Savings & Deposits - GHB will serve savers in the UAE through its onshore perimeter and savers internationally through its offshore DIFC/ADGM perimeter. Onshore savings would be governed by UAE fed…
GHB will serve savers in the UAE through its onshore perimeter and savers internationally through its offshore DIFC/ADGM perimeter. Onshore savings would be governed by UAE federal law and targeted to have any applicable, verified UAE Deposit Insurance Scheme protection up to AED 500,000. Offshore savings would be governed by English common law under the DFSA or FSRA and would not be assumed covered by the UAE Deposit Insurance Scheme unless the offshore entity has separately opted into an eligible scheme - offshore clients should confirm the applicable protection regime with their relationship manager before depositing.
All product tiers, fee figures and operating capabilities from your GHB source specification are presented below in full.
A high-yield, instant-access savings account in AED and selected major currencies. The GHB Global FlexSaver rate is up to 6.00% p.a. on AED balances up to AED 1,000,000, conditional on maintaining the required monthly balance. Interest accrues daily and is credited monthly. Withdraw anytime - no lock-in, no notice period, no penalty. Available under both perimeters, subject to perimeter-specific terms.
Allocate a portion of your savings to a regulated AED-backed stablecoin while remaining fully liquid in AED terms. Earn a separate yield on the allocated portion. Stablecoin balances are intended to be fully reserved on a 1:1 basis against the underlying fiat currency. Available to onshore and offshore clients who hold a supported stablecoin balance.
Fixed tenors from 1 to 24 months in AED and major currencies. Transparent rates published daily in the GHB app. Eligible clients will be able to fund deposits via SWIFT, stablecoin conversion, or transfer from an existing GHB account.
For sophisticated clients: fixed-term deposits denominated in major cryptocurrencies and regulated stablecoins. Structured under the VARA borrowing-services permissions GHB intends to seek, with full disclosure of yield mechanics and risk factors. GHB will maintain insurance coverage for client digital assets covering a minimum of 10% of average client assets.
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