Independent guide
The interest-bearing euro account, explained simply
An interest-bearing account pays you interest on the euros you leave in it while keeping your money available. With Deblock, the yield option pays up to 4% per year (2% on Standard, 4% on Premium or Native), distributed daily. Here is how it works, what it actually pays and the risks to know before you start.
How an interest-bearing account works
Your euros are converted into EURCV, a euro-backed stablecoin issued by SG-Forge (a Société Générale subsidiary), then supplied to regulated lending protocols such as Morpho. The interest earned is paid back to you every day, directly in the app, and you can withdraw whenever you want: nothing is locked.
How much it pays
The rate depends on your plan: 2% per year on Standard, 4% per year on Premium or Native. Distribution is daily, so interest adds up day after day. To estimate an order of magnitude for your amount, a simulator is available on the page dedicated to the 4% option.
The risks to know
An interest-bearing account is not a state-guaranteed savings passbook. The yield depends on stablecoin lending markets and can vary; the capital is not covered by a deposit guarantee fund. Deblock is a regulated player (MiCA framework) and your wallet stays non-custodial, but you should understand these differences before placing a large amount.
Frequently asked questions
What is an interest-bearing account?
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It is an account that pays you interest on the euros you leave in it, without locking your money. Unlike a regular current account, your balance works for you.
Is it risky?
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It is not a guaranteed passbook: the yield comes from stablecoin lending and can vary, and the capital is not covered by a guarantee fund. Weigh that against a rate higher than a regular passbook.
How is it different from a savings passbook?
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A regulated passbook offers a state guarantee but a capped rate. An interest-bearing account like Deblock's targets a higher rate (up to 4%), in exchange for a different risk and no capital guarantee.
How do I activate the 4%?
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You need a Premium or Native plan, then activate the yield option in the app. The dedicated page details the steps, the simulator and the conditions.
Ready to start?
Open your account and activate up to 4% per year
Install Deblock from this guide to activate 3 months of Premium and try the yield option.