Fixed‑Term Savings (USD)

Your money. Your terms. Transparent earnings.

Earn on your USD with fixed‑term savings. You choose a term; we operate institutional‑grade yield infrastructure behind the scenes. No auto‑enrollment—funds are only placed when you opt in.

Important: Fixed‑Term Savings are not bank deposits and are not insured by FDIC, SIPC, or any governmental scheme. Rewards are variable and not guaranteed. Displaying balances in USD is for your convenience and does not make them fiat deposits. See Terms.

How it works

• Pick a term — 7 / 30 / 90 / 180 days.
• Deposit USD — you see and manage your balance in USD in‑app.
• Opt in — we allocate to yield infrastructure using hosted wallets and institutional validators.
• Get paid at maturity — principal + any rewards (net of commission) credit back to your USD balance.

Your account is client‑directed. We execute only on your instructions; no auto‑staking of idle balances. Unstaking and exit may involve protocol waiting periods outside our control.

Why Buburuza

• USD front‑end — balances and statements display in USD for ease of use (display only; not fiat deposits).
• Hosted wallet custody — we hold Supported Digital Assets for you; title remains with you and assets are not our general assets.
• Institutional security — MPC custody and DRS arrangements with Fireblocks/Coincover for disaster recovery readiness.
• Compliance by design — ongoing KYC/KYB/KYT, sanctions screening, and record‑keeping under our AML programs and global principles.

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Indicative USD fixed‑term rates

Estimates are illustrative and vary with network conditions and validator performance. You have no right to rewards until we actually receive them, and they are not guaranteed. Full terms apply.

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Fees & commissions

• Service commission: 15% of rewards only (never on principal).
• Network / validator / custody costs: reflected in the in‑app net estimates.
• Early exit (if offered for a given term): an unbonding / processing window may apply and foregone rewardsmay occur.

Protocol transparency (unbonding & slashing)

Your in‑app experience remains USD‑denominated. For transparency, our engine may use these networks. Timelines can change with network conditions.

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Slashing policy (summary): We use commercially reasonable efforts to prevent slashing. If your staked assets are slashed, we replace affected principal unless slashing results from (i) your acts/omissions, (ii) third‑party service provider acts/omissions, (iii) protocol failures or circumstances beyond our reasonable control, or (iv) acts by a hacker or other malicious actor. Full Terms apply.

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Early access & processing windows

Where a term supports early access, any processing window and foregone rewards are shown before you confirm. If no early exit is offered, funds unlock at maturity following any protocol unbonding period.

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Safety & custody

We provide a hosted wallet service and act as custodian for Supported Digital Assets held for you. Digital assets are not insured by any governmental agency and are not protected by SIPC or similar entities. We do not treat your assets as our general assets; title remains with you. Wallet architecture and address usage may vary as permitted in the Terms.

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Security & privacy certification roadmap

We publish our cybersecurity/governance roadmap with target windows below (subject to audits and regulator guidance):
ISO/IEC 27001, ISO/IEC 42001, ISO 22301 (target: Q4’25–Q4’26); SOC 2 Type I → Type II (target: Q1’26 → Q3’26); ISO 27701, ISO 27017/27018, ISO 31000 (target: Q1–Q2’26); SOC 1 Type I → Type II (target: Q1’26 → Q3’26); NIS 2 / DORA (target: Q2–Q2’26); PCI DSS (target: Q2–Q3’26); USDP, EU AI Act, ISO 30107‑3 (target: Q2–Q4’26). See Trust Center → Security & Privacy Roadmap for live status.

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Legal / entity notice (International)

Services may be provided by affiliates as set out in our Terms. Buburuza Bank Ltd. (Comoros) is licensed as an international bank (License L15989/BBL). See Terms for the applicable service entity in your country.

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Plain‑English disclosures

• Not a deposit; not insured. Programs are not FDIC/SIPC‑insured; USD display is for convenience only.
• Ownership. Title remains with you; assets are not our general assets.
• Rewards. Variable and not guaranteed; you have no entitlement until we actually receive them, net of fees.
• Unbonding. Exit timing depends on protocol conditions and queues.
• Third‑party infrastructure. Certain custody/DRS components are provided by approved partners (e.g., Fireblocks/Coincover).

