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Renda Maior Interview: Earning Passive Income with Cabital

Interview with Renda Maior on how Cabital offers a simple way to enable users to passively earn money and diversify their portfolio with crypto.

Our CEO, Raymond Hsu, was recently featured in an interview with Ariana Nunes, founder of the Renda Maior Project. The Renda Maior project focuses on sharing financial education advice to a primarily Portuguese audience about how they can save their money, invest, and motivate themselves through study and reading to enable them to achieve their financial goals. 

We’ve chosen some excerpts from their conversation (which you can watch in full below) around key points about how Cabital works and our key product offerings.


Ariana Nunes: Why does Cabital offer a 12% Annual Percentage Yield in our USDT 7-Day Fixed Term savings plan, and in other longer duration Fixed Term tiers, the APY is less than 12%? (APY rates are based on the published date of the article)

Raymond Hsu: Yes, Cabital does offer 12% a year from USDT in a fixed-term savings plan. 

The 12% APY for 7-day fixed deposits on USDT is a promotional set of interest rates that we offer to customers to attract them to start a savings account and continue investing with us for years to come. 

USDT was specifically chosen because it is a stablecoin, which means less volatility when compared to other typical cryptocurrencies.


Img 1: BTC vs USDT volatility
Img 1: BTC vs USDT volatility


Because it's pegged to the US dollar, customers can basically get 12% interest on their USD balances by buying USDT and holding it in Cabital’s 7-day deposit product.

USDT isn’t the only crypto you can stake with Cabital. We also offer high interest rates for bitcoin and Ether, in both fixed and flexible accounts. 

Ariana Nunes: Are Cabital’s accounts audited, and by whom?

Raymond Hsu: Cabital’s accounts are audited. 

We recently appointed leading international audit, tax and advisory firm Mazars to conduct an audit in accordance with the Singapore Standards of Auditing.

Appointing a leading external auditor will allow us to start the auditing process that is crucial in our mission in becoming a global leader in risk compliance, corporate governance and transparency in the cryptocurrency industry.

As Cabital continues to build a compliant and trusted digital financial institution where our customers can easily buy, sell and earn cryptocurrency, appointing a reputable external auditor allows us to strengthen our customers’ and investors’ confidence in us. 

Their extensive industry experience in auditing will enable us to significantly improve our operations, internal controls and corporate governance. 

We are looking forward to the upcoming audit as we continue to build out a compliance programme that is modelled after leading global financial service providers.

Ariana Nunes: What makes the company different from others that provide the same type of service?

Raymond Hsu: Cabital is unique in that it is fully compliant within each of its jurisdictions and operates with compliance and licensing at the core of its business. 

This means that our customers can have peace of mind that their digital assets are safe, sound and secure.


Img 2: Key benefits of Cabital Earn
Img 2: Key benefits of Cabital Earn


But the main competitive advantage we have is that users can earn up to 12% APY on their crypto without having to stake a volatile platform token. Many of our competitors require their users to stake their own native token to acquire high interest rates. 

But staking native platform tokens for high interest rates is very problematic and extremely risky. Some of these tokens are down by around 50%. So even if they are offering 12% a year on crypto, you could lose most of your investment when markets are down because it’s staked to highly volatile cryptocurrencies. 

We are able to help our users earn 12% a year without having a native token platform through secure and smart investment decisions in the DeFi space. 

In addition, everything we offer is as it is, with no hidden terms and conditions before and after you sign up. What you see is exactly what you get with Cabital.

Ariana Nunes: What are your projects for the future, whether related to security or offerings? 

Raymond Hsu: We plan on continuing to launch safe and secure high-yield savings products for our customers, such as immediate redemption on our flexible savings products, which will expand our offerings to our customers. With our immediate redemption update, users will no longer have to wait until the next business day to redeem their flexible savings funds, enabling them to better utilise their funds according to their investment needs and strategies.


Img 3: Flexible vs Fixed Savings with Cabital Earn
Img 3: Flexible vs Fixed Savings with Cabital Earn


Right now, one of our savings products allows users to earn up to 12% a year on their USDT, which is significantly more than inflation and the interest earned in a checking account.

