What COINSTANCY does

Coinstancy is a CeFi-on-DeFi platform founded in 2019 in French Polynesia that aggregates decentralized finance yield and packages it into accessible savings and investment products for retail and high-net-worth crypto investors. The platform deploys user deposits — primarily stablecoins (USDC at 7% APY, EURC at 4%) and major cryptocurrencies (ETH 3.8%, SOL 4.7%, BTC 0.9%, tokenized gold XAUT 1.1%) — across battle-tested DeFi protocols including Aave, Compound, Morpho Blue, and Balancer V3 Boosted Pools. It complements these savings pools with six themed crypto baskets (The Essentials, Value Reserve, Blue Chips, Top Layers, Decentralized Finance, Decentralized Exchanges) that auto-rebalance monthly on a 5% drift trigger. Core proprietary technology includes an automatic daily compounding system that batches all user compounding into single on-chain transactions to eliminate per-user gas fees, plus a real-time portfolio dashboard updating every second with one-click CSV tax export. User funds are held in non-custodial or Circle MPC custody wallets, treasury operations run through Gnosis Safe multi-signature, and savings positions are covered by OpenCover on-chain insurance against smart contract exploits.

The company operates with a lean team of approximately six people led by co-founders Armand Bouchard (CEO) and Grégory Julien (COO). It distributes primarily through a self-serve product-led growth model with an interactive demo, an Academy of 170+ articles and 32 in-depth guides, and community-driven quests and referrals. US market access is enabled through an April 2026 strategic partnership with Coinme, providing regulatory compliance and 50,000+ physical cash deposit locations. The Coinstancy Link product extends distribution via API integration with Binance and Coinbase, executing basket strategies on user-connected exchanges without requiring custody transfer. Coinstancy Prime serves clients from $100,000 with dedicated advisors, custom strategies, and 24/7 priority support.

Revenue is generated through a diversified multi-stream model: yield spread on fee-free savings products, a 0.15% monthly strategy fee plus 5% performance fee on crypto baskets, a 20% performance fee on staking yield, a 0.25% swap transaction fee, $19.99/month Link subscriptions, 1-3% payment processing fees on fiat, and a $50 asset recovery fee. The business serves individual crypto savers (primary), crypto basket investors (primary), HNW Prime clients, exchange-centric traders, corporate treasury inquiries, and US retail users via Coinme. At approximately $1M+ in assets under management and 3,000+ active users, Coinstancy remains a small-scale operation but is in active expansion mode across products, geographies, and customer segments.

Name

COINSTANCY

Legal name

Coinstancy

Website

https://coinstancy.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Coinstancy is a CeFi-on-DeFi platform that aggregates DeFi yield into fee-free savings pools (up to 7% APY on USDC), themed auto-rebalanced crypto baskets, and API-linked exchange strategies, serving retail savers, HNW clients, and US users via Coinme.

Ownership category

akta.pro rank

Product category

DeFi Crypto Savings & Investment Platform

NAICS

Other Financial Vehicles (525990), Open-End Investment Funds (525910), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Yield Aggregators & Strategy Vaults (FSADAMAF)

akta.pro secondary industries

Yield, Vaults & Asset Management (vault strategies, robo-vaults, structured yield) (FSAPAEAG), Treasury Management & Corporate Crypto Yield Programs (FSADAHAL), Staking, Restaking & Liquid Staking Finance (LST/LRT, validator markets) (FSAPAEAH)

Keywords

• Crypto savings platform
• DeFi yield products
• Stablecoin interest accounts
• Automated crypto portfolios
• On-chain wealth management

