What are the best options and what conditions apply.
A relaunch of the Fixed deadlines in dollars When, the different entities, the rates began to raise the “Mattress dollars”. It was within the framework of Relaxation of measures to control fundsand before decisions of the BCRA how to cancel the paid liabilities through the Lefis.
After years of unattractive rates, Fixed deadlines seek to recover prominence. In recent weeks, several banks raised the yields paid for these placations, to the point of exceeding the current inflation of the United States (2.4% per year) and even the performance of the treasure bonds of that country.
Fixed Term Investments
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Fixed deadlines in dollars: banks that lead the rates race
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Supervielle: It offers an TNA of 5.5% to one year and 2.5% to 90 days. It also offers a 2.5% rate for fixed deadlines at 90 days. In addition, it has an account in dollars with a 2%TNA, with immediate availability and without limits to access your money.
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Macro Bank: 5.15% TNA at 365 days, and 1.75% from 30 to 35 days.
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National Bank: 5% TNA at 365 days for those who do it on the web, and 2.25% TNA at 365 days at the branch.
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BBVA: 4.5% TNA for deadlines greater than 270 days. For shorter terms, like 30 days, rates can be lower, for example, 2.4%.
- Comafi: 4.5% TNA at 365 days.
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Galicia: 3.9% TNA at 365 days, and 2.4% TNA at 30 days.
- ICBC: 3.25% TNA at 365 days.
Other alternatives to the fixed term arise in dollars
Beyond the supply of fixed deadlines in traditional dollars, some Fintech platforms begin to capture the interest of savers with more flexible and surrender proposals.
One of the most recent initiatives is that of Lemon, the most used crypto wallet in the country, which has just launched a functionality that It allows to transfer dollars between their own bank accounts and the app, using USDC (A linked stable 1: 1 with the dollar) as a bridge. This enables the user to invest these funds from the cell phone in “Lemon Earn”, a system that offers yields of up to 13% per year, without fixed deadlines or minimal amounts.
The proposal is presented as an alternative compared to the traditional fixed deadlines in dollars, not only because of the rate but also for their liquidity: the yields are daily and the funds are available 24 hours, every day.
How it works:
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The user deposits USD from their bank and receives USDC 1: 1 in Lemon.
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You can invest those USDC in EARN and obtain daily interests.
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At any time you can withdraw those USDC and convert them to dollars, accrediting them in your bank account.
The first US $ 2,500 are exempt from commissions when depositing, and retreats are bonus for launch. In 2024, more than 200,000 people used Earn and generated more than US $ 1.3 million in yields. This new “ramp” between traditional banking and decentralized finance marks another step in the integration of crypto as a daily financial instrument.
Source: Ambito
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