Mewayz offers Investment Accounts — a smart way to earn interest on your cryptocurrency and traditional currency holdings. Whether you prefer full flexibility or long-term returns, we have Investment Account types to suit your goals.
You can choose between two types of Investment Accounts: Flexible and Fixed. Below, we outline the key differences to help you select the right option for your needs.
Flexible Investment Accounts are ideal for users who want instant access to their funds without commitment. You can deposit or withdraw anytime with no fees. Interest rates are variable and may change based on market conditions.
Fixed Investment Accounts offer the highest interest rates in exchange for a fixed commitment. You select a term (1, 3, 6, 12, or 24 months), lock your funds, and receive stable weekly returns. At term end, your account automatically converts to Flexible — restoring full access to your balance.
Your ideal Investment Account depends on your saving style and risk tolerance:
| Criteria | Flexible | Fixed |
|---|---|---|
| Interest rate (AER) | 5% | 8-12% |
| Interest payout frequency | Weekly | Weekly |
| Payment currency | In-Kind | In-Kind |
| Term options | None | 1-24 months |
| Access to funds | Anytime | Locked during term, becomes Flexible after term ends |
| Top-ups | Anytime | Anytime |
| Maturity handling | N/A | Automatically converts to Flexible at maturity |
It is essential to note that investing in cryptocurrency involves risks, and the value of cryptocurrencies can be volatile. Before depositing funds in an investment account, it is important to do your research and understand the risks involved. Furthermore, it is critical to invest only money that you can afford to lose.
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