Savings (Earn)

No end date. Coins are not locked: you can add or withdraw at any time, often the same day. The rate floats and the exchange reprices it with demand, usually once a day. Handy for spare funds, but the APR is almost always lower than a fixed term.

The term is set in advance: 7, 14, 30, 60, 90 days or longer. Coins stay locked for that time and the rate does not change until the end. Early withdrawal is usually unavailable, or it costs a penalty and the accrued interest. A longer term usually means a higher rate.

A shared pool with a capacity limit and its own term. The rate is often higher than ordinary fixed savings because the pool size is capped. Subscription closes when the pool is full. You withdraw at the end of the term, not on any day.

The same kind of pool, but smaller and with a higher rate. The per-user and total limits are tighter, so places run out faster. Same rules: the rate is for the term, and early withdrawal is usually not available.