For many crypto holders, the biggest inefficiency is not market timing—it is idle capital. Bitcoin, stablecoins, or even euros often sit unused in wallets while earning nothing. In 2026, that approach increasingly looks outdated.
Crypto savings accounts now allow users to earn yield without trading, leverage, or complex DeFi strategies. Among these options, Clapp Flexible Savings takes a notably simple and transparent approach. This article explains how the product works, what problem it solves, and who it is designed for.
Holding crypto long term is common, but idle assets come with an opportunity cost. Traditional options to earn yield—staking, lending, or DeFi protocols—often introduce friction:
Lock-up periods that limit access
Variable or unclear interest rates
Complex mechanics that are hard to evaluate
Uncertainty around custody and compliance
As a result, many users choose to do nothing, even when they hold assets they do not plan to trade. Flexible savings products aim to solve this gap.
Clapp Flexible Savings is a crypto savings account designed for passive income with full liquidity. It allows users to earn interest on their balances without locking funds, staking tokens, or interacting with DeFi protocols.
The core idea is straightforward: you deposit eligible assets, interest accrues daily, and you can withdraw at any time.
Interest is calculated and credited every day. There is no waiting period or activation threshold—once funds are deposited, yield starts accruing immediately.
Funds remain fully liquid. Users can withdraw or move their assets at any time without penalties or reduced rates. This makes the product suitable for both long-term holders and users who may need quick access to capital.
Clapp offers 5,2% APY on stablecoins and EUR, clearly displayed in the app. There are no tiers, no loyalty levels, and no “up to” rates. The rate shown is the rate earned.
The entry point is intentionally low. Users can start earning with as little as 10 EUR, USDC, or USDT, making the product accessible beyond high-balance investors.
Clapp Finance operates as a registered Virtual Asset Service Provider (VASP) in the Czech Republic, under EU AML and compliance standards.
For custody and asset security, Clapp uses Fireblocks’ institutional-grade infrastructure, a widely adopted solution across regulated crypto platforms.
While no yield product is risk-free, regulatory alignment and institutional custody significantly reduce operational and custody-related risks compared to unregulated alternatives.
Compared to other approaches:
Staking requires network lock-ups and only applies to proof-of-stake assets
DeFi protocols demand technical expertise and expose users to smart contract risk
Tiered lending platforms often advertise high “up to” rates that depend on conditions
Clapp takes a different route: fewer variables, fewer decisions, and fewer restrictions.
Clapp is best suited for users who value:
Predictable returns
Full liquidity
Clear product terms
Simple setup and low maintenance
It is particularly relevant for professionals, long-term investors, and users who treat crypto as part of a broader financial system rather than a speculative playground.
Idle crypto no longer needs to stay idle. As the market matures, the focus is shifting from chasing the highest possible yield to earning reasonable returns with clarity and control.
Clapp Flexible Savings reflects that shift. By offering daily interest, instant access, transparent rates, and native EUR support, it turns unused balances into a functional savings layer—without forcing users into complexity or long-term commitments.
Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
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