Loyalty mazes, tier games, token-locking gymnastics — gone. Same rates for everyone, fixed-term, locked at subscription. The way it should always have been.
What changed
For years, CeFi platforms gated their best yields behind opaque loyalty schemes. Stake more of the platform's token, climb a tier, unlock a slightly better APY. Sell the token, lose the tier. The result: returns that depended more on token speculation than on the underlying business.
The new Cashaa removes the gate entirely. The headline rates published on the platform are the rates you get — every depositor, regardless of CAS holdings, gets the same fixed APY for the term they pick.
How the new model works
- Pick an asset. USDT, USDC, USD1, BTC, ETH and 9 more across stablecoins, BTC, ETH and altcoins.
- Pick a term. 3 to 30 months for stablecoins; 3 to 12 months for BTC, ETH and altcoins.
- Pick a payout style. Maturity (everything at the end) or quarterly (paid out every 3 months).
- The rate locks at subscription. Market moves don't change what you earn.
Peak rate today: 21% APY on stablecoins at 30 months. BTC, ETH and altcoins peak at 11% APY at 12 months.
Where CAS fits in now
CAS still has a role — it's just not a loyalty gate anymore. Two utilities remain:
- 5% of revenue buys CAS on the open market and burns it. Every dollar Cashaa earns reduces circulating supply.
- Loans can be repaid in CAS. Optional alternative to the default rail — a soft demand source for borrowers who want it.
What this means for you
If you've been on the sidelines because tier-stacking felt like a side-job, the new model removes that overhead. Open an account, pick an asset, lock a term — and you're earning at the same headline rate as everyone else.