You can buy crypto with euros and pound sterling with a bank transfer, and we are going to add in more payment methods in the future, such as including more fiat currencies, credit cards, debit cards and possibly even Apple Pay. 

We also plan on launching new savings products for other cryptocurrencies over time, which will expand our suite of products for our users. 

Concerning security, we are always on the lookout to ensure that Cabital has the latest technologies to protect our customer’s assets. We place security, compliance and licensing at the heart of everything we do. 

Cabital’s team is young and innovative — always on the cutting edge of identifying new products that will help our costumes achieve financial freedom with cryptocurrencies. This is only the beginning. 


Ariana Nunes: I have read that Cabital has launched a new fiat-on ramp service for cryptocurrency companies. Can you tell me the unique selling points behind it and why this is needed in the crypto market?

Raymond Hsu: I am excited to share more about our Cabital Connect product, which is a secure fiat on-ramp and off-ramp solution for cryptocurrency exchanges that require a simple and easy way for their users to buy leading cryptocurrencies.  

When cryptocurrency companies integrate with Cabital Connect, their users will have a high-quality service option to purchase top-tier cryptocurrencies including bitcoin, Ether, and Tether (USDT), with great convenience and security. 

The biggest selling point is that companies that integrate with Cabital Connect will be able to offer their users crypto at the most competitive rates in the industry.

When our partner’s users buy crypto through Cabital Connect, they will not have to pay hefty gas fees because Cabital transfers the crypto from its platform to their own wallets through an off-chain settlement solution. 

Cabital’s off-chain settlement mechanism will save our partners’ users a lot of money on every transaction

Using Cabital Connect is easy. Like our Buy & Sell solution, Cabital Connect’s fiat on-and-off-ramp solution provides a seamless experience for converting between fiat currencies and cryptocurrencies using euro and pound sterling bank transfers. 

I am also excited to say that Bybit is Cabital Connect’s first client, and we now allow their users to use fiat to buy their crypto at some of the most competitive rates in the market. 

We plan on helping many more cryptocurrency exchanges with their fiat on-ramp and off-ramp services, making cryptocurrencies more accessible to people across the globe at some of the best rates in the industry. 

This article has been prepared by Cabital Fintech (LT) UAB  (the “Company”) and is general background information about some of the Company’s activities at the date of this presentation.

This article does not contain all the information that is or may be material to you and should not be considered as advice or a recommendation to you in respect of the holding, purchasing or selling of digital assets and does not take into account your particular objectives, financial situation or needs. This article has been made to you solely for information purposes. This presentation may be amended and supplemented as the Company sees fit, may not be relied upon for the purpose of entering into any transaction and should not be construed as, nor be relied on in connection with, any offer or invitation to purchase or subscribe for, underwrite or otherwise acquire, hold or dispose of any digital assets, and shall not be regarded as a recommendation in relation to any such transaction whatsoever. The contents of this presentation should not be considered to be legal, tax, investment or other advice, and you  should consult with your own counsel and advisers as to all legal, tax, regulatory, financial and related matters concerning an investment in or a disposal of such digital assets and as to their suitability for you.

This presentation and its contents are proprietary to the Company, and no part of it or its subject matter may be reproduced, redistributed, passed on, or the contents otherwise divulged, directly or indirectly, to any other person (excluding the relevant person’s professional advisers) or published in whole or in part for any purpose without the prior written consent of the Company.

This article contains forward‐looking statements. Such forward‐looking statements involve known and unknown risks, uncertainties and other important factors. Certain forward‐looking statements are based on assumptions or future events which may not prove to be accurate, and no reliance whatsoever should be placed on any forward-looking statements in this article.

The information in this article has not been independently verified. No representation or warranty, express or implied, is made as to the fairness, accuracy or completeness of the presentation and the information contained herein and no reliance should be placed on it. Information in this article (including market data and statistical information) has been obtained from various sources (including third party sources) and the Company does not guarantee the accuracy or completeness of such information. 

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