and you can wait a few days to withdraw.
• You're interested in exposure to crypto ecosystem returns without the price risk.
• You already understand how the 24h works and you're ready to take the next step.

The "up to 10% APY" reflects the strategy's historical performance and is provided for illustrative purposes only. Returns are variable and not guaranteed. Past performance is not indicative of future results.

In summary

CiNKO uses a strategy designed to capture rewards generated by blockchain infrastructure and other opportunities available in digital asset markets, while seeking to reduce exposure to cryptocurrency price fluctuations.

The result is a simple way to put your USDC to work, giving you access to return opportunities within the crypto ecosystem without having to worry about all the complexity happening behind the scenes.

Who's behind it

This strategy operates with top tier global institutions. Five Sigma Finance manages the portfolio under FCA regulation in the United Kingdom, Fidelity Institutional participates as asset issuer (one of the largest asset managers in the world, with over USD 5 trillion under management), and JP Morgan Transfer Agency handles the record keeping of your positions. Stablecoin custody is in the hands of Circle, Coinbase Prime, Fireblocks, and Sygnum, the most recognized names in institutional crypto. Having your money flow through multiple regulated providers, each with a specific role, isn't complication: it's protection.

What about security?

Both strategies use institutional infrastructure with regulated custodians and separate legal structures. Your assets are custodied by regulated institutional providers and remain separate from CiNKO's corporate funds. Asset custody is handled through institutional arrangements designed to provide transparency, security, and operational resilience.

We work with Tier 1 providers recognized in the industry (Circle, Coinbase, Fireblocks, among others) and operate under the regulatory framework of the DARE Act 2024 of the Bahamas, supervised by the SCB.

How to start in 5 steps

1. Open your CiNKO account in less than 2 minutes.
2. Fund your wallet in USD via transfer, crypto, or your existing wallet.
3. Go to the Growth section and choose 24h or 7D.
4. Confirm the amount and watch your money grow.
5. Withdraw whenever you need, within the available timeframes of each strategy (24h, or weekly Wednesday for 7D).

Frequently asked questions

Can I combine the two strategies?

Yes. You can have part in 24h and another part in 7D at the same time. In fact, it's a good way to balance stability and potential.

Is there a minimum amount?

You can start with very little. You don't need to be a sophisticated investor to use Growth.

What if I need my money urgently?

In the 24h Strategy, withdrawal is practically immediate (same day if you do it before the cut off). In the 7D, withdrawals are processed on Wednesdays, so it's smart to keep some free balance in your wallet for unexpected needs.

Are the rates fixed?

No. Both the "up to 4%" and the "up to 10%" are references based on historical behavior. Actual rates may vary depending on market conditions.

Do I pay fees?

There are no additional fees from the rate you earn to enter, exit, or hold your money in Growth. The only fees are those of the underlying strategy itself, which are already reflected in the returns you see.

Your money, working for you

Growth is the simplest way to put your dollars to work without complications. Two strategies, one app, and you choose how much risk you want to take.

Start using CiNKO today

Your money, without borders and earning returns every day. Download the app and choose your strategy.

Download CiNKO

Glossary

• APY (Annual Percentage Yield). The annualized return generated by a strategy, assuming earnings are reinvested over time.
• Delta-Neutral. An investment approach designed to reduce exposure to cryptocurrency price movements by balancing offsetting market positions.
• Staking. The process of participating in blockchain network operations and receiving rewards in return.
• Funding Rate. An implied rate that traders pay in perpetual futures markets to buy long positions or exposure to different cryptocurrency markets.
• Treasury Bills (T-Bills). Short-term debt securities issued by the U.S. government and generally considered among the lowest-risk financial instruments available.
• Volatility. The degree to which the value of an investment fluctuates over time. Higher volatility generally implies greater risk.
• Cut-Off Time. The daily deadline by which an instruction must be submitted to be processed that same day. Requests submitted after the cut-off are processed on the next available processing cycle.

CiNKO Growth is not a bank deposit, savings account, or capital guaranteed product. Returns are variable and not guaranteed. For certain products, the amount you receive upon withdrawal may be less than the amount you originally allocated. Past rates are not indicative of future performance. This is not financial advice. See full terms and conditions at cinko.io/en/terms-conditions-growth.