Earn Up To 6.92%
On Your Cash
The Cash Yield Account is a safe way for you to earn high interest on your cash savings.
Accounts can be held in USD, AUD, and EUR.
The account has no lockups, no upper balance limits, no transfer limits and is held with institutional grade security.
This is a managed account where you control your deposits and withdrawals, and the portfolio is done for you to produce safe, stable returns. Book a free consultation to talk with our team now.
Cash Yield Account
Why Open An Account?
Enjoy the best custody and banking infrastructure so you don't worry about transfer limits, managing wallet security, hidden withdrawal fees, losing your password or getting hacked.
Cash has very low volatility and has high demand. When you wake up in the morning you don't have to worry about any big swings in your portfolio because it's stable.
Bank interest is at record lows and the stock market is volatile. You can now earn high interest rates by using the exact same cash so you preserve the value of your money while it works for you.
Your account is held in your name with all assets owned and controlled by you. This means no danger of losing your account to a scammer or a government printing “free money"
The Cash Yield Account accepts deposits in multiple currencies. Click your deposit currency below to see the current savings interest rate.
Who Is This For?
This is for you if you:
- 1Want 'Done For You' Service
We manage everything for you in regards to digital assets, security, custody, technology, insurance and reports. Your cash is in a managed account owned by you.
- 2Can Deposit $50,000 Or More
We have no upper limit and deal comfortably with very large deposits. Our minimums allows us to give better service so you can pick up the phone and talk to us when you need to.
- 3Want To Preserve Wealth
Your account generates high interest on using digital USD. There's nothing complicated. It's safe and reliable. There's no speculating.
Investors are faced with multiple problems when preserving the value of their cash.
Cash Is Losing Value
Central banks are printing more money than ever before. This makes your savings worth less. The value of the USD has lost over 97% in the last century.
A typical term deposit in the USA produces 0.30% interest. The USA inflation rate beginning in 2021 is 1.40% according to Trading Economics. This means storing your money in a bank loses approx 1.10% in value each year.
In this example, every $1,000,000 would lose -$11,000 in value due to inflation.
In the Cash Yield Account, every $1,000,000 would produce up to $56,000 more than the inflation level. A sharp contrast.
In order to keep the value of your money you must deposit it where the interest rate is higher than inflation.
Very Low Interest Rates
A Wells Fargo business platinum savings account in 2021 produced 0.10% interest for account holders. This is lower than inflation.
Higher interest rates are available to those who deposit $1 million or more however these rates still rarely cover the rate of inflation.
In this example, every $1,000,000 would produce $1,000 income.
In the USD Digital Savings Account, every $1,000,000 would produce up to $70,000 income. This is another stark contrast because the difference is the amount of a full time salary.
Which would you rather for the same risk?
Money Not Working For You
When you open a term deposit account, you're often faced with locking up your cash for 6 to 12 months or longer, and get very little reward for doing it.
The opportunity cost on this cash is high because there are not many alternatives available.
Exchanges & Wallets Get Hacked
Storing your digital assets on exchanges makes them a vulnerable target for an attack. Investors who do this themselves must be up to date with the latest security protocols.
Physical wallets have been proven to be hacked in just 15 minutes.
It's important you know the risks of your account providers when you manage your own security because you don't want to wake up one day with all your assets gone like the experience of Mt Gox where billions where stolen.
For investors who want maximum safety the only solution is institutional grade security and custody.
More Uncertainty Than Ever Before
Warren Buffet and Ray Dalio and many other large investors say the stock markets are overvalued and the globe is heading into economic turmoil.
The USA government admits the pension systems are running out of money at an alarming rate. Retirees are faced with a lack of options on generating safe returns to live on.
Preserving your capital and generating a safe returns has never been more important.
The Cash Yield Account solves these problems in a completely done for you solution so you can capture the high interest from digital cash.
High Demand Of Cash Backed Digital Currency
The growth in digital assets is nothing short of staggering, and has created a high demand for USD backed stablecoins as a low volatility safe haven.