Headquarters

HQ city

Papeete

HQ country

French Polynesia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Savings Product Management/Performance Fees: Savings is fee-free — no deposit, strategy, or withdrawal fees charged to users. Revenue is generated from the yield spread between what protocols pay and what is distributed to users, and from scale efficiencies as AUM grows.
2. Crypto Baskets — Strategy Fee: 0.15% monthly strategy fee applied to Crypto Basket balances. Additionally, a 5% performance fee is charged on profits generated. Users deposit a minimum of $100 and baskets auto-rebalance monthly.
3. Staking — Performance Fee: 20% of staking yield is retained as a performance fee. Users stake crypto assets through the platform and receive the remaining 80% of rewards.
4. Swap — Transaction Fee: 0.25% fee charged per swap transaction on the platform. Applies when exchanging stablecoins for other assets.
5. Link — Monthly Subscription: $19.99/month subscription for API-based exchange integration (Coinstancy Link). Includes access to crypto basket strategies executed on the user's connected exchange (Binance or Coinbase). No setup fees, no performance fees, no withdrawal fees. Standard exchange trading fees apply.
6. Payment Processing Fees: Fees charged on deposit methods: 1% for bank transfers (both deposit and withdrawal), 3% for credit/debit card deposits. Crypto deposits are free; crypto withdrawals incur a flat $3 gas fee.
7. Asset Recovery Fee: $50 USD per asset per blockchain for asset recovery services if a user accidentally sends crypto to the wrong address.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Coinstancy operates a CeFi-on-DeFi platform that lets users earn yield on stablecoins (USDC at 7% APY, EURC at 4% APY) and major crypto assets (ETH, BTC, SOL, tokenized gold XAUT) by routing deposits through smart contract vaults into battle-tested DeFi protocols (Aave, Compound, Morpho Blue, Balancer V3). The platform also offers six auto-rebalanced thematic crypto baskets, an API-based Link product that executes basket strategies on users' connected Binance or Coinbase accounts without transferring custody, and a Prime tier for personalized wealth management from $100K.

Product overview

Coinstancy is a fintech platform specialized in crypto-asset investment and savings, offering on-chain finance products without the complexity of traditional DeFi. The platform consists of Savings Pools (core product) providing fixed APY yields on USDC, EURC, ETH, BTC, SOL, and Gold/XAUT with daily compounding and instant withdrawals; Crypto Baskets (core product) featuring 6 expert-curated thematic portfolios (The Essentials, Value Reserve, Blue Chips, Top Layers, Decentralized Finance, Decentralized Exchanges) that auto-rebalance monthly; Coinstancy Link (exchange integration) enabling API-connected strategies on Binance and Coinbase; Coinstancy Prime (premium tier) offering personalized wealth management from $100K with dedicated advisors; and Coinstancy Academy (educational resource) with guides and comparisons. All savings products feature 100% OpenCover hack coverage and instant 24/7 withdrawal capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Pools A suite of cryptocurrency savings pools offering fixed APY yields on stablecoins (USDC, EURC) and major crypto assets (ETH, BTC, SOL, Gold/XAUT). Features daily automatic compounding, instant 24/7 withdrawals, and OpenCover hack coverage. Available globally via the Coinstancy web platform.
• Dollar Savings (USDC) Earn 7.00% APY on USDC stablecoin deposits with very low risk. Features instant withdrawals, daily compounding, minimum $10 deposit, zero deposit/strategy/withdrawal fees, and 100% OpenCover insurance protection.
• Euro Savings (EURC) Earn 4.00% APY on EURC stablecoin deposits. Zero fees, minimum deposit equivalent, daily compounding, and 24/7 withdrawals.
• Ethereum Savings Earn 3.80% APY on ETH holdings through liquid staking and DeFi lending strategies. Users deposit USDC; the platform internally converts to ETH for allocation across protocols. Minimum $100 worth of ETH; withdraw as USDC instantly.
• Bitcoin Savings

