Why is LIQD different to other savings platforms?

The key tenets of our interest account are:

Sustainable – we ensure that your funds are kept in safe custody, whilst paying an interest that is sustainable over the long term. We don’t believe in sky high rates that lead to doubts about the business model behind them. We have built LIQD on a foundation of stability, incremental returns across a diversified portfolio of low volatility assets.

Licensed – Having our license from the Bank of Lithuania ensures that LIQD funds are accountable to government regulators. We adhere to rigorous risk controls and reporting on our liquidity ratios, capital reserves and other key metrics that ensure our long term stability.

Flexible – we offer a range of savings products that are fully liquid meaning you can withdraw your funds on flexible or fixed terms. As with a bank, we do offer longer savings terms with enhanced interest rates but you are free to choose the level of access you prefer.

Suitable – LIQD interest accounts are broadly suitable for savers, with an eye on longer term capital growth at bank beating rates. There is no such thing as get rich quick and playing the markets as an individual often leads to losses, so put your funds in safe hands where it can achieve a modest return. If you are a prudent saver, who wants to grow a nest egg to provide for your future then you may consider a LIQD account to be a suitable option. You may wish to consult a financial advisor for specific advice based on your needs. 

Transparent – LIQD will manage the assets on our platform to ensure they are placed into growth funds, risk managed strategies across a range of financial services including over-collateralised credit lending, money markets, FX, real estate and digital assets. 

Experienced – LIQD is managed by ex City of London bankers who grew disillusioned by investment banks earning eye watering profits and bonuses, whilst paying out virtually zero interest to current account savers.  We set out to provide a more equitable business model built on the knowledge we gained during last 30 years of market making and fintech engineering.