Clapp has officially launched its Fixed Savings product, targeting long-term cryptocurrency holders and risk-averse savers seeking predictable returns. The new offering is designed to complement the platform's existing Flexible Savings, creating a dual-path savings model that caters to different user strategies and time horizons.
The core premise of Fixed Savings is straightforward: users commit their assets for a predefined term and receive a guaranteed Annual Percentage Rate (APR) that is locked in for the entire duration. This structure is designed to eliminate the uncertainty of fluctuating yields common on other platforms. Available terms range from 1, 3, 6, to 12 months, with longer commitments offering higher APRs. An auto-renewal feature is available for users who wish to reinvest their principal and interest automatically.
The product supports a mix of fiat-linked and crypto assets with tiered returns: EUR, USDC, and USDT deposits can earn up to 8.2% APR. For crypto-native assets, Ethereum (ETH) deposits offer up to 6% APR, while Bitcoin (BTC) deposits offer up to 5% APR. These rates are positioned for holders who already plan to keep their assets idle and want to monetize that time with certainty.
The product comes with clear trade-offs, which Clapp emphasizes. There is a minimum deposit requirement of approximately $250 USD. Crucially, early withdrawals are penalized; users who exit before the term ends will have their principal returned but will forfeit all accrued interest. This makes the product unsuitable for those needing short-term liquidity.
In a related 2026 market review, Clapp's dual-savings approach was highlighted as a standout for its clarity and user-centric design. The review contrasted Clapp with other major platforms like Nexo, Binance Earn, Ledn, and Coinbase, noting that while some may offer higher yields or broader asset support, they often come with more complex conditions, tiered loyalty systems, or less predictable rates.
Clapp's broader strategy focuses on EU-centric features, including SEPA Instant for EUR deposits and its status as a registered Virtual Asset Service Provider under EU AML standards. The launch of Fixed Savings reflects a maturing crypto savings market where products are becoming more specialized to match distinct user profiles—from those prioritizing daily liquidity to those seeking stable, long-term yields.
