Where we invest

1. Overview

After a top-up, funds first land on your main account. From there you can place a deposit in savings programs or join offers — specific company projects. Different products follow different accounting and term rules.

2. Main account

The main account is your cabinet “wallet”: top-ups credit here, and funds return here after a program ends or when you withdraw available balance.

Available balance on the main account can be withdrawn (per platform rules and checks) or moved into programs and offers.

3. Savings programs (deposits)

Programs place funds on platform accounts for a chosen term with indicative yield. In the cabinet you typically get:

• Investments — a classic deposit: transfer from main to the investment account, fixed term; before maturity funds are usually not available to withdraw;
• Pension program — longer-term saving with a target “pension” estimate and later use of the accumulated amount;
• Custodial (child) program — saving until the child comes of age; the term follows date of birth and program rules.

4. Offers (projects)

An offer is participation in a specific company project (for example working-capital financing). You choose lots; the amount is reserved from the investment account until the offer term ends.

This is not the same as a deposit in the Investments program: funds are tied to a project; rate, term and rating come from the offer card, not the general deposit calculator.

5. Deposit vs offer

In short:

• Deposit (programs) — saving on platform accounts; you set amount and term within program rules.
• Offer — participation in a specific project; funds are reserved for that project until closing/maturity.
• In operations history they look different: an offer is a reserve (hold); a deposit is a transfer between accounts plus a placement.

6. Where funds actually go

The platform channels financing into vetted partner-company projects. Savings programs keep balances on platform accounts; offers allocate participation to concrete projects listed under Offers. Always check the live list and terms in the cabinet — they can change.

7. Yield

Rates and calculator examples on the site are indicative, not a guarantee. Actual accruals depend on the chosen program or offer, terms, and platform rules at placement time.