Relevant if
- You often leave euro balances sitting in the app.
- You want a simpler interface and fewer manual steps.
- You accept some DeFi and technology risk.
- You want to use the 3 free Premium months to test it more comfortably.
Deblock yield account
How does the 4% option work?
Your balance can generate a potential 4% yield, with rewards distributed daily, while remaining usable for everyday spending.
Optional product, not covered by a deposit guarantee scheme, with a DeFi mechanism in the background.
TL;DR
The most useful points before you enable it
- Standard shows 2% per year, while Premium and Native go up to 4% per year.
- The option must be enabled manually inside the app.
- Rewards are distributed every day on the eligible balance, under the product conditions.
- Everyday usage remains the same: payments, transfers and card use still matter.
- This is not a guaranteed bank savings product.
- The setup relies on EURCV and DeFi infrastructure in the background.
Keep this in mind
- Crypto-related products carry a real risk of loss.
- No deposit guarantee changes the protection logic.
- A technical issue or infrastructure failure can have real consequences.
What your money could earn
Duration10 years
After 10 years
Money sitting idle (0%)€1,000+€0
With Deblock (4%)€1,480+€480
Indicative compound-interest simulation (rewards reinvested), excluding taxes, fees and yield changes. This is not a promise of gain.
Important
Do not confuse this option with a guaranteed savings account
The attractive part may be the 4% figure, but the essential part is the product nature and the real risk profile.
No deposit guarantee, no capital guarantee, and a more technical setup than a classic savings product.
01
No classic deposit guarantee
Funds used in this mechanism do not follow the same protection logic as standard bank deposits.
02
Technology risk remains real
The setup relies on smart contracts, liquidity and on-chain infrastructure that can face incidents.
03
Not a regulated savings product
This is optional DeFi-based exposure, not a traditional public savings guarantee.
04
Simple UX does not remove risk
A smooth app experience does not turn the product into a guaranteed return.
How it works
What happens behind the simple interface
From the outside it looks straightforward. The key points are that the option is voluntary, then the eligible balance can generate potential yield distributed every day.
- 1
Voluntary activation
The 4% option is enabled only if you decide to activate it from the Deblock app, after reading and accepting the dedicated terms.
- 2
Conversion and infrastructure
Once enabled, the eligible balance can be converted into EURCV or vault shares depending on the flow described by Deblock.
- 3
Daily rewards
The target yield can be distributed every day, under the product conditions. That does not turn the result into a promise of gain.
- 4
Payments and transfers stay fluid
When you pay with the Deblock Visa card or move money, the app adjusts the required position automatically in the background.
Who it fits
When this option may make sense
Beyond the displayed rate, the real question is whether the product matches your balance habits and your risk tolerance.
Not ideal if
- You want a capital guarantee.
- You want zero exposure to any DeFi mechanism.
- You are looking for a classic regulated savings product.
- You rarely keep a balance on the account.
Discover Deblock
If you want to test the 4% option inside an app built for everyday use
Deblock can act as a simpler entry point if you want account, card and crypto in the same interface without managing every technical detail from day one.
Activation
How to enable it, then how to leave it
The activation looks simple in the app, but a few markers make the process much easier to understand.
Open the account first
Start by completing the Deblock account opening before looking for the 2% / 4% option.
Wait for the option to appear
After account creation, the option may take up to 48 hours to appear in the app.
Enable it and accept the terms
The option is never enabled automatically. You decide to enable it from the app, after accepting the dedicated terms.
Follow the reward flow
Once enabled, the eligible balance can generate potential yield distributed daily, even if the visible entry can depend on a threshold.
Understand the exit
Disabling the option may be final or hard to reverse, so it should be checked carefully before confirming.
Why it stands out
The parts that make the offer attractive
The product draws attention because it mixes a simple interface with a more advanced on-chain logic, without asking the user to manually manage every step.
012% / 4%
2% on Standard, 4% on Premium or Native
The practical point is simple: Standard stays at 2% per year, while Premium and Native reach 4% per year. The 3 free Premium months are what make the higher rate easier to test.
02No cap
No cap is highlighted
Unlike many traditional savings products, no maximum balance is prominently advertised for the feature.
03Daily
Daily distribution
Interest or rewards are distributed every day on the eligible balance, even if the visible line can depend on a threshold.
