Fixed Plans offer a stable, predetermined interest rate for a set period. Funds are locked until the end of the term, and interest is credited in full at maturity. Flexible Plans allow users to withdraw funds at any time while still earning interest. The interest rate may change over time, and earnings are calculated hourly and credited daily.

In Flexible Plans, interest is calculated hourly and accumulated throughout the day. The total earnings are credited daily to the user’s Main Balance. In Fixed Plans, interest accrues over the entire term and is paid in full at the end of the selected period.

Yes, but it depends on the plan type: Flexible Plans: You can withdraw part or all of your funds at any time without losing previously earned interest. Future earnings will be adjusted based on the remaining balance. Fixed Plans: Early withdrawals are possible but result in the loss of all accrued interest, and only the initial deposit is returned.

Auto-Savings is an optional feature available for Flexible Plans that automatically reinvests daily earnings back into the deposit. This enables compound interest growth, increasing long-term returns. Daily earnings are credited from 00:00 to 00:10 UTC. The exact amount is reinvested at ~00:15 UTC. The new deposit balance starts accruing interest from 01:00 UTC. Users must enable Auto-Savings before creating a plan and accept the disclaimer before activation.

Fixed Plans: The interest rate remains the same throughout the entire term. Flexible Plans: The interest rate may change based on market conditions. If the rate is adjusted, new earnings will be calculated according to the updated rate while preserving previously accrued interest.