Frequently Asked Questions
Browse our most frequently asked questions, and if you can’t find what you’re looking for, please don’t hesitate to get in touch with the AQRU team.
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- What interest rates do you pay?
You receive up to 10% interest on USDC stablecoins, 0% on Ethereum and 0% on Bitcoin. Funds can be added and removed in cryptocurrency or fiat currency daily.
- Do you charge any fees?
When you withdraw funds from the platform there is no fee for fiat withdrawals. We charge a $10 fee for Bitcoin withdrawals and $20 for withdrawals in other cryptocurrencies, payable in the asset you take out.
What payment methods do you accept?
We accept payment by card, bank transfer, or wallet-to-wallet crypto payments (currently accepting BTC, ETH, USDC)
- Are you regulated?
Accru Finance Ltd. (Bulgaria) is a company registered in Bulgaria with registration number 206651201 whose registered address is 9 Tsarigradsko Shose, 1124, Sofia, Bulgaria. Accru Finance Ltd. (Bulgaria) is a subsidiary of Accru Finance Ltd. (UK), a private limited company registered in England and Wales with registration number 13133682.
- Are you secure?
Cryptocurrencies are inherently high-risk products as blockchain technology is new. The main risks faced by companies within the crypto space are:
Hacking – crypto wallets held by AQRU are penetrated by third parties. AQRU uses leading wallet infrastructure provider Fireblocks to ensure security of assets. We also have a $30 million policy in the event assets are stolen.
Coin risk – if the underlying coins are disrupted by bad actors they could lose a large portion of their value. For example, if someone were to launch a 50% attack on Bitcoin, they could issue large amounts of new Bitcoin thus devaluing it. We see this risk as relatively low as we only provide access to the largest most liquid cryptocurrencies on our platform.
- What is the minimum deposit and withdrawal?
AQRU accounts are now available with a minimum balance of USD250k. There isn’t a withdrawal minimum as long as you can cover the fee.
- Do I still own my coins when I send them to AQRU?
AQRU acts as a cryptocurrency custodian. By doing so, we take full control of customer assets when they are deposited. These deposits are protected by our wallet insurance provided by Fireblocks.
- How long does it take to deposit or remove funds?
For cryptocurrency we will usually notify you of receipt of funds within 20 minutes of you making a transfer.
With fiat currency, this will depend on your bank and method of payment. Some transfers can take as little as an hour to be confirmed others, such as those sent internationally, can take up to 5 days to clear depending on where your bank is based.
- Why do I need to provide identification?
We take all regulatory and anti-money laundering requirements extremely seriously and adhere to all requirements set by regulators. We have a responsibility to ‘know our customer’ and ensure we know the source of any funds transferred to an account. Please be patient with our questions and document requests as these processes only strengthen the credibility and security of the cryptocurrency ecosystem.
- Who are AQRU?
AQRU was created by an experienced team of investment, payment and technology experts. AQRU was created out of a frustration with the difficulty that many people face to generate returns from their cryptocurrency. The crypto market was initially created to make financial services available to everyone however, it has quickly become complex, full of jargon and impenetrable to everyday investors. AQRU is here to change that. We have created an easy-to-use platform making it simple to convert fiat into crypto and begin earning high returns on your chosen assets immediately.
- Which cryptocurrencies do you cover?
You can deposit or invest in Bitcoin (BTC), Ether (ETH) or stablecoins (USDC). We will add more in response to demand but will always have a strict requirement that the coin have a consistent track record and proven utility.