💰 Deposits: a DigiU Financial Product Operating Since 2020
In addition to its developing technology and educational products, the DigiU ecosystem also includes a financial product with an established operating history.
Deposits — previously known as DigiU.Wealth — has been operating since 2020 and allows investors to place available liquidity and receive returns.
Thanks to Deposits, the DigiU ecosystem has already paid dividends to share holders 7 times.
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How returns are generated
Deposits does not earn through trading or attempts to predict market movements.
Funds are used to provide liquidity in open DeFi protocols with variable returns, through separate private agreements with companies on fixed terms that need liquidity in DeFi and fintech, and for arbitrage — earning on price and exchange-rate differences between platforms.
Funds are diversified across different DeFi protocols and strategies.
A simple example:
A decentralized exchange needs liquidity so that users can swap USDT to USDC and back.
A liquidity provider receives part of the fees from exchange operations. In addition, the exchange may reward liquidity providers with its own token — this is called farming.
This example shows the basic logic, but in practice more complex strategies are used, and the team constantly searches for better yield opportunities.
Like any financial product, Deposits requires independent assessment of the terms, timeframes, and risks. A separate webinar about Deposits will be released soon.
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Today, Deposits offers two formats for placing funds.
🔜 Flexible Deposits
For those who value regular withdrawal options and flexible capital management.
Available assets:
• BTC — minimum amount 0.008 BTC
• ETH — minimum amount 0.25 ETH
• USDT — minimum amount 500 USDT
Withdrawals are available once per month.
Estimated product returns over the past few months before profit distribution between the depositor and the ecosystem:
• BTC — around 1% per month
• ETH — around 1.05% per month
• USDT — around 1.89% per month
Ecosystem commission — up to 50% of profit.
🔜 Long-Term USDT Deposits
For those who are ready to place capital for a longer period and receive combined returns: in USDT and DigiU shares.
Minimum amount — 500 USDT.
Available terms:
• 12 months — 10% annual return in USDT + 3% annual return in DigiU shares
• 18 months — 11% annual return in USDT + 4% annual return in DigiU shares
• 24 months — 12% annual return in USDT + 5% annual return in DigiU shares
• 36 months — 14% annual return in USDT + 6% annual return in DigiU shares
Total annual return can reach up to 20%.
DigiU shares are accrued at the rate applicable at the time the deposit is opened.
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Important distinction
DigiU shares represent co-ownership and participation in the development of the entire ecosystem and its products.
Deposits is a separate financial product for placing available liquidity.
They do not replace each other. They provide different ways to participate in the DigiU ecosystem.
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In the future, Deposits is planned to be integrated into the WebWisePay application.
Users will be able to open a deposit directly inside WebWisePay and receive returns on the available balance of funds on their cards.
The logic is simple: WebWisePay helps users spend and move funds, while Deposits helps available liquidity work.
If you have available liquidity in BTC, ETH, or USDT, open Deposits and connect your available funds to a DigiU financial product that has been operating since 2020.
💼 Open a deposit in your Account
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