Buổi biểu diễn
Chỉ số Phổ Biến RD
Chỉ số Tăng Trưởng RD
So sánh
Theo dõi danh sách
Nhân vật
Về Rand Network
Rand is a Spain-based financial technology platform that has offered crypto-related savings and credit products to European users since 2021, registered with the Bank of Spain under number D697. Its savings account converts deposits into EURC automatically and places them in stablecoin money markets, with interest accrued daily, no lock-up and withdrawal available at any time. The platform explains that the yield originates from over-collateralised lending markets where depositor funds are covered by collateral, giving returns a lower correlation with equity and bond markets.
On the credit side, users can borrow EURC against BTC or ETH at roughly a 50 percent loan-to-value ratio, with no fixed maturity and the option to repay in part or in full at any moment, obtaining liquidity without selling holdings or triggering a taxable event. The platform also offers preset-weight crypto portfolios charged a flat percentage per trade, with a 100 euro minimum. Assets are held in split custody between BitGo and Copper with insurance attached, and accounts support biometrics, two-factor verification and withdrawal address whitelists. Rand describes itself as a fintech company rather than a bank, with card services provided by a licensed partner.
In the first half of 2026, Rand Network raised about EUR 383,000 from 373 investors on Crowdcube, bringing total funding to roughly $6.23 million. Its fundraising materials cite more than 35,000 users and about EUR 45 million in assets under management, while the website claims over 45,000 European investors, EUR 60 million in client deposits and more than 1 million trades over three years.
On compliance, Rand Network is registered with the Bank of Spain as Rand Protocol SL (number D697), client assets are held with BitGo under up to $250 million of insurance, and because it is applying for a MiCA license under CNMV oversight, its Cuenta Earn account (advertised at up to 6% annual yield) and Albumes Cripto portfolios are currently closed to new EU clients. Portfolio products charge a 0.20% commission with zero spread and a EUR 100 minimum.
The priority for Rand Network is securing the MiCA license and reopening yield products to new clients, using the Crowdcube proceeds to fund product development and European expansion.