As crypto savings products mature, user expectations continue to split into two clear camps. Some holders prioritize liquidity and instant access. Others are willing to commit funds for longer periods in exchange for predictable, higher returns. With the launch of Clapp Fixed Savings , Clapp addresses the second group directly. The new product is designed for long-term holders, yield-focused users, and risk-averse savers who value certainty over flexibility. How Fixed Savings in Crypto Work Despite the rise of flexible savings products, fixed-term deposits continue to play an important role — especially for users who already plan to hold their assets long term. For HODLers, volatility is a given. What matters more is locking in a known return and avoiding constant rate changes. Many crypto platforms advertise attractive yields, but those rates often fluctuate or depend on conditions that change mid-term. Clapp Fixed Savings removes that uncertainty. What Clapp Fixed Savings Offers The core idea behind Fixed Savings is simple: commit assets for a defined period and receive a predictable return. When users open a Fixed Savings position, the guaranteed APR is locked for the entire term. Market conditions, rate changes, or platform adjustments do not affect the agreed return. This structure mirrors traditional fixed deposits, adapted for crypto and digital assets. Available terms range from 1, 3, 6, to 12 months, with longer commitments offering higher APRs. For users who want to stay invested without managing renewals manually, an auto-renewal option allows the principal and earned interest to roll into a new term automatically. Supported Assets and Returns Clapp Fixed Savings supports both fiat-linked and crypto assets, reflecting different risk profiles and time horizons. For EUR, USDC, and USDT, users can earn up to 8.2% APR, depending on the selected term. These options appeal to savers who want stable returns without exposure to price volatility. For crypto holders, ETH deposits can earn up to 6% APR, while BTC deposits offer up to 5% APR. These rates are designed for long-term holders who already intend to keep their assets idle and prefer to monetize that time. Understanding the Trade-Offs Fixed Savings comes with clear constraints, and Clapp does not attempt to obscure them. There is a minimum deposit of approximately 250 USD, reflecting the long-term nature of the product. More importantly, early withdrawals are not rewarded. If users exit before the term ends, the principal is returned, but all accrued interest is forfeited. Fixed Savings is not designed for short-term liquidity or tactical moves. It is meant for users who are confident in their time horizon and want certainty in return. For traders who need to unlock liquidity or those seeking emergency funds, Clapp offers Flexible Savings with no lock-ups, instant withdrawals, and daily interest compounding. How Fixed Savings Fits into Clapp’s Broader Savings Model With the introduction of Fixed Savings, Clapp now offers two complementary savings paths. Flexible Savings prioritizes daily interest and instant access. Fixed Savings prioritizes higher returns and stable rates. Together, they allow users to match their savings strategy to their actual behavior rather than forcing all funds into a single model. Some users may choose to split balances between both products — keeping part of their assets liquid while locking another portion for higher, predictable yield. Who Fixed Savings Is Designed For Clapp Fixed Savings is best suited for users who already think long term. These are holders who do not plan to move their assets frequently and prefer a known outcome over variable returns. For this audience, the appeal is higher APR, fixed terms, and clarity from day one. Final Thoughts Crypto savings no longer follow a one-size-fits-all model. As the market matures, products are becoming more specialized, reflecting different risk tolerances and time horizons. With Fixed Savings, Clapp extends its savings offering to long-term holders who want predictable returns and are comfortable committing their assets. By combining fixed rates, multiple term options, and clear conditions, the product brings a familiar savings structure into a crypto-native environment — without ambiguity. For users who value certainty as much as yield, Fixed Savings offers a clear alternative to flexible crypto savings models. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
