Clapp Finance, a comprehensive crypto management platform, has officially launched its Flexible Savings product, allowing users to earn up to 5.2% annual percentage yield (APY) on their digital assets without the need for locking funds. This innovative offering is designed to cater to the increasing demand for passive income opportunities in the cryptocurrency space, enabling users to grow their wealth while maintaining full liquidity.
On January 20, 2026, Clapp Finance announced the new feature, which supports a variety of assets including EUR, BTC, ETH, USDC, and USDT. With daily compounding and instant access to funds, users can withdraw any amount at any time, making it an attractive alternative to traditional banking options that typically offer lower interest rates.
“People want their money to grow without being tied up,” stated Ilya Stadnik, CEO of Clapp Finance. He emphasized that this new product not only addresses the need for higher yields but also provides users with total control over their investments. Clapp”s Flexible Savings is positioned as the first step towards a broader suite of financial products, with plans to introduce Fixed Savings in the near future.
The key features of Clapp Flexible Savings include:
- High yield with no lockups: Up to 5.2% APY.
- Daily compounding: Interest is calculated and credited every 24 hours.
- Multi-asset support: Users can earn interest on European euros, USDC, USDT, Bitcoin, and Ethereum.
- Security and regulation: Assets are safeguarded by Fireblocks, and Clapp operates as a registered Virtual Asset Service Provider (VASP) in the EU.
- Fully integrated management: Users can easily manage their savings alongside trading, credit lines, and portfolio management within the Clapp Wallet.
This launch comes at a time when the yield-bearing stablecoin sector has experienced explosive growth, increasing thirteenfold within just two years. This trend reflects a significant shift in investor behavior as they seek reliable income streams beyond what traditional financial systems offer.
To begin earning with Clapp Flexible Savings, users can activate the feature in a matter of seconds within the app, starting with a minimum deposit of just €10 or an equivalent amount in other currencies.
As Clapp Finance continues to develop its platform, it aims to bridge the gap between centralized finance (CeFi) and decentralized finance (DeFi), providing user-friendly tools for individuals across more than 130 countries. This launch marks a pivotal moment for the company as it enhances its offerings in the rapidly evolving crypto landscape.
