How it works
Where your money is, at every point
Five stages, and what the system records at each one. If you only read one thing, read the last section: what we cannot do.
- 01Opening an account
Opening an account
You give us your legal name, country and date of birth, then upload a passport, national ID or driving licence. A person reviews it. Until that is approved you can look around and deposit, but you cannot invest or withdraw.
Your ID document goes into private storage that only you and our verification team can read. It is never served publicly and never attached to a marketing profile.
- 02Funding your account
Funding your account
You send crypto to the address we give you. Nothing is credited when you say you have sent it. It is credited once the network has confirmed the payment, and that confirmation is what writes the ledger entry.
The transaction hash is recorded against the entry, so the deposit on your account and the transaction on the chain can be matched by anyone holding both. The entry debits our cash account and credits your wallet. Your wallet is a liability on our books: it records what we owe you, which is the correct way round.
- 03Investing
Investing
You move money from your wallet into a product. The product's terms (its rate or its mining inputs, the term, the fees) are copied onto your position at that moment and frozen there.
If we later change the product, your position keeps the terms you agreed to. Editing a product cannot reach backwards into anyone’s existing investment.
- 04Earning on an investment product
Earning on an investment product
A rate is applied to your balance in the product on a schedule. Each accrual is its own ledger entry, stored with the balance it was calculated on, the rate, the number of days and any fee deducted.
So you can check any figure we credit you rather than taking a total on trust. The rate is variable and is not a promise. Products that compound credit the return back into the position; the rest credit it to your wallet.
- 05Earning on a mining contract
Earning on a mining contract
There is no rate. Each period we record what the pool actually paid and what it cost to run the hardware, and split what is left across everyone holding units, in proportion to how many each of them holds.
The period record, the total units running, your units and the arithmetic are all stored on the accrual, so you can see exactly where a figure came from. Revenue moves with the network, so periods differ, and a bad period pays less.
- 06Withdrawing
Withdrawing
You request a withdrawal. A person reviews and approves it before any payout happens. This is deliberate and it is not instant.
Requesting does not move money. Approval moves it out of your wallet; the payout itself is a second entry when the funds actually leave. Both record who authorised them and when.
Constraints we put on ourselves
What we cannot do
These are not policies we promise to follow. They are constraints the database enforces, which means our own staff and our own admin tools are subject to them too.
We cannot edit a ledger entry.
Updating or deleting one is rejected outright. A correction has to be a new, opposite entry, which stays visible next to the original.
We cannot quietly adjust a balance.
There is no balance to adjust. Your balance is calculated by summing your entries every time it is displayed.
We cannot approve a withdrawal without leaving a name.
Approval is only possible through a path that records which member of staff did it and at what time.
We cannot make an unbalanced movement.
Any movement whose debits and credits do not match is rejected by the database before it is saved.
Read the product terms next.
Each product page states its rate, term, minimum and every fee, with a worked example of a single day’s interest on the minimum investment.