๐ฆ Savings Vault
Reliable storage and growth of your funds in the CashFlow ecosystem
What is the Savings Vault (Sberkassa)?
The Savings Vault is a digital savings wallet inside the Money Storage ecosystem. It accrues daily interest on your balance, allows free top-ups and withdrawals โ without bureaucracy or account freezes.
- Daily interest accrual โ even for a single day of storage
- Withdraw funds at any time without restrictions
- No questions about the source of your funds
- User data is not shared with third parties
- Multi-currency support including cryptocurrencies
Storage Rates (daily accrual)
Interest is calculated daily. Even one day of storage earns a return.
| Currency | Daily rate | Annual equivalent |
|---|---|---|
| RUB โฝ | 0.02% | 7.57% |
| EUR / USD | 0.01% | 3.71% |
| BTC โฟ | 0.005% | 1.84% |
Fixed-term deposits (higher rates)
Locking funds for a fixed period gives significantly higher rates.
RUB โฝ
11% โ 22%
Annual rate
EUR / USD
4.6% โ 14%
Annual rate
BTC โฟ
2.2% โ 6%
Annual rate
How is it different from a bank?
| โ Bank | โ Savings Vault |
|---|---|
| Can freeze your account | No freezes ever |
| Asks about source of funds | No questions asked |
| Withdrawal restrictions | Withdraw anytime |
| Shares data with authorities | Full confidentiality |
How to top up the Vault
- 1 Open the "Top Up" section in your Money Storage cabinet
- 2 Enter the amount and select currency (for USDT, choose TRC-20 or ERC-20 network)
- 3 Click "Top Up" โ a wallet address and QR code will appear
- 4 Send funds from your exchange or crypto wallet to that address
- 5 Click "I Paid" โ funds will be credited automatically
๐ก The wallet address is permanent โ you can top up any amount at any time.
How to withdraw funds
- 1 Go to the "Withdraw" section in your wallet
- 2 Enter the amount and specify the recipient's USDT TRC-20 address
- 3 Confirm the transaction
- 4 Funds arrive at your address โ exchange on any exchange if needed
Difference from a Flow
The Savings Vault is not a flow. It's interest-bearing storage. Flows (Fast Flow, Growing Flow, etc.) are separate products with higher returns but a fixed term and a 300% payout cap. The Vault is for those who want to store funds without committing to a fixed term.