A Swiss-franc account
that lives on-chain.
Whether you start from a bank account or a crypto wallet, ZCHF deposited in the savings module earns the protocol rate and stays in your own wallet.
Two ways in
Either way, interest is paid only on ZCHF you deposit in the savings module, starting three days after the deposit. ZCHF sitting in a wallet earns nothing.
From a bank account
Send francs or euros by bank transfer to Mt Pelerin and receive ZCHF in your wallet with 0% fees. Then deposit it in the savings module.
Buy by bank transfer →From a crypto wallet
Swap USDC, USDT or ETH into ZCHF on CoW Swap, Curve or Uniswap. Then deposit it in the savings module.
Swap on CoW →Save or invest?
Both start with ZCHF. One keeps you in francs; the other makes you a part-owner of the protocol.
| Save in ZCHF | Invest in FCS (Frankencoin Shares) | |
|---|---|---|
| Purpose | Keep Swiss francs and earn the savings rate on them. | Take a stake in the protocol's equity and governance. |
| How returns arise | The rate set by governance, paid out of borrowers' interest. It accrues continuously and can change. | The reference value follows the equity reserve, which grows with protocol income and shrinks with losses. The market price can differ from it and can fall. |
| Where to start | Savings module in the app → | About FCS → |
Open your franc account.
Buy ZCHF by bank transfer or swap, deposit it in savings, withdraw whenever you like.