USD backed digital currencies have grown into a more than $50 billion market so far, and growth isn't slowing down. The digital asset space has also matured to the point where there are now robust credit and interest rates markets.
This situation has created a unique opportunity where you can hold digital USD cash and get paid a handsome yield for safely lending it to institutions, just like you do with a regular bank account to earn interest.
Why Banks Can't Do This
Banks cannot do this themselves because it will take years before they have the technology infrastructure to do transactions in digital USD stablecoins.
Banks will take a long time to adopt them because the centralized profit making businesses. This conflicts with digital assets which are built to support a decentralized financial network where profits are distributed back to the people.
Maximum Account Safety and Security
All Viva accounts are built on the Fireblocks platform. All funds transfers are registered with Austrac (the money laundering regulatory body in Australia).
This technology is used by banks and hedge funds and large institutions to manage digital asset security. So far, they've transfer $400 billion of digital assets.
What this means is your account is safe, held in your name, you control all deposits and withdrawals, and it's backed by the best security available today.
How It Works
Earn Much More Than Bank Interest
A bank pays interest to you by lending your USD deposits via safe loans to other customers.
The Cash Yield Account pays interest to you by lending your USDC as safe loans to institutions, just like a bank would, but with digital USD.
When you transfer funds into your account, our team converts it into USDC so you're eligible to earn the high interest. Your balance stays in USDC until you wish withdraw it.
Interested is generated through lending and basis trading. Because USDC is stable, there is no volatility above normal cash levels.
The high interest rates exist because the demand of USDC lending is very high and will be as long as there is demand for lending in digital assets.
The USD Digital Savings Account is flexible and has no lock up terms which means you can deposit or withdraw at any time with regular notice to our team.
This is great if you want to buy a house or a car and need to withdraw some money.
The interest rate is variable depending on market demand. If the rate goes down, you get paid less. If it goes up, you get paid more. Simple.
Demand is so high, many of the loans are often over-collatoralized which means a person may need a balance of $1,300 to borrow $1,000. This means it's arguably safer than banks.
On top of that, the USDC is regulated, audited, and every dollar is backed by $1 of USD so it's almost identical to holding cash in your account.
What this means is your cash is safe, and your returns are safe so you can sleep sound at night knowing your money is working for you
Hedge Currency Risk
If you deposit a non-USD currency, it is automatically hedge to remove your currency risk. This hedge equals the value of your deposit and is completed at the spot rate the currency your depositing.
This means even if you don't own USD you can benefit from the high interest rate safely.
This portfolio holds the USDC and the volatility is the same as holding cash. It's designed for wealth preservation and high liquidity so you can pull your cash out when you need to without any penalties.
Your managed account is secured with MultiParty Computation (MPC) technology through our custodian, which allows multiple parties to each hold secret information needed to solve the puzzle of accessing your account.
This makes hacking highly expensive and nearly impossible. Your account with Viva is a truly secure environment for storing, transferring, and issuing digital assets.
How It Compares
How To Open An Account
- 1Book A Free Consultation
Click the blue button on this page.
- 2Do The Online Application
Upload your ID and sign the docs.
- 3Deposit Funds
Transfer USD, AUD, or EUR like normal.
Open Your Account Now
Click the button to schedule a call and talk to our team.
Your account is very safe.
First, it's built on the Fireblocks platform which is the industry leading technology for fraud prevention and security for digital assets. They're responsible for over $400 billion in asset transfers and are used by the biggest banks, hedge funds, and finance institutions. Your account is also on their security which prevents hacking, fraud, theft so you can sleep sound at night.
Also, your account is held in your name, so no one can just take your money. You have control over all deposits and withdrawals. You see your balance 24/7 when you login online, just like a bank account.
You can call or speak to our team at any time. We'll help you on the phone or Zoom video calls to open your account or provide support after you've opened your account.
We often screen-share on Zoom to help people do the digital or technical stuff so it's easy for them.
After your account is open, you'll also have direct contact with an account manager who you can talk with for support, when you need.
Banks cannot do this themselves because it will take years before they have the technology infrastructure to do transactions on digital currencies.
