The rates will sometimes change, but this should not happen frequently. We try to provide plenty of advance notice before updating the rates, however this is not always possible. The market is dynamic and we liaise with our partner institutions for guidance. Our rates are also driven by the level of liquidity deployment we are able to achieve.  For example if we are receiving too many EARN deposits compared to credit lending, or diversified strategies then we may lower rates to reduce the imbalance.

We are managing the assets within our platform to place funds into sustainable, risk controlled, growth funds alongside collateralised credit lending  and liquidity provision services. These types of financial instruments offer significant profit potential whilst avoiding the usual speculative risks of asset or commodity investment. Having benefited from decades of financial experience we are able to deploy funds into strategies with confidence that the returns will be safe, whilst attractive compared to bank rates.

Note: Using Liqd  requires Identity Verification and is currently only available to Citizens of these countries

LIQD has been derived from a combination of fintech and traditional finance meaning that relatively recently it became possible to create a platform that effectively managed the assets, whilst offering sustainable interest rates that are above the level that banks offer. 

We previously only allowed HNWI (high net worth) and institutional clients access these services due to a more service driven approach. However it was evident that there is significant customer demand from individual and small business savers who want access to our services.

At this point we decided to open up the platform to a limited number of new clients, until we feel that the AUM – assets we manage, are reaching the upper limit of ‘deployment liqudity’ meaning that we can place funds effectively whilst maintaining our high standards of diligence and control.