Quantifiable outcome

• Users earn 4.7x more than traditional bank savings ($700 vs $200 on $10,000 over 1 year at 7% APY vs 2% bank APY)
• +5 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature8 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• CoinmecoreStrategic or Co-development Partner · 24 April 2024Coinme is a US-licensed cryptocurrency company providing regulatory oversight for Coinstancy's US operations. Coinstancy is 'now regulated in the US via Coinme.' US users can walk into any Coinme location, deposit cash, and start earning DeFi yields. Powered by Coinme; Built on Polygon. This partnership is essential for US market access and regulatory compliance.
• PolygoncoreTechnology or IntegrationPolygon is the primary blockchain infrastructure for Coinstancy's on-chain savings products. USDC deposits flow through Polygon for lower fees and faster confirmation. Listed in the 'Built on institutional-grade protocols' partner logo section.
• CirclecoreTechnology or IntegrationCircle provides MPC (Multi-Party Computation) custody infrastructure for user funds. 'Coinstancy currently uses secure wallets provided by Circle, with a dedicated address for each user.' Circle is referenced alongside Gnosis Safe for custody architecture. Assets backed 1:1.
• Gnosis SafecoreTechnology or IntegrationGnosis Safe provides multi-signature wallet infrastructure for Coinstancy treasury operations. All treasury operations require multiple independent signatories — no single team member can move funds unilaterally. Listed in the 'Built on institutional-grade protocols' section alongside Circle.
• OpenCovercoreTechnology or IntegrationOpenCover is a decentralized on-chain insurance protocol providing hack coverage and insurance for Coinstancy savings positions. 'Your funds are 100% insured via our partner OpenCover.' Covers smart contract exploits, code errors, oracle manipulation. Compensation claims filed and received within four weeks.
• AavecoreTechnology or IntegrationAave is a primary DeFi lending protocol used for savings deployment. 'We keep 5-10% of total assets in highly liquid DeFi protocols (Aave, Compound) specifically for instant withdrawals.' Also used in crypto basket strategies (Blue Chips basket includes AAVE).
• CompoundcoreTechnology or IntegrationCompound is a DeFi lending protocol used alongside Aave for savings liquidity reserves. '5-10% of total assets in highly liquid DeFi protocols (Aave, Compound) for instant withdrawals.' Part of the instant liquidity architecture.
• MorphocoreTechnology or IntegrationMorpho Blue is referenced in documentation as a protocol enabling instant withdrawals. 'Most high-yield crypto platforms lock your funds because they lend them out or invest in illiquid positions. Coinstancy solves this by using on-chain DeFi protocols (Aave, Morpho) where liquidity is always available.'
• BalancercoreTechnology or IntegrationCoinstancy uses Balancer V3 Boosted Pools as decentralized infrastructure to support covered stablecoin savings. A dedicated case study article ('Case study: How Coinstancy uses Balancer V3 Boosted Pools to power covered DeFi yield') details the integration. Boosted pools route idle liquidity to Aave and Morpho for additional lending yield.
• BinanceminorChannel Partner/ Reseller/ DistributorBinance is a supported exchange for the Link product — users connect their Binance account via API and Coinstancy executes basket strategies on their behalf. No funds are transferred. Binance is shown as 'Connected' with 'API connected 2 days ago' in the Link product demo.
• CoinbaseminorChannel Partner/ Reseller/ DistributorCoinbase (Advanced/Pro) is a supported exchange for the Link product. Users connect their Coinbase account via API for basket strategy execution without transferring custody. Listed as 'Coming Soon' alongside Binance in the Connect Exchange section.

Scale indicators8 records

Recent moves7 records

Expansion highlights3 records

Broad incumbents

• Aave: Aave is the largest DeFi lending protocol and one of Coinstancy's primary yield and liquidity sources; it is also a direct competitor for end users who could deposit into Aave's own UI instead of using Coinstancy's wrapper.
• Lido Finance: Lido is the dominant liquid staking protocol; Coinstancy's Ethereum and Solana savings pools route into liquid staking and lending markets that Lido underpins, making Lido a key upstream infrastructure competitor for crypto-native yield users.

Direct peers

• Ledn: Ledn is a CeFi crypto savings and lending platform offering yield products on BTC, USDC, and ETH for retail and HNW clients — a direct CeFi competitor in the regulated-crypto-savings category.
• Midas: Midas is a CeFi yield platform offering tokenized yield-bearing assets built on DeFi lending markets (Morpho, Aave), directly comparable to Coinstancy's savings pools and treasury yield products.
• AQX: AQX (formerly AQRU) is a CeFi yield platform that places client deposits into DeFi lending protocols to generate stablecoin yield, mirroring Coinstancy's 'CeFi on DeFi rails' model with similar USDC/APY-style products and a target retail/HNW audience.
• YouHodler: YouHodler is a CeFi crypto lending and yield platform offering stablecoin savings and crypto-backed products to retail users — a comparable CeFi-on-crypto savings competitor with overlapping target segments.
• Yearn Finance: Yearn is the original DeFi yield aggregator, automating deployment across Aave, Compound, and other protocols. It is the on-chain reference implementation that Coinstancy's vault-and-aggregation architecture is built on top of.
• Beefy Finance: Beefy is a multi-chain yield optimizer that auto-compounds returns across DeFi vaults; functionally comparable to Coinstancy's automated compounding, basket rebalancing, and gas-batching approach to user yield.

Emerging players

• Stargate Finance: Stargate is a cross-chain bridge and liquidity protocol offering stablecoin yield via LayerZero — adjacent to Coinstancy as a competing source of on-chain stablecoin yield that sophisticated users could use directly.
• Pendle Finance: Pendle tokenizes and trades future yield, sitting on top of the same Aave/Morpho/Balancer infrastructure Coinstancy uses; overlaps as an alternative way for users to access and manage the yields underlying Coinstancy's savings pools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/coinstancy
• LinkedInlinkedin.com/company/coinstancy

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about COINSTANCY