Achieve 1-Year Savings Goals with Term Vault

A traditional term saving account offers simplicity with predictable returns, but with the Fixed Term Vault, we go beyond these limits!

Our Term Vault offers a more innovative and diversified approach with the potential for higher returns by leveraging the opportunities offered by digital assets and our mining program (Cloud Mining).

Our Term Vault allows you to generate gains with annualized returns of up to 7%* per year (10%* with our Ambassador program), surpassing the investment offers from traditional finance.

Enjoy returns calculated and credited daily, 365 days a year.

• You have the choice to deposit in EUR or USDC.
• Once the deposit is made, the EUR or USDC are exchanged for various tokens, the nature of which is determined by the type of investment compartment in the Term Vault Allocation. In other words, in exchange for these EUR or USDC, you will receive various tokens linked to the investment compartments recommended by the Term Vault Allocation. This conversion is carried out through an OTC (Over the Counter) mechanism.
• The Term Vault Allocation is specified on the confirmation page of each deposit and can be consulted at any time in the "How it works" section of the application.
• The Term Vault Allocation indicates the current distribution in a given Term Vault of the deposit between (i) an EUR reserve, and different investment compartments linked (ii) to Digital Assets, and (iii) the Mining Program or Cloud Mining (**) as defined in article 4.2.8 of these Terms of Use.
• Through this diversified strategic allocation, RAYN is able to offer a compound rate of 7% to 10%* per year depending on membership in the ambassador program.

**RAYN Cloud Mining Program

RAYN, through its subsidiaries, has established partnerships with industry professionals (notably Hearst and/or Bitmain) to offer bitcoin mining services (the "Cloud Mining Program") to its users. Bitcoin mining is a process that creates new bitcoins using the computing power of significant machines to solve complex mathematical problems through a mechanism called proof of work (PoW). The Mining Program allows users of the Term Vault to rent this computing power (hashrate) from mining machines owned by RAYN's subsidiaries and operated by RAYN's Partners ("Cloud Mining"). In return, users receive daily rewards in bitcoins, which are then converted into EURC by the relevant service provider (the "Mining Rewards").

Please note that deposits made into the Term Vault are locked for 12 months. All deposits made during a one-month period will be released on the first day of the following month, one year later.

Please note that these returns are not fixed and may vary depending on market conditions.

The protection of your funds is our top priority. To guarantee this security, our savings vaults leverage blockchain technology, providing a decentralized (on-chain) solution. This decentralization ensures greater transparency for our users and increased resistance to fraud attempts.

Our Term Vault combines the simplicity and accessibility of centralized finance (CeFi) with the transparency and security of decentralized finance (DeFi). This hybrid model (CeDeFi) not only allows for efficient diversification of your investments but also ensures more secure and transparent management of your funds.

Our goal is to offer you returns that exceed those typically offered by traditional finance. We achieve this by diversifying your investments into higher-yielding digital assets. This diversification, made possible by blockchain technology, allows us to reduce risks while maximizing potential gains.

The security of your funds is enhanced by non-custodial management, ensuring strict segregation of our users' assets from the company's funds. As a registered VASP (Virtual Asset Service Provider), we are committed to complying with French and European regulatory requirements related to our status as a regulated entity.

By choosing our Term Vault, you benefit from a technology that is reshaping the landscape of financial investment, offering our users a strategic investment diversification in line with our environment while rigorously respecting the security standards imposed on us by our status as a regulated entity.

Your earnings are credited daily! However, only the investment compartments actually held in your Term Vault will generate interest.

If you make a deposit in the Term Vault, your earnings will start to be paid from the following day. This allows us to collect your funds and invest them in the different allocations.

If you make your deposit after the daily interest payments have been triggered, the first payment will be made two days later. This is due to the time required to collect and make your funds available.

You can create only one Term Vault.

The average time for a deposit or withdrawal is between 10 seconds and 1 hour.

There may be a delay between when you make a deposit or withdrawal in EUR or USDC into a Term Vault, and when you receive the tokens representing your effective subscription to investment compartments, as described in the FAQ "How does it work".

You will be notified via push notification of the status of your deposit or withdrawal, especially if part of the investment compartments could not be subscribed.