We work with third parties to lend tokens. We charge these third parties for fees, not from our customers who have savings account with us. These third-party partners have gone through a strict audit and due diligence process.
In working with these third parties, we utilize advanced financial structured products to produce fixed interest returns, which by design, are much higher than what the normal lending rates earned by our peers on the market. Because of this nature of our product, our interest rates are correlated with price volatility of the tokens, and our interest rates are higher when market volatility is high.