We continuously receive investment returns, which are paid in real time into our secure wallets. The return is paid once a day in your account, at the rate of 6.40%/year. Simple. The surplus of the return generated by assets is dedicated to the purchase of carbon credits and to the gross margin for Regular Finance.
We are confident that the rate of return will remain high in the coming years as we believe stablecoin trading volumes will grow. Indeed, stablecoins, particularly those linked to the US dollar and the euro, meet a growing need in many countries, not just in Europe or the United States: Turkey, Vietnam, India, Argentina, the Philippines, Mexico, etc.

To purchase stablecoins, we convert euros (“fiat” euros) into stablecoins, such as USDC, EURC or agEUR. Then we bring these digital currencies to exchange offices, which allow conversions between euro stablecoins and dollar stablecoins. A portion of the exchange costs are paid to us. These exchange offices are automated and virtual, and called Liquidity Pools. We also deposit stablecoins into yield protocols, which manage investments in these liquidity pools. In both cases, the funds can be withdrawn at any time. For example, when we place stablecoins on the Convex DOLA-FRAX pool, it pays liquidity providers for an average return of 12% /year currently. And by 2025, our objective is to reach 80% of assets linked to tokenized Real World Assets (such as green bonds, solar power plants or wind turbines).

Based on a total return on assets of 9.50% over one year: - 7.20% is paid to the customer, - 0.28% are dedicated to the purchase of carbon credits (3% of the gross return), - the balance is kept by Regular Finance, which is 2.02% in this example.

The yield depends on the trading volumes that are executed on the liquidity pools and in the yield protocols. The rate of return fluctuates every day. The part of the return which exceeds the fixed interest paid to the client is the gross margin of Regular Finance, which therefore accepts to see its margin fluctuate in order to ensure a greater simplicity to the client.

We have chosen to take limited risk by investing platforms where the provision of liquidity generates interest, and where the evolution of the price of cryptocurrencies doesn't play a role. However, it is essential to do your thorough research and understand the associated risks of such an investment. ‍

The principle of the Regular Account is as follows: - when you make a deposit, you purchase shares of assets already invested and managed by Regular ‍ - when you make a withdrawal, you resell the asset shares that you held. Your deposit is 100% dedicated to purchasing assets. These assets are liquid, which is why you can withdraw 100% of your funds at any time. ‍ We invest in tokens which are staked in liquidity pools and yield protocols, such as Yearn Finance, Convex or Velodrome Finance. Your investment is therefore exposed to the operation of these liquidity pools and yield protocols. ‍ To hold and manage tokens, our technical infrastructure relies on our partner Fireblocks, a global leader in providing secure solutions for holding digital assets. ‍ Please note that Regular is an investment scheme which enables you to invest part of your savings. Even if the risk is low, your capital is not guaranteed.