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U.S. Jurisdiction‑Specific Addendum (ARL‑Compliant)

No auto‑renewal by default.
Your Fixed‑Term Savings does not auto‑renew unless you affirmatively enable “Rollover” in‑app.

If you enable “Rollover,” we will:

• Present clear, conspicuous Rollover terms (term length, how rewards are estimated/credited, fees/commissions, and how to cancel) before you confirm;
• Obtain your affirmative consent (checkbox or equivalent);
• Send pre‑renewal reminder notices within the timeframe required by your state’s ARL, with details of the upcoming renewal and how to cancel;
• Provide a continuous, easy‑to‑use online cancellation path (Settings → Savings → Manage → Cancel Rollover), plus email support; and
• Send an acknowledgment/receipt of Rollover terms (email and in‑app).

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Canceling Rollover:

Open the app → Settings → Savings → Manage → Cancel Rollover (or reply to the acknowledgment email). Cancellation is effective immediately for future terms; the current term follows its unbonding/maturity rules.

Regardless of Rollover, Fixed‑Term Savings are not bank deposits and are not insured (e.g., FDIC/SIPC). Rewards are variable and not guaranteed.

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Canada — Jurisdiction‑Specific Addendum

No auto‑renewal by default.
Your Fixed‑Term Savings does not auto‑renew unless you explicitly enable “Rollover.” If you enable it, we will:

• Display clear, conspicuous Rollover terms before confirmation;
• Obtain affirmative consent;
• Provide pre‑renewal reminders where required by provincial/territorial law; and
• Offer simple online cancellation (Settings → Savings → Manage → Cancel Rollover) with email confirmation.

AML / KYC / reporting.

We operate under Canadian anti‑financial‑crime frameworks (PCMLTFA/FINTRAC), including KYC/KYB/KYT, sanctions screening, record‑keeping, reporting, and training.

Ownership & insurance.

These programs are not bank deposits and not insured by CDIC/SIPC/FDIC. Title remains with you; rewards are variable and not guaranteed; unbonding/processing windows may apply per protocol. See Terms and the table above.

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Hong Kong — Jurisdiction‑Specific Addendum

No auto‑renewal by default.
Your Fixed‑Term Savings does not auto‑renew unless you explicitly enable “Rollover.” If you enable it, we will show clear Rollover terms, obtain affirmative consent, send pre‑renewal reminders where required by local consumer‑protection rules, and provide online cancellation (Settings → Savings → Manage → Cancel Rollover) with acknowledgement.

AML / CFT compliance.
We maintain AML/CFT/CPF policies, customer risk assessment, transaction monitoring, sanctions screening, and reporting procedures consistent with our policy framework and local expectations.

Ownership & insurance.
Programs are not deposits under Hong Kong’s Deposit Protection Scheme and not insured. Rewards are variable and not guaranteed; unbonding/processing windows may apply per protocol. See Terms and the table above.

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Comoros — Jurisdiction‑Specific Addendum

No auto‑renewal by default.
Your Fixed‑Term Savings does not auto‑renew unless you explicitly enable “Rollover.” If you enable it, we will present clear Rollover terms, obtain affirmative consent, send pre‑renewal reminders where required, and provide online cancellation effective for future cycles; current terms follow protocol unbonding/maturity rules.

Licensing notice.
Services may be delivered under Buburuza Bank Ltd. (Comoros), licensed as an international bank (License L15989/BBL), as set out in the Terms.

Ownership & insurance.
Not insured deposits; USD display is for convenience and does not transform balances into fiat deposits. Title remains with you; rewards are variable and not guaranteed; unbonding windows may apply per protocol. See Terms and the table above.

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Notes on backend representation

Your experience is USD‑denominated for clarity. Internally, the system may use digital‑asset mechanisms to route and account for positions; off‑ramp conversions occur automatically as needed. USD display is for convenience only and does not create a fiat deposit. See Terms.

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Footer (International)

Buburuza Bank Ltd. (Comoros) — International Banking License L15989/BBL. Services may be provided by affiliates per the Terms. © Buburuza. All rights reserved.