What is Grow?
Grow is a savings crypto wallet offering up to 14% annual return. It lets you store cryptocurrency and earn with compounding Rewards.
Types of Grow
Fixed — opened for a fixed term of 30 to 360 days. Early closure is only possible by contacting support. In this case, all accrued and capitalized Rewards for the period will be forfeited.
Fixed with Flexible Withdrawal — opened for a fixed term of 30 to 360 days with the option for early closure and withdrawal of funds. Upon early closure, you will receive the full principal back, but will lose any Rewards accrued since the last capitalization.
Flexible — an indefinite term with the option for withdrawal and early closure at any time.
What’s the return rate in Grow?
Up to 7.5% for BTC, LTC, BCH, ETH
Up to 4.2% for GRAM
Up to 14% for stablecoins (USDT and USDC)
You can learn more in How much you can earn with Grow.
How Rewards is calculated
Rewards on Grow is accrued daily at 12:00 AM UTC. Rewards is compounded every 30 days.
Rewards applies to funds that have been held in Grow for at least 24 hours. For example, if your transaction is credited to Grow today, Rewards on that amount will start being calculated tomorrow.
Increased Reward rate
A Reward rate of 14% may be available for Grow in USDT or USDC of 50,000 or more, with a 360-day term, no early closure and no partial withdrawals, subject to eligibility and our approval. To request it, open a Grow with USDT or USDC for 360 days at the 10.5% rate and fund it with 50,000 coins, then contact support at [email protected] from the email linked to your account. Approval is at the discretion of Coinhold Wallet in accordance with the Terms of Service and the Product Terms.
When and where will the funds be credited after a partial withdrawal or closure?
After a partial withdrawal or closure, funds are usually credited to your Coinhold wallet within about 24 hours, but it may take longer.
If you close your Grow early, funds are usually returned to your Coinhold wallet within about 3 business days, but it may take longer.
If a fixed Grow is closed after auto-renewal, only the Rewards accrued after the Grow expiration date will be forfeited. All Rewards accrued for the original term will be credited to your Coinhold wallet.
What is fast withdrawal?
For Grow with the option of early closure or partial withdrawal and flexible Grow, a fast withdrawal may be available. In that case, funds are usually credited within about 4 hours. This operation implies a commission of 0.5% of the withdrawal amount (currently). Coinhold Wallet may limit or postpone withdrawals in accordance with the Terms of Service (section 5.3.9).
The fast withdrawal feature is also available when closing Grow, if the amount of funds does not exceed the available fast withdrawal limit.
The fast withdrawal limit is currently updated every 24 hours and consists of 60% of the total amount of funds in all of the already opened Grow with the option of early closure or partial withdrawal and flexible Grow.
You can find answers to frequently asked questions about Grow in our FAQ.
Grow is not a bank deposit and is not insured. By placing assets in Grow, you transfer ownership of the assets to Coinhold Wallet and bear the credit risk of Coinhold Wallet. Reward rates may change, and redemption may be limited. The product is not available in all jurisdictions. See the Terms of Service (section 5.3) and the Product Terms of your Grow plan.
Availability depends on your country of residence and verification level. Services are not available in Restricted Jurisdictions under the Terms of Service.
Last updated: 3 November 2026