# Frequently asked

### **Getting started**

<details>

<summary>Do I need crypto experience to use Coinstancy ?</summary>

Not at all ! The platform is designed to be as simple as possible. You create your account, deposit funds, and select the strategy you want.

</details>

<details>

<summary>Do I keep control of my funds ?</summary>

Always ! The funds deposited in your wallet belong to you 100%, the same applies to Crypto Baskets.

Funds deposited into Savings are held in a shared [multi-signature wallet](https://www.coinbase.com/fr-fr/learn/wallet/what-is-a-multi-signature-multi-sig-wallet). No single member of the Coinstancy team can act alone.

</details>

<details>

<summary>Can I withdraw my funds at any time ?</summary>

Yes ! You can initiate an instant withdrawal whenever you want.

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<details>

<summary>Are returns guaranteed ?</summary>

Savings yields are fixed.

Crypto Basket and Staking yields are subject to market fluctuations.

</details>

<details>

<summary>How can I claim my rewards ?</summary>

You don’t have to do anything. Savings yields are automatically collected and added to your balance every second.

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<details>

<summary>What are the risks ?</summary>

Risks on Savings have been reduced to a minimum through insurance coverage and advanced automated transaction verification systems. Your funds are 100% insured via our [partner OpenCover.](https://opencover.com/)

</details>

<details>

<summary>How is Coinstancy’s due diligence carried out ?</summary>

Coinstancy selects only proven, widely used, and audited protocols after analyzing technical, liquidity, and governance risks. Strategies are continuously reviewed through the [CIM](/coinstancy/informations/coinstancy-investment-manifesto-cim.md) and can be adjusted or stopped if the risk level changes.

</details>

<details>

<summary>Is Coinstancy regulated ?</summary>

Coinstancy operates from French Polynesia under local compliance requirements. Fund custody and operations follow industry security standards.

</details>

<details>

<summary>Is Coinstancy a trading platform ?</summary>

Coinstancy is an investment and savings platform; we do not offer trading.

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<details>

<summary>What happens if Coinstancy stops operating ?</summary>

Client funds are segregated from the company’s funds. They are not used for operating expenses and remain fully available. If Coinstancy ceases operations, client funds remain accessible and can be withdrawn instantly at any time.

</details>

<details>

<summary>Where can I find my past transactions ?</summary>

You can find transactions made before December 22, 2025 on the [Taxes](https://app.coinstancy.com/taxation) page. For transactions after December 22, 2025, scroll to the bottom of the [Wallet](https://app.coinstancy.com/c-wallet) page.

</details>

<details>

<summary>What happened to my Points ?</summary>

Your Points are not lost. They will reappear in their final form within the next few weeks.

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### Learn more

<details>

<summary>Are my funds deployed on different blockchains ?</summary>

Funds deposited into Savings are allocated across multiple blockchains to ensure the fixed yield distributed every second. [Learn more](/coinstancy/informations/coinstancy-investment-manifesto-cim.md).

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<summary>Who covers the costs when portfolios are rebalanced ?</summary>

Rebalancing costs are included in the platform’s operations.

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<summary>What happens if a protocol is hacked ?</summary>

If a protocol used by Savings is compromised and funds are lost, a compensation claim is filed with our [partner OpenCover](https://opencover.com/). The full insured amount is then received within 4 weeks.

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<details>

<summary>What do our insurance policies cover, and what do they not cover ?</summary>

Insurance covers certain losses related to technical or economic failures of a protocol, such as smart contract bugs, code errors, oracle manipulation, liquidation failures, or malicious governance takeovers.

It does not cover market-related losses (volatility, depegs), user-side errors or fraud (phishing, private keys, malware), bugs disclosed before the coverage period, rug pulls allowed by the protocol, interface errors, or incidents involving cross-chain bridges.

[Learn more](https://coinstancy.com/legal/insurance/?utm_source=whitepaper\&utm_medium=display\&utm_campaign=frequently_asked).

</details>

<details>

<summary>Can I choose or modify the protocols used ?</summary>

Protocol selection follows a precise evaluation framework defined by the [CIM](/coinstancy/informations/coinstancy-investment-manifesto-cim.md). This selection is carried out rigorously by the Coinstancy team.

</details>

<details>

<summary>Can I create and manage my own investment strategy on Coinstancy ?</summary>

The strategy is rigorously defined by the Coinstancy team; it is not possible to create an individual Savings strategy.

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<details>

<summary>Do I need to manage my positions myself ?</summary>

That’s the whole advantage of Coinstancy! The strategy runs automatically without you having to worry about it, and you simply receive the gains generated.

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<details>

<summary>Which stablecoins are supported ?</summary>

The supported stablecoins are USDC and EURC.

</details>

<details>

<summary>What is the Swap ?</summary>

The Swap allows you to exchange stablecoins for cryptocurrencies and vice versa in just a few seconds, directly from your [Wallet](https://app.coinstancy.com/c-wallet). Currently limited, the Swap will be expanded to support additional cryptocurrencies.

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<details>

<summary>What is a “FLUID” Crypto basket ?</summary>

So-called “FLUID” [Crypto baskets](https://app.coinstancy.com/theme-pool-investment) contain yield-generating cryptocurrencies. These assets earn a certain interest rate throughout the holding period.

Aave is the largest decentralized lending and borrowing protocol, and Lido is the leading protocol for Ethereum liquid staking. By combining these two protocols, the yields offered are among the most secure possible. However, yields and interest rates fluctuate daily, and Coinstancy cannot currently guarantee or display them.

***AARBWSTETH**: Ethereum (WETH) deposited on the Lido protocol (ST), then supplied to the Aave protocol (A) on the Arbitrum (ARB) blockchain.*\
\&#xNAN;***AARBWBTC**: Bitcoin (WBTC) deposited on the Aave protocol (A) on the Arbitrum (ARB) blockchain.*\
\&#xNAN;***AARBAAVE**: Aave (AAVE) deposited on the Aave protocol (A) on the Arbitrum (ARB) blockchain.*\
\&#xNAN;***AARBLINK**: Chainlink (LINK) deposited on the Aave protocol (A) on the Arbitrum (ARB) blockchain.*

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<summary>Why are there different blockchains ?</summary>

We have deployed several EVM blockchains for your USDC and EURC deposits and withdrawals so you can choose the one that works best for you !

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<summary>How do personal wallets work ?</summary>

Coinstancy currently uses secure wallets provided by [Circle](https://www.circle.com/), with a dedicated address for each user. An evolution toward a non-custodial model is planned, giving users the choice to export their private key or not, depending on their level of autonomy and responsibility.

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