Rates (APY)

Fixed

  • Fixed 180 Days 90 Days 30 Days
  • BTC 8.33% 7.79% 6.72%
  • ETH 7.25% 6.72% 5.65%
  • USDT 11.63% 10.52% 7.79%
  • USDC 11.63% 10.52% 7.79%

Flexible

  • Flexible
  • BTC 3.05%
  • ETH 2.53%
  • USDT 3.56%
  • USDC 3.56%

Staking reward rate is the same as the network reward rate.

FAQ

  • Q What is ICONFi?

    - ICONFi is a digital asset savings platform that provides simple & intuitive earn products so that anyone can easily multiply crypto assets.

  • Q What are key features of the ICONFI products?
    - Deposit/Withdraw any time Interest(APY) Deposit period
    Flexible Yes Up to 3.56% N/A
    Fixed No Up to 11.63% 30 days, 90 days,
    180 days
    ICX Staking No
    (Lock-up based on
    the ICON Network)
    Same as the ICON
    network reward rate
    N/A

    * APR denotes the annual interest rate. Actual rates are higher thanks to compounding effects.

  • Q Is interest compounded?

    - Yes - for both Flexible and Fixed products, interest is compounded every 4 hours - more often than any other competitors.

    * Interest for flexible products will begin to accrue 24 hours after the deposit is reflected into your account.

    - Yes - for ICX staking, automatic compounding is achieved according to the network reward cycle.

  • Q What crypto assets can be deposited?

    - We currently support USDT, USDC, BTC, and ETH for earn products, and ICX for staking products. Additional crypto assets will be supported in the future.

  • Q How long does it take to withdraw?

    - Withdrawal processing relating to the Flexible products (BTC/ETH/USDT/USDC) will be done in one batch, once a day, and may take up to one full day depending on the timing of the individual withdrawal request.

    - For ICX staking wallets, withdrawal processing relating to fully unstaked ICX tokens will be processed instantly, up to the daily withdrawal limit. More information regarding the estimated unstaking period can be found at https://icon.community/.

    - When using Fixed products, your funds (plus earned assets) will be automatically transferred into the flex product on the end date.

    - For security reasons, withdrawals are suspended for the following situations:

    1. 72 hour duration after account sign up

    2. 48 hours after OTP initialization (in the event of OTP loss)

    3. 24 hours after password reset/change

    4. 24 hours after OTP reset/toggle

  • Q Is the yield rate fixed?

    - Interest rates are subject to change depending on the market conditions and will be announced from time to time. Interest rates for fixed term products will be guaranteed until the end of the applicable period. For users who use automatic renewal function, the then-applicable rates will be used for subsequent periods.

    - Rewards for staking products will be dependent on the individual network reward rates.

  • Q How often can I withdraw the assets?

    - For flexible products, withdrawal can be requested on any day.

    - For fixed products, Your assets are transferred automatically into your flex product on the end date.

  • Q What are the minimum & maximum eligible deposit amounts for the flexible products?

    - There are no minimum / maximum deposit amounts that can be deposited.

    - Please refer to the below table for the minimum/maximum deposit amounts for flexible product interest eligibility.


    Type Minimum Maximum
    USDT / USDC 300 100,000
    BTC 0.01 3
    ETH 0.3 100

    - Minimum & maximum deposit amounts for fixed products can be reviewed on the individual product page on the ICONFi app.

  • Q What is staking?

    - Staking product is a service that generates interest on the blockchain network using the staking mechanism available on individual networks. ICONFi simplifies the staking services for users – for example, only 2 clicks are needed to use ICONFi’s ICX staking service.

  • Q What are the daily withdrawal limits?

    - Max Withdrawal /day

    Type KYC
    USDT / USDC 300,000
    BTC 10
    ETH 300
    ICX 1,000,000
  • Q What is the withdrawal fee?
    Type Withdrawal Fee Minimum Withdrawal Amount
    USDT / USDC 5 10
    BTC 0.0002 0.0004
    ETH 0.005 0.01
    Others

    It depends on the network.

    Please refer to ICONFi app.

    It depends on the network

    Please refer to ICONFi app.

  • Q What is the registration process?

    - You can sign up by email, and opt-in for 2FA (Google OTP/Authy) and KYC process to ensure the safety of your assets.

    - Users under the age of 19 are prohibited from using our service and will be subject to account closure and reporting.

  • Q Is KYC required?

    - KYC is not required for the use of the ICONFi app.

  • Q How does ICONFi manage assets?

    - ICONFi’s asset management team leverages technology, research, and risk management to identify strategic market opportunities, employing various strategies including both arbitrage trading (using both spots/futures), and specialized algorithm trading create enhanced yields. The ICONFi team has deep institutional experience managing capital across digital asset classes both directly and indirectly, strong relationships with institutional service providers and counterparties, and exceptional connectivity throughout the broader digital assets ecosystem.