Growth: how the three strategies work to grow your money

When you leave your USDC in CiNKO, your money doesn't sleep: it can take part in a strategy designed to generate daily returns, while you decide how conservative or ambitious you want to be.

Until recently, Growth had two options. Today there are three, and each one serves a different goal: some people prioritize the stability of traditional financial instruments, others want a diversified institutional portfolio, and others are after the potential of the decentralized finance ecosystem. All three live in the same account, and you can spread your money across them whenever you want.

Three strategies, one goal

Not everyone wants the same thing when they put their money to work. That's why Growth offers three complementary options:

🛡️ Money Market 1D (Conservative). Daily returns with low volatility, backed mainly by U.S. Treasury bonds. Ideal if you want peace of mind and quick access to your money.
🏛️ Wall St. 2D (Moderate). A diversified portfolio of institutional-grade real-world assets, actively managed to seek higher return potential.
🚀 Digital Markets 3D (Advanced). The option with the highest potential within Growth, with strategies built on the DeFi ecosystem for those who are already comfortable with the digital world.

All three generate returns every day and compound automatically. The difference lies in where that return comes from and in how long it takes to access your money when you request a withdrawal.

Quick comparison

Feature	🛡️ Money Market 1D	🏛️ Wall St. 2D	🚀 Digital Markets 3D
Profile	Conservative	Moderate	Advanced
Reference APY	Up to 4%	Up to 6%	Up to 7%
Source of return	U.S. Treasury bonds and institutional money market funds	Diversified portfolio of institutional-grade real-world assets	DeFi strategies within the Sierra ecosystem
Volatility	Low	Medium	Can go up or down
Returns	Daily	Daily	Daily
Compound interest	Yes	Yes	Yes
Base asset	USDC	USDC	USDC
Who it's for	You want stability	You want an institutional portfolio	You want the highest potential

⚠️ Important: the APY figures are a historical reference and may vary depending on market conditions. They do not represent a guarantee of future returns. Wall St. 2D and Digital Markets 3D carry higher market and liquidity risk than Money Market 1D.

🛡️ Money Market 1D — Conservative

Reference APY: up to 4%

It's the most stable option within Growth. It's designed for those who want their digital dollars to generate something without being exposed to complex strategies or surprises. Your USDC is backed by money market instruments with the highest credit ratings, mainly U.S. Treasury bonds.

Where do the returns come from?

The funds are invested in institutional-grade real-world assets (RWA), backed almost entirely by the Fidelity Institutional Liquidity USD Fund. The strategy tracks the U.S. dollar reference rate using the same instruments that central banks and corporate treasuries rely on. The capital remains fully backed: no leverage and no securities lending.

When to choose it

You want your money to generate something, but without volatility or complications.
You need to be able to access your funds quickly if something unexpected comes up.
It's your first step into yield-generating products and you prefer to start cautiously.

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

🏛️ Wall St. 2D — Moderate

Reference APY: up to 6%

If you want to increase the potential of your USDC without leaving the world of traditional assets, this is the next step. Your money takes part in a diversified portfolio of institutional-grade real-world assets, actively managed by Five Sigma.

Where do the returns come from?

Your USDC is allocated to a portfolio of Real World Assets (RWA) that combines instruments with credit ratings ranging from AAA, the highest in financial safety, to BBB-, the minimum level considered investment grade. Being diversified and actively managed by specialists, it seeks to optimize the balance between stability and return based on how the market moves.

When to choose it

You're looking for higher return potential than Money Market 1D.
You want a diversified portfolio managed by specialists.
You can wait up to two business days to access your funds.

The "up to 6% APY" reflects the strategy's historical performance. Returns are variable and not guaranteed; the value of the assets may fluctuate.

🚀 Digital Markets 3D — Advanced

Reference APY: up to 7%

It's the most advanced option within Growth and the one with the highest potential. Here your money accesses opportunities within the Sierra DeFi ecosystem, with strategies designed specifically for your USDC.

Where do the returns come from?

