What interest rate do I earn with PureFi?
PureFi targets a 6% Annual Percentage Yield (APY) on your deposited balance. This interest rate is one of the most competitive available compared to traditional banks and most remittance platforms, making PureFi a true high-interest savings alternative for everyday users.
Your variable interest rate is applied to your full balance. There are no tiers, no minimum balance requirements, and no complicated conditions to unlock your earned returns.
Note: The 6% APY is a target rate, not a guaranteed rate. As a variable interest rate, it may shift based on market conditions and the performance of the underlying yield sources.
Where does my yield on savings come from?
Your money does not sit idle. When you deposit into PureFi, it is held in a secure, segregated account and converted into USDC (a US dollar-backed stablecoin). It is then allocated across conservative, low-risk yield sources to drive your yield on savings:
- ● Real estate income streams
- ● Stablecoin staking
- ● Gold staking and leasing
- ● Alternative income ETFs
We do not rely on hidden fees or speculative strategies to generate your return. The yield sources are disclosed, the structure is transparent, and you can see how your money is working at any time, all of which support consistent balance growth over time.
When do I start earning?
You start earning as soon as your deposit is confirmed in your PureFi account. There is no waiting period or lock-in period. Your money earns from day one, with daily interest calculation applied to your full balance automatically.
How does daily interest calculation work?
Your account earnings are calculated every day on your available balance. The rate is annualised at the target 6% APY, so the daily interest calculation applies approximately 1/365th of the annual rate to your balance each day.
Example: If you hold $1,000 in your PureFi account for 30 days at a 6% APY target:
- ● Daily return ≈ $0.16
- ● 30-day savings account returns ≈ $4.93
Actual returns may vary slightly depending on the yield source performance.
How do I check earnings and view account returns?
You can check earnings and view account returns directly in the app at any time. Your current account earnings are displayed on your home screen alongside your balance. No complicated dashboards required.
To track savings growth over time, your earnings history is always accessible in-app. You can also download a full account statement for a detailed breakdown of your savings account returns over any selected period.
To access your account statement download:
- Go to your PureFi account home screen
- Select Statements & Reports
- Choose your preferred date range
- Download your statement in PDF format
Your statement will show a running summary of your balance growth, total account earnings, and a transaction-by-transaction record of all activity during the period.
Can I access my money while it is earning?
Yes. PureFi is designed to keep your money active and accessible. You can send money internationally, withdraw, or spend at any time without needing to exit your earning position or serve a notice period. There is no lock-in.
Your earned returns up to that point are realized automatically when you move money out. No additional steps are needed.
Are there limits on how much I can earn?
There is no cap on total account earnings. Your balance growth scales directly with what you hold, with no ceiling applied to your savings account returns.
Limits at a glance
| Action | Limit |
|---|---|
| Minimum deposit to earn | $0 all balances earn |
| Maximum earning balance | No cap |
| Lock-in period | None |
| Withdrawal restriction while earning | None |
Transfer limits for sending money are separate and depend on your account verification level and destination country. The app will display your applicable limits before you confirm any transfer.
Do I pay taxes on my earnings?
You may be required to report earnings as income depending on the tax laws in your country of residence. PureFi does not withhold taxes on your behalf. We recommend speaking with a tax advisor familiar with local rules if you are unsure of your obligations.
Is my money safe while it is earning?
Your funds are held in a segregated account, kept separate from PureFi's operating funds. Your balance is converted to USDC and allocated only to conservative, short-duration yield sources. We do not use your money for speculative investments.
We are transparent about the custody structure, how funds are allocated, and how your high-interest savings product works. Our support team is available 24/7 for any questions about how your money is protected.
Rate information is current as of the date you are reading this. PureFi reserves the right to adjust the target APY based on market conditions. Any changes will be communicated to users in advance.