Bronze Plan
Featured7 day · USD · minimum $50
Short-term entry plan. 7 days, 5% fixed return on principal.
5%
Target return
Hold dollars. Send and receive in crypto, card, bank, or PayPal.
Folio keeps your balance in USD. Deposits arrive in any rail you use. Plans publish their duration and target return before you commit. Withdrawals go through a human, not a script.
Open for sign-ups. Create an account in two minutes and fund it the way you already move money.
Total value locked
$6,300
Active plans
4
Returns paid
$0
How it works.
Wallet
Your balance is denominated in dollars.
Send funds in BTC, USDT, EUR, NGN — we convert at the time of deposit. One USD number, always matching your statement, regardless of how the money arrived.
Plans
Returns are stated before you commit.
Every plan publishes its target return, duration and capacity up front. No variable yield. No marketing-team APRs that mean something different by Tuesday.
Movement
Five rails in, four rails out.
Crypto on-ramp via NowPayments. Card and PayPal via Checkout. Manual bank deposits with admin approval. Withdrawals follow the same set, reviewed by a human.
Trust
The ledger is auditable, not just visible.
Every balance change writes a paired transactions row with balance_before and balance_after. No silent adjustments, no hand-edited rows. Full audit log on admin actions.
Plans, with their terms in writing.
Silver Plan
Featured30 day · USD · minimum $250
30 day plan. 12% return. Balanced for steady growth.
12%
Target return
Gold Plan
90 day · USD · minimum $1,000
90 day vault. 40% target return. Slot-limited.
100 slots remaining
40%
Target return
Stablecoin 90-day
90 day · USD · minimum $100
Stablecoin-style yield, 90 days, 18% return.
18%
Target return
Built like the money matters.
Atomic ledger
Every balance change is row-locked, paired with a transactions row and committed inside a DB transaction. No partial writes, no double-spends.
Human-reviewed withdrawals
Funds leave only after a person on your admin team approves the request. A scheduled job enforces the SLA.
2FA and biometrics
TOTP with single-use recovery codes. The mobile app re-locks behind biometrics after one minute backgrounded.
Audit trail
Every privileged admin action — deposit approve, withdrawal reject, 2FA enable — writes an immutable audit row.
Lockouts
Eight failed logins triggers an exponential lockout. 2FA failures count against the same threshold.
PII isolation
is_admin, IP history, lockout state and 2FA secret never leave the database. /auth/me returns only what the client needs.