The strategy combines different sources within decentralized finance:

Holding digital assets within strategies designed to generate return.
Providing liquidity on the main decentralized exchanges (DEX).
Strategies developed together with Pendle, a protocol specialized in yield within DeFi.

When to choose it

You want to access the DeFi ecosystem and the highest potential within Growth.
You already know or are interested in how decentralized finance works.
You can wait up to three business days to complete a withdrawal.

The "up to 7% APY" reflects historical performance and is provided for illustrative purposes only. Returns are variable and not guaranteed. Past performance is not indicative of future results.

What do all three have in common?

Returns from day one. As soon as your funds arrive, they start generating return. No need to wait weeks or months.
Automatic compound interest. Earnings are added to your balance and start generating new earnings, without you doing anything.
You decide when to withdraw. You can request a withdrawal whenever you want; each strategy has its own maximum processing time.
You can combine all three. Leave a portion in each strategy according to your goals. You don't have to choose just one.

Who's behind it

Growth operates with top-tier global institutions, each with a specific role:

Fidelity Institutional — asset issuer in the traditional strategies (over USD 5 trillion under management).
Five Sigma Finance — manages the Wall St. 2D portfolio under FCA regulation (United Kingdom).
JP Morgan Transfer Agency — record-keeping of positions.
Sierra + Pendle — ecosystem and protocols on which Digital Markets 3D is built.
Circle, Coinbase Prime, Fireblocks and Sygnum — custody of the stablecoins.

Having your money pass through multiple regulated providers, each with a clear function, isn't complexity: it's protection. Your assets are kept separate from CiNKO's corporate funds, and we operate under the framework of the Bahamas DARE Act 2024, supervised by the SCB.

How to get started in 5 steps

Open your CiNKO account in less than 2 minutes.
Fund your wallet in USD by transfer, crypto, or from your existing wallet.
Go to the Growth section and choose Money Market 1D, Wall St. 2D, or Digital Markets 3D.
Enter how much you want to invest and confirm the operation.
Withdraw when you need to, within each strategy's timelines.

Once the operation is processed, your USDC starts generating daily returns automatically.

Frequently asked questions

Can I combine all three strategies?+

Yes. You can spread your USDC across Money Market 1D, Wall St. 2D, and Digital Markets 3D at the same time, and manage each position from the app. It's a good way to balance stability and potential.

Is there a minimum amount?+

You can start with a small amount, 100 USDC. You don't need to be a sophisticated investor to use Growth.

When do returns start being generated?+

From the moment your operation is processed and the funds enter the chosen strategy. From then on, the return is calculated every day.

What if I need my money urgently?+

You can request a withdrawal whenever you want. Money Market 1D is usually available in about a day (maximum two business days), Wall St. 2D up to two business days, and Digital Markets 3D up to three business days. It's smart to keep some free balance in your wallet for unexpected needs.

Does my money keep generating returns while I wait for the withdrawal?+

Yes. Your funds keep generating returns until the withdrawal order is processed.

Are the rates fixed?+

No. The "up to 4%", "up to 6%", and "up to 7%" are references based on each strategy's historical behavior. Actual rates can go up or down depending on market conditions.

Do I pay fees?+

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

Is my capital guaranteed?+

No. Growth is not a bank account or a guaranteed deposit. Each strategy seeks to generate returns using different types of assets or protocols, so the return is variable and the value of the investment may fluctuate.

Glossary

Term	Definition
APY	Annual Percentage Yield: the annualized return of a strategy, assuming earnings are reinvested.
USDC	A digital asset whose value seeks to remain equivalent to the U.S. dollar.
Compound interest	Earnings are added to the balance and start generating new returns.
Real World Assets (RWA)	Traditional financial assets —such as bonds or money market funds— used to back certain strategies.
Treasury bills (T-Bills)	Short-term debt issued by the U.S. government, among the lowest-risk instruments available.
Investment grade	A classification given to assets that meet certain credit-quality standards (from AAA to BBB-).
DeFi	Decentralized finance: financial applications built on blockchain technology.
Liquidity provision	Contributing assets to a decentralized exchange to facilitate trades, in exchange for fees or incentives.

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