No classic deposit guarantee
Funds used in this mechanism do not follow the same protection logic as standard bank deposits.
Deblock yield account
How does the 4% option work?
Understand the 1% / 4% logic, activation, risks and the difference from a classic guaranteed savings product.
Optional product, not covered by a deposit guarantee scheme, with a DeFi mechanism in the background.
TL;DR
The 5 most useful points before you enable it
- Standard shows 1% per year, while Premium and Native go up to 4% per year.
- The option must be enabled manually inside the app.
- 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.
4% APY simulator
See what your balance could earn
Adjust the amount and the timeframe with simple sliders. The projection starts today, highlights the estimated gain, and switches in one click between the 4% Premium / Native case and the 1% Standard case.
Simulated plan
Amount usually left on the account
€3,000.00
€250.00€50,000.00
Indicative € slider for a balance that stays unchanged over the whole period.
Period1 year
Use the slider to move from a few months to several years.
Estimated interest
+€120.00
4% option · 1 year · Apr 30, 2027
Start
€3,000.00
Estimated gross gain
+€120.00
Estimated net gain
-€59.88
Projected balance
€3,120.00
Premium cost over the period
€179.88
Average gain per day
€0.33
Period
1 year
Estimated end
Apr 30, 2027
Start
Apr 30, 2026
Estimated end
Apr 30, 2027
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.
Technology risk remains real
The setup relies on smart contracts, liquidity and on-chain infrastructure that can face incidents.
Not a regulated savings product
This is optional DeFi-based exposure, not a traditional public savings guarantee.
Simple UX does not remove risk
A smooth app experience does not turn the product into a guaranteed return.
Useful comparison
Fixed 4% option or variable APY vaults?
This is where many people get confused. Both belong to the same broader universe, but they are not the same product.
4% option
A simpler promise to read
It is presented as an option linked to the account balance with a clearer commercial reading: 1% on Standard, 4% on Premium or Native.
Everyday use
Closer to the main account experience
The idea is to keep the interface simple without asking the user to actively manage separate vault positions.
Vaults
A more advanced crypto logic
Savings / Vaults rely on variable APY, rewards and dedicated vault mechanics. That is a more explicitly crypto-native setup.
Takeaway
Same ecosystem, different product
The 4% option tries to package complexity more simply, while vaults remain a more advanced on-chain product.
How it works
What happens behind the simple interface
From the outside it looks straightforward. Under the hood, the flow is easier to understand in three steps: conversion, placement and automatic adjustment when you spend.
Optional
You have to enable it
Nothing is activated by default. The option is enabled inside the app after accepting dedicated terms.
Conversion
Euros become vault shares
The balance is transformed into euro-linked digital assets and then into vault shares used to generate yield.
Goal
Put an idle balance to work
The whole point is to avoid leaving unused euros sitting still inside the app.
1
Automatic conversion
Once the 4% option is enabled, a euro balance can be converted into EURCV or vault shares depending on the flow described by Deblock.
2
Placed on a DeFi stack
Deblock highlights a setup relying on SG-FORGE for EURCV and on protocols such as Morpho for the underlying yield logic.
3
Spending stays automatic
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.
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.
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.
01
Open the account first
Start by completing the Deblock account opening before looking for the 1% / 4% option.
02
Wait for the option to appear
After account creation, the option may take up to 48 hours to appear in the app.
03
Enable it and accept the terms
The option is enabled from the 1% / 4% icon after accepting the dedicated terms.
04
Follow the reward flow
Yield is presented as accruing daily, even if the visible entry can depend on a threshold.
05
Understand the exit
Opting out is presented as immediate and irreversible, so it should be treated as a real decision.
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.
1% / 4%
1% on Standard, 4% on Premium or Native
The practical point is simple: Standard stays at 1% per year, while Premium and Native reach 4% per year. The 3 free Premium months are what make the higher rate easier to test.
No cap
No cap is highlighted
Unlike many traditional savings products, no maximum balance is prominently advertised for the feature.
Daily
Regular accrual
Yield is meant to accrue every day, even if the visible line only appears after a minimum threshold.
Control
Non-custodial logic
Deblock presents a dedicated wallet where you keep the keys, instead of relying on a classic custody model.
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?
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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.
How are rewards paid and when do they show up?
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Yield accrues every day, but the visible entry may only show up once the accumulated amount reaches €0.01. If you enable the option today, the first processing is usually handled the next day, often between 12:00 and 23:00 CET. the 4% page puts the 4% option back into its proper context.
Is there a minimum or maximum amount?
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No maximum is highlighted for the feature. To see a visible daily entry, the rough threshold is around €365 at 1% 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 1% and others 4% in the app?
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The displayed rate depends on the plan. Standard shows 1% 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.
How do I enable, disable or leave the feature?
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The option is enabled from the 1% / 4% icon inside the app. If the account has just been created, it can take up to 48 hours to appear. Opting out is presented as immediate and irreversible. the 4% page puts the 4% option back into its proper context.
Do I have to pay taxes on the yield?
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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?
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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?
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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?
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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?
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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.
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.