The "cash" position on Terafab FX — a stable USDT balance that earns a modest yield while you decide what to invest in next, or while you wait between deposits. No lock-up, no market exposure to the fab itself.
A USDT balance held on your behalf, separate from any of the fab-linked products, earning a fixed 4% APY that accrues daily and is credited to your balance once a month. This is the account your BTC or USDT deposits land in by default before you choose a product — you can leave funds here indefinitely, or move them into any of the other four products whenever you're ready.
Uninvested USDT sitting on the platform is deployed by Terafab FX into short-duration, low-risk instruments; the 4% APY is a fixed pass-through of that yield to you, independent of how construction or any individual product is performing.
Unlike every other product on the platform, there's no lock-up here. Withdraw to a whitelisted BTC or USDT address at any time — standard 2FA and address-whitelisting security checks still apply.
Fund in BTC (auto-converted to USDT at the confirmed exchange rate) or USDT directly. Balance and yield are always denominated and paid in USDT.