Direct investment
A placement, not a loan: lock up funds from your available balance for a daily return that tracks the market, with no collateral and no credit issued.
Choose a basket
RWA strategy (tokenized industrial metals and commodities) or one of five stock baskets, from the most conservative to the most aggressive: several return profiles to choose from.
Place funds
From your available balance, with no high minimum or imposed term.
Compounded daily return
Calculated every day from the market: it can be negative on an unfavorable day.
Withdraw anytime
Capital and accrued return are paid back in full to your available balance, with no notice.
Who can invest?
Individual accounts
Open to any verified (KYC) client, regardless of profile, with no professional-status requirement.
Business accounts
Also available to Business accounts, alongside the direct credit already reserved for them: the two products coexist, never one instead of the other.
The same six strategies for both profiles: tokenized industrial metals (platinum, palladium, copper, synthetic oil) and real stock market shares (Apple, Microsoft, NVIDIA, Amazon, Coca-Cola, and other listed stocks).
How the return works
No return shown on this page is a made-up figure: every basket and plan relies on real prices and explicit dividend assumptions, recalculated every day.
Daily compounded return
Each day, the return applied combines an indicative dividend target specific to the basket and the real market move that day (real prices, never an invented figure). It's added to the previous day's capital before the next day's calculation, and can be negative on an unfavorable day.
A dedicated investment balance
Invested funds come from an investment wallet separate from your main balance. You transfer money into it internally before you can invest it: never a direct on-chain deposit into this wallet.
Two ways to invest
The six baskets below can be withdrawn in full at any time, with no notice. The six fixed-term plans, on the other hand, lock funds until their maturity (3, 6 or 12 months), with no early withdrawal possible, in exchange for a predefined composition.
Six baskets to choose from
Each basket has its own composition, its own risk level and its own indicative return target, with no hierarchy between them: some overlap in holdings between baskets is expected.
RWA strategy
Risk 2/5 · ConservativeThe same treasury strategy as the bank's own, on tokenized industrial metals and commodities (platinum, palladium, copper, synthetic oil), now open to your capital.
8.58%/year indicative
See the 3 pillars of the strategy in detailStock basket
Risk 4/5 · DynamicFive listed stocks with a historically regular dividend: Apple, Microsoft, Johnson & Johnson, Procter & Gamble, Coca-Cola.
2.5%/year indicative + the basket's movement
Conservative basket
Risk 1.5/5 · ConservativeFocused on capital preservation and stable dividend payouts.
Composition: Coca-Cola, Johnson & Johnson, Procter & Gamble, Berkshire Hathaway
2.1%/year indicative + the basket's movement
Balanced basket
Risk 3/5 · ModerateAn optimal combination of technology giants and the healthcare sector.
Composition: Microsoft, Apple, Eli Lilly, Amazon
0.5%/year indicative + the basket's movement
Tech & AI basket
Risk 4.2/5 · DynamicTargets the leading companies in the artificial intelligence market.
Composition: NVIDIA, Broadcom, Meta Platforms, Alphabet
0.6%/year indicative + the basket's movement
AI & Storage Momentum basket
Risk 4.8/5 · DynamicCompanies showing the strongest recent revenue acceleration.
Composition: Micron, SanDisk, Dell Technologies, Palantir
0.5%/year indicative + the basket's movement
Six fixed-term plans
A second way to invest, alongside the baskets above: each plan combines holdings already covered by our baskets (sometimes mixed together, or with exposure to the RWA strategy), locked until the chosen maturity.
Dynamic Treasury
3 monthsShort-duration formula based on defensive dividend stocks (Coca-Cola, Procter & Gamble, Johnson & Johnson) and exposure to the RWA strategy on tokenized industrial metals.
4,25 %/an indicative
Chips & AI Memory
6 monthsOptimized for the semiannual cycles of server and data-storage orders (Micron, SanDisk, Dell Technologies).
0,68 %/an indicative
Core Balanced
1 yearA balanced combination of safe-haven stocks and technology giants (Microsoft, Apple, Eli Lilly, Berkshire Hathaway).
0,48 %/an indicative
RWA & Metals Strategy
1 yearThe same treasury strategy as the bank's own, backed by tokenized industrial metals and commodities (platinum, palladium, copper, synthetic oil).
8,58 %/an indicative
AI & Cloud Leaders
1 yearDirect exposure to the world's artificial intelligence and cloud giants (NVIDIA, Broadcom, Meta Platforms, Alphabet).
0,53 %/an indicative
Alpha Momentum
1 yearSeeks performance from companies with the strongest recent acceleration (Palantir, Dell Technologies, Micron, SanDisk).
0,51 %/an indicative
Actually available to subscribe from your client area, once your account is open. No early withdrawal is possible once the deposit is confirmed.
A real placement, a real risk
Unlike the collateral's yield, which only ever repays on price gains, direct investment can lose value: the daily return tracks the market and can be negative. The indicative return targets shown are never a performance guarantee.
Frequently asked questions
Who can invest: individuals, businesses, or both?
Both. Unlike direct credit, which is reserved for Business accounts, direct investment is open to any verified (KYC) account, individual or professional, from $10 per deposit.
Is the displayed return guaranteed?
No. It's an indicative target based on a strategy assumption; the return applied each day depends on the market and can be negative.
Can I withdraw my funds at any time?
Yes, with no notice or penalty. Withdrawal is always full (capital + accrued return); partial withdrawal isn't offered at this stage.
What's the difference with collateralized credit?
Collateralized credit lends you money against collateral. Direct investment, conversely, locks up your own money in exchange for a return: no credit is issued, no collateral is required.
Why a separate balance to invest?
The investment wallet stays distinct from your main balance (the one for collateralized credit) for clear traceability. You transfer funds into it internally, never a direct on-chain deposit into this wallet.
Can I withdraw a fixed-term plan before maturity?
No, no early withdrawal is possible once the deposit is confirmed: funds (principal + accrued return) are automatically paid out at the chosen maturity, with no action needed from you.
How is the displayed return calculated?
For stock baskets: an indicative dividend target specific to the basket, plus the real market move that day. For the RWA strategy: the average of 3 treasury pillars (arbitrage, collateralized lending, liquidity provision).
What does the displayed risk level mean?
An indicative classification on a scale of 1 to 5 (an editorial assumption, never a score calculated live from measured volatility), from the most conservative to the most dynamic, to help you compare baskets and plans against each other.