Since 2016, Cashaa has been at the forefront of the crypto-banking revolution. Today, we are proud to announce our most significant evolution yet: the Cashaa Unified App. We have listened to our community and consolidated our flagship products into a single, high-performance experience designed to help you maximize the value of your portfolio without ever needing to sell your assets.

Whether you are looking to generate market-leading yield or access instant liquidity, the new “Earn” and “Unlock Cash” features are built to empower your financial journey – with no native token requirements and no complex loyalty tiers.

1. Unlock Cash: 0% APR Borrowing for Everyone

Why sell your Bitcoin or Ethereum when you can borrow against them? Our revamped Borrow program, now located under the “Unlock Cash” tab, offers the most competitive rates in the CeFi industry. At Cashaa, we believe the best rates should be accessible to all, not just those holding a specific token.

• Borrow at 0% APR: At a 10% Loan-to-Value (LTV) ratio, all users can access liquidity with zero interest.
• No Token Stacking: Unlike our competitors, you do not need to buy, hold, or stake any native tokens to qualify for our best rates.
• Flexible Collateral Options: * Bitcoin (BTC): Borrow up to 70% LTV with APRs ranging from 0% to 20%.
• Ethereum (ETH): Borrow up to 50% LTV with APRs starting at 0%.
• Altcoins: Access liquidity against SOL, BNB, AVAX, MATIC, XRP, and more at competitive 12-16% APRs.
• User-Centric Terms: Loans start from just $500 equivalent and are disbursed instantly in your choice of USDT or USDC. We also offer no early repayment penalties, meaning you only pay the interest accrued to date.

2. The New Cashaa Earn: Up to 21% APR

We have rebuilt our Earn engine to provide a hybrid model that maximizes returns while prioritizing asset safety. Under the new “Earn” page, you can put your idle assets to work with straightforward, industry-leading rates.

• Market-Leading Stablecoin Yields: Earn between 8% and 21% APR on USDT and USDC. Our 30-month maturity term offers a 21% APR, supported by institutional credit.
• No “Tiers” or “Hoops”: The rate you see is the rate you get. There are no “Diamond” or “Gold” tiers to navigate – just choose your term and start earning.
• Product-Specific Yield Engines: * Stablecoins: Utilize a hybrid model of borrow spreads, trading, and institutional credit.
• Crypto (BTC, ETH, Altcoins): Earn up to 11% APY through a trading-only model. Crucially, your crypto deposits are never used for lending, ensuring a distinct and secure risk profile.
• Flexible Payout Options: Choose between “Quarterly APY” for regular income or “Maturity APY” to lock in the highest possible returns.

3. A Decade of Trust: The Risk Framework

In an era of uncertainty, Cashaa stands on a foundation of a 10-year track record. Our Unified Product Specification isn’t just about rates; it’s about a rigorous Risk Framework designed to protect your wealth.

• The Over-Collateralization Model: All Cashaa loans are over-collateralized, meaning your collateral value always exceeds your loan value. For our 0% APR loans at 10% LTV, this means a 10:1 collateral ratio.
• Transparent Liquidation Rules: To ensure platform solvency, we use automated systems.
• Margin Call: Triggered at 70% LTV for BTC (or 65% for ETH), providing an early warning via email, and in-app notifications.
• 24-Hour Grace Period: Users have time to top up collateral or repay the loan to avoid liquidation.
• Automatic Liquidation: Executed at 80% LTV to eliminate platform credit risk (notwithstanding the 24-Hour grace period).
• Fairness in Volatility: In the event of a liquidation, any surplus collateral (minus a 2% fee) is returned to the borrower within 24-72 hours.

Experience the Evolution Today

The new Cashaa app is more than just an update; it is a “Single Source of Truth” for your digital wealth. We have removed the complexity and the “token traps” of traditional CeFi to give you a simple, transparent, and secure way to manage your assets.

Explore the new Homepage, dive into the Earn section, and Unlock Cash instantly starting today.

Download the New Cashaa App