Earn up to 14% APR passive income while you sleep
Receive a fully insured, predictable daily interest on your idle crypto funds. Up to 12% on BTC and ETH, 13% on BNB and SOL, 14% on USDT and USDC paid out to you on crypto you deposited. Choose between 1-day and 1, 3, 6-month lock-in periods to get higher rates.
Daily Payouts
Don’t work for money. Let your money work for you all day long and while you sleep, bringing you a steady daily passive income. With Fulcrum not only you get daily payouts, you can withdraw your payouts daily.
Predictable Rates
We don't change our rates according to market conditions. Because unlike other platforms, our business model doesn't depend on markets. All of our interest rates are our yearly defined so they won't change throughout the year and lock-in periods.
Fully Insured & Licenced
Unlike other platforms we don't provide partial insurance or insurance that rely on third parties. We provide full insurance for your funds.
Fulcrum Clients Earn Predicably More
Deposit your crypto and start earning daily with fully-insured, high and predictable returns paid out to you on crypto you deposited. Unlock the benefits of longer term lock-in periods to earn more.
1-day lock-in
Up to 6%
• 2% on BTC, ETH
• 3% on SOL, BNB
• 4% on USDT, USDC
1-month lock-in
Up to 8%
• 6% on BTC, ETH
• 7% on SOL, BNB
• 8% on USDT, USDC
3-months lock-in
Up to 12%
• 10% on BTC, ETH
• 11% on SOL, BNB
• 12% on USDT, USDC
6-months lock-in
Up to 14%
• 12% on BTC, ETH
• 13% on SOL, BNB
• 14% on USDT, USDC
The strategy? Simple.
We work pretty much the same as the traditional banks. Unlike many crypto yield products that rely on high-risk trading strategies, we generate returns exclusively from our lending activity providing over-collateralized loans, ensuring a lower risk profile for investors. This means your deposits are used to fund secured loans, not volatile trading ventures. Your deposits are held in full reserve and never leveraged—your crypto is always protected and not exposed to additional risk.
The backbone of our business is insurance. In addition to yearly premiums, we pay half of what we earn from each deposit to our insurance provider. In our business model, the insurance provider is not a third party but our direct partner that daily earns from the platform.
So, when you make a BTC deposit to your interest account for a 1-month lock-in period, the 6% interest you receive comes from the 16% interest a borrower pays for his credit. We earn 5% from this to continue providing our service; our insurance provider earns 5% to continue providing your deposit's full insurance. When the lock-in term gets increased, the interest you receive increases because we and our insurance provider can earn more stably.