Your savings on Rebind grow because they participate in open digital money markets. These markets match people who want to save with people who want to borrow. Borrowers pay interest for fast and flexible access to liquidity. Savers receive that interest as yield.

This article explains how these markets work, why they are designed to be secure and why they can offer higher returns than traditional savings accounts.

What open money markets are

Open money markets are digital lending systems that connect two groups.

Lenders. People who want to earn yield on their savings.
Borrowers. People or institutions that want to borrow against their assets.

These markets run on transparent software that operates automatically on the blockchain. There are no clerks, no paperwork and no internal margins. The rules are encoded in computer programs that follow the same logic every time.

This leads to a system that is predictable, fast and efficient.

Why borrowers use these markets

Borrowers choose these markets because they offer benefits that traditional loans do not.

• They can borrow without selling their assets.

• The process is instant and available at any time.

• There is no paperwork or approval process.

• Borrowers can repay whenever they want.

• The markets work globally.

• The rules and costs are fully transparent.

Borrowers accept higher interest rates because the service is flexible and convenient. This interest becomes the yield savers earn.

Why lenders use these markets

Lenders participate because they want to earn yield on their savings. Because the markets operate without unnecessary middle layers, more of the value stays with the saver. They also run continuously, without depending on banking hours or manual intervention.

On top, these markets create a very reliable and stable structure for earning yield by requiring borrowers to post collateral.

How collateral keeps the system safe

Collateral is the main safety mechanism in open money markets.

When borrowers take out a loan, they must deposit assets that have a higher value than the amount they borrow. Most large markets require between 110 percent and 130 percent collateral. This ensures the loan is always safely covered.

If the value of the collateral begins to fall, the system automatically sells a portion of it to repay the loan. This process is called liquidation. It is automated and does not rely on human intervention.

This structure greatly reduces the risk of loan defaults because the loan is always backed by more collateral than borrowed.

The role of automated software

Open money markets are governed by automated software rather than by people. This software:

• checks collateral

• calculates interest

• manages borrowing limits

• processes repayments

• triggers liquidations when required

• updates balances for lenders

• keeps the market stable at all times

Because the rules are encoded in software and run on the blockchain, they cannot be changed arbitrarily. This removes many points of failure and creates a transparent and predictable system.

Why Rebind uses only the largest markets

Rebind connects only to the most established and widely used money markets.

Three of the most trusted ecosystems are:

• Aave

• Morpho

• Fluid

All are open source, heavily audited and used by thousands of users and institutions. Their liquidity and long operating history make them reliable foundations for savings.

Why these markets are trusted at scale

Large markets create stability through size and maturity. They have:

• more than 30 billion euros in total deposits

• millions of transactions each year

• years of operational history without systemic failures

• integrations with institutions such as Coinbase, Société Générale and other global players

This scale helps smooth out fluctuations in supply and demand and demonstrates that the system is used far beyond early adopters.

Rebind builds on this proven infrastructure and makes it accessible through a simple and familiar savings experience.

How your balance grows over time

The interest borrowers pay is added to the lending pool. While your share of this pool stays constant relative to your deployed capital, the value in the pool itself increases as interest accumulates. This happens continuously, which is known as auto compounding.

Because your new interest also begins earning interest, your savings grow faster over time. You do not need to claim rewards or take any action. Your balance updates automatically.

Your money is never locked. You can withdraw at any time.

In short

Your savings grow because borrowers pay interest to access liquidity. Open money markets distribute this value to savers through efficient, over-collateralized and transparent systems. Rebind connects you to these markets through a simple app that keeps your money accessible at all times.