There are three savings plan time frames. Funds can be locked for a 2-year, 3-year or 5-year periods and the longer the funds are locked, the higher the interest rate earned. Once you’ve picked a savings plan, you have several options on how to receive your interest.
An Available Balance: Your daily interest can be automatically transferred to an available balance and accessed at any time. Interest will be paid in the same currency as the locked capital.
A Locked Balance: Your daily interest is locked in the savings plan, along with the capital on which it is being earned. Interest will be paid in the same currency as the locked capital and will generate a higher interest rate than an available balance.
Locked RBIS Balance: Your daily interest is paid in RBIS, even if the savings balance is in EUR or BTC, and it is locked until the savings plan expires. This option generates the highest interest rate and helps you reach the next account level faster.
Savings plan earnings are impacted by
How much RBIS you hold
The savings plan timeframe
The savings plan currency
Which balance your interest is sent to
Which currency your interest is paid in
