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Flexible Account: What it is and how does it work?
Flexible Account: What it is and how does it work?

Deposit your assets to Flexible Account and earn up to 6.2% annually. The minimal holding period is one day.

Sofia avatar
Written by Sofia
Updated over a week ago

The CoinLoan Flexible Account works similarly to a bank savings account. You deposit funds and start getting interest.

Available assets

Here is the complete list of currencies available for earning interest on Flexible Account:


Stablecoins: USDT, USDC, PAX (USDP), TUSD, BUSD, and DAI

Other currencies: сEUR, and сGBP*

*When you use EUR or GBP in your Flexible Account, we operate with cEUR and cGBP internal tokens, respectively. Check our article for more info.

You can have multiple assets held on CoinLoan’s Flexible Account simultaneously. We have no limit on your earnings.

Interest rates

Please see our article with the current rates.

Minimum deposit amount

We have a minimum deposit amount for a Flexible Account. Please see the list of all available assets and their minimum deposit amounts in our article.

Note: If you deposit a minimum amount of the asset and then withdraw a part of it, making it less than the minimum required amount, interest won’t be accrued.

Minimum and maximum holding periods

The minimum holding period in any asset is one day: you will get your first daily accrual after one day of holding assets.

The maximum period is up to your own discretion.

Refer to our article for more details.

Deposits and withdrawals

You need to deposit some funds to start getting interest. See our guide on depositing assets to Flexible Account for more info.

As for funds withdrawals, check our guide on withdrawing assets from Flexible Account. We have no early withdrawal fees or penalties.

How much interest will I get?

If you create a Flexible Account, there’s no fixed sum you will get, as you can withdraw funds anytime. The interest amount depends on your balance and holding time. The rate you see on the platform is Annual Rate. You obtain Annual Rate in full if you hold an asset on your Flexible Account and don’t make any withdrawals within a calendar year.

If you hold funds for less than a year, we sum up all the scheduled Daily Accruals and credit aggregated interest to your Flexible Account balance. Then we calculate further daily accruals based on the new balance of your Flexible Account. This combination of monthly earnings gives a compound effect.

To learn more, please refer to our article about the different calculation formulas we use.


You can see all your Flexible Account related transactions in the Transactions module of the Flexible tab. There you can see deposits, withdrawals, and accrued and credited interest. Daily accruals will show up in Transactions every day at 14:00 UTC but will remain in the pending status until credited on the first day of the month at 14:00 UTC. Then all daily accruals will change their status to Complete.

Transactions in Flexible tab – Web platform

To check your Flexible Account transactions in the mobile app, press the three dots icon in the Wallet menu and tap the Wallet History option.

Three dots icon in Wallet menu – Mobile app

Wallet History option – Mobile app

How CLT Staking works

The staking mechanism calculation is fixed. Interest rates in Flexible Account increase by 0.05% with every 125 CLT you hold:

  • 125 CLT raises your Interest Account rates by 0.05%

  • 375 CLT — by 0.15%

  • 1,000 CLT— by 0.4%

  • 1,250 CLT — by 0.5%

  • 2,500 CLT — by 1%

The maximum bonus is 1%. Having more than 2,500 CLT won’t affect your interest rates anymore. Read more about staking here.

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