04Control
Non-custodial logic
Deblock presents a dedicated wallet where you keep the keys, instead of relying on a classic custody model.
User control
You stay in control.
The 4% option is optional: it is enabled only if you choose to activate it. It can be disabled later, but disabling it should be considered final or hard to reverse. It is therefore important to check carefully before confirming.
01
Voluntary activation
No automatic activation: the user chooses whether to enable the option from the app.
02
Daily distribution
Rewards are distributed every day on the eligible balance, under the product conditions.
03
Disable with care
Disabling the option should be confirmed carefully because it can be final or hard to reverse.
Account Yield FAQ
The most useful questions about the 4% option
This is the short version of what people usually want to know first: protection, timing, visibility of rewards and the everyday impact of enabling the option.
Are the funds protected by the deposit guarantee scheme?
+
No. The European deposit guarantee covers classic bank deposits. Once the 4% option is enabled, the funds are converted into EURCV and placed in a DeFi logic, so they no longer sit inside that classic protection framework. the Deblock safety page brings those caution points together in a clearer way.
Is the yield paid every day?
+
Yes. Yield is distributed daily on the eligible balance. This makes the reward flow easier to follow over time, even if the visible entry can depend on a threshold. The yield remains indicative and depends on the product conditions. documentation remains the easiest entry point for the official terms and PDFs.
Is there a minimum or maximum amount?
+
No maximum is highlighted for the feature. To see a visible daily entry, the rough threshold is around €182.50 at 2% for Standard and around €91.25 at 4% for Premium or Native. the 4% page puts the 4% option back into its proper context.
Why do some users see 2% and others 4% in the app?
+
The displayed rate depends on the plan. Standard shows 2% per year. Premium and Native go up to 4% per year. If you start through this guide, the 3 free Premium months can make that 4% version easier to test. the 4% page puts the 4% option back into its proper context.
Are my funds locked once the 4% option is enabled?
+
No. The product is presented as staying compatible with normal account usage: paying, transferring and spending should continue to work while the adjustment happens in the background. the 4% page puts the 4% option back into its proper context.
Is the 4% option mandatory?
+
No. The 4% option is optional. It must be enabled voluntarily by the user inside the Deblock app. If you do not enable it, your account keeps working normally without this yield option. the 4% page puts the 4% option back into its proper context.
Can I disable the option after enabling it?
+
Yes, but disabling it should be taken seriously: it can be final or hard to reverse. Before confirming, you should check that you really want to stop the option. the 4% page puts the 4% option back into its proper context.
Do I have to pay taxes on the yield?
+
That depends on your country and your own tax situation. Deblock does not provide tax advice, so the safest approach is to treat the euro rewards as potentially reportable income under local rules. the Deblock safety page brings those caution points together in a clearer way.
Savings / Vaults FAQ
How variable-yield vaults differ
Savings Vaults are related, but not identical to the fixed 4% option. They rely on a variable APY, weekly rewards and separate vault mechanics.
What are Savings / Vaults inside Deblock?
+
They are another way to make assets work inside the app. You can deposit tokenized euros, stablecoins or selected crypto assets into dedicated vaults with a variable APY instead of a fixed commercial rate. the crypto guide covers the useful basics before going further, and the crypto simulator helps visualise simple historical reference points.
How are APY and fees calculated in the vaults?
+
The APY changes with market conditions, vault utilization and rewards. Public Crypto Earn terms indicate that Standard keeps 50% of rewards while Premium and Native keep 90%, with additional underlying protocol fees still possible. documentation remains the easiest entry point for the official terms and PDFs.
What is the minimum deposit and how do withdrawals work?
+
The published minimum for Savings Vaults is €1. Withdrawals are done from the Vaults section by choosing the vault, then Withdraw, with processing usually described as taking a few minutes. the 4% page puts the 4% option back into its proper context.
Why can the displayed APY differ or a deposit fail?
+
The app can show a projected APY while Morpho may show a more instant rate. Rewards are commonly distributed weekly and then reinvested. A deposit can also fail because of insufficient funds, the wrong network or an app version that is out of date. the 4% page puts the 4% option back into its proper context.
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In short
The Deblock 4% option can be useful, but only if you understand what you are enabling
The promise is easy to read and the interface aims to stay simple, but the product should not be confused with a guaranteed savings account. The safest reflex is to understand the framework before enabling it.
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