Digital assets were made to support a decentralized financial network where profits are distributed back to the people. Banks are not interested in that.
The current rates will also only be available while there is high demand, which is for the next few years.
It's very similar to opening a bank account but a bit easier. First, book a consultation so we can speak with you about your needs. Then'll we'll help you do the following:
1 Open your account online. This is where you upload your documents and identification.
2 Fund your account with a regular bank transfer.
3 Login to your wealth portal to check your balances 24/7.
The process is very similar to a foreign exchange transaction. E.g. If you go from the United States to Australia for a holiday, you would have to convert USD into AUD through an exchange to spend locally. Or your credit card does it automatically for you.
The process of converting money to digital money is the same. If you deposit in USD, we convert that to USDC through an exchange that is fully regulated, and audited. Our team does all of this for you when you open an account so you don't have to worry about the technical trading.
USD Coin (known by its ticker USDC) is a stablecoin that is pegged to the U.S. dollar on a 1:1 basis. Every unit in circulation is backed up by $1 that is held in reserve, in a mix of cash and short-term U.S. Treasury bonds. The Centre consortium, which is behind this asset, says USDC is issued by regulated financial institutions.
The stablecoin originally launched on a limited basis in September 2018. Put simply, USD Coin’s mantra is “digital money for the digital age” — and the stablecoin is designed for a world where cashless transactions are becoming more common.
USDC is a safe haven for digital asset traders in times of volatility, those behind the stablecoin say it can also allow businesses to accept payments in digital assets, and shake up an array of sectors including decentralized finance.
The key differences between regular USD and USDC is how and where it is used. USDC is used in the digital asset market space because it is easier to transact with than regular USD.
To maximize the yield, we can only generate interest in the currency with the most demand. This is the USDC.
In order to remove the risk we hedge out the currency risk of non USD currencies which comes at a cost. This is why the interest rate on non USD currencies will always be slightly lower.
It's much better if our team does this instead of you having to worry about your own currency risk.
$199.00 account setup fee for new customers.
The Cash Yield Account is more flexible than a term deposits. The interest rates are variable based on the market. They also have no lockup period so you can withdraw your money if you need.
Term deposits work by locking your money away for a certain timeframe (or ‘term’) in exchange for a fixed interest rate return at the end of that term. A general rule of thumb is the longer the term, the higher the interest rate.
No. This account is designed for the purpose of generating interest only. You are unable to pay bills with it to do any spending from it. The only transactions you can do are deposits and withdrawals.
$50,000 USD or equivalent.
When our trading desk completes a trade for you, your account will be charged the wholesale rate to enter the market. We do not markup this fee. Most brokerage or retail accounts charge between 1-5% commissions to enter and exit trades. We do not encourage frequent trading and the wholesale commissions are usually approx 0.5-0.7% on a trade.
Because our trading is done over the counter (OTC) we can clear large blocks of up to $20 million at a time without issue which cannot be done on a retail platform.
The account has a $50,000 minimum initial funding balance. After that, the minimum for deposits and withdrawals is $10,000. There is no maximum to deposit or transfer (unlike retail providers) and your account can handle very large sums.
We have a service to help you prepare an appropriate IRA structure to make an investment if you need.
You own the account. We only have access, with your permission, to manage your account. You are in control of your deposits and withdrawals.
No. This is a high interest savings account not a spending account.
A managed account is a portfolio managed by an investment professional that is entirely owned by the individual investor. This means your assets are always owned in your name.
If you lose your password, we can help you retrieve it. It would take 3 independent parties to lose their passwords and their backups of their own password, at the exact same time for there to be a problem. If this happens, the world has bigger problems.
You receive a once per month report and annual financial statement.
You can also log in at any time to check your returns.
Interest is paid in USDC and reinvested back into your account so you get compound growth on your interest over time.
You still have 100% ownership and direct access to your assets because it’s in your own account, however our service would stop. You'd be able to withdraw your funds just like normal.
Open Your Account Now
Click the button to schedule a call and talk to our team about opening an account.