Money markets pay by the day. Now you can be paid by the day.
The money market has worked for institutions for decades.
INTERESTperday.com opens it to you.
Earn daily. Get paid daily.
A worked example, not an offer or a forecast. Rates vary by instrument, tenor and issuer. Capital is at risk.
The most conservative part of the debt market is also the part you were kept out of
Long bonds are where investors take a view on a borrower's next ten or thirty years. The money market is the opposite trade. Maturities run from overnight to about three years, so you are underwriting a borrower you can already see: this quarter's cash flows, this year's refinancing, not a decade of unknowns.
Default probability is a function of time as much as of the borrower, which is why the highest-rated paper in the world lives at the short end. It is where corporate treasurers, insurers, banks and central banks hold the money they cannot afford to lose.
Short tenor is the risk control
A ninety-day exposure to a strong issuer is a fundamentally different proposition from a ten-year one at the same coupon. You are not forecasting a decade. You are checking a quarter.
Duration risk stays small
If market rates move against you, short-dated paper reprices modestly and then matures at par soon afterwards. A long bond can surrender years of income in a single repricing.
Money comes back constantly
Short maturities produce a portfolio that self-liquidates in a rolling stream. You reinvest at whatever the market pays next, instead of being married to a rate set years ago.
The rate is written on the instrument
No dividend to be declared, no earnings to be beaten, no management to be trusted with the upside. A coupon, a schedule and a maturity date.
We did not invent daily interest.
We stopped hiding it.
Simple interest, no compounding assumed, ACT/365 basis. Illustrative only. The actual day count, accrual start and payment dates are set by each instrument's terms.
Take it out
Daily and weekly cadence turn a holding into income. The alternative, breaking a fixed deposit early and surrendering the rate, is a penalty you no longer have to pay for needing your own money.
Or let it compound
Set credits to reinvest and each payment buys more of the same note at the prevailing price. The shorter the cadence, the sooner compounding begins working on your behalf.
Read the rate, not the rhythm
A higher coupon almost always means a weaker credit or a longer lock. Daily payment is a convenience; it is not a return, and it does not make a fragile issuer sound. Compare on grade, security and tenor first. Cadence last.
Fund, and be paid, in the unit that suits you
Subscriptions, interest credits and redemptions do not all have to clear in the same currency for every investor. You choose the settlement unit when you fund your wallet, and different holdings can settle in different units. What you are lending and what the borrower owes do not change. Only the unit it reaches you in does.
The default. Subscription, every coupon and the final redemption clear in one dollar-referenced unit, so the only currency decision you make is the one at the entrance rather than a fresh one at each payment date.
For investors in the Emirates who would rather be paid in the currency they actually spend. The dirham holds a long-standing peg to the dollar, so dirham settlement does not put a separate exchange decision between the coupon and your account.
Settling in LYD earns additional rewards on top of the coupon the instrument already pays. The reward accrues alongside the interest and is credited on the same cadence you selected for your coupons.
You have always been allowed near the money market.
Never into it.
Individuals were never excluded from money market returns. They were excluded from money market instruments. What was offered instead was a wrapper: a liquid or money market fund that buys the paper on your behalf, holds a cash drag against redemptions, charges a management fee and a distribution fee, and hands over what survives. You get exposure to an average. You do not get to see the issuer, choose the tenor, or hold a specific instrument to its maturity.
The direct route was difficult for two main reasons.
First, these investments are usually offered in very large amounts. In India, a single high-grade corporate bond can require an investment of around ₹1 crore, while commercial paper may require even more.
Second, these investments are usually distributed through institutional brokers and dealing desks. If you are not already connected to them, it can be difficult to get access.
Conventional route
Typical minimum for one high-grade corporate bond in the primary market, plus a broking relationship, a demat account and a settlement window measured in days. One issuer, one maturity, one concentrated position.
Here
Instruments are issued in units of small face value, so an institution and an individual hold the same offering on identical terms: same coupon, same seniority, same maturity date.
Everything you need to price the risk, on the face of the instrument
A fund gives you a name and a past return. An instrument gives you a borrower, a rank, a rate and a date. Every offering is presented in the same format, so two instruments can be compared on the things that decide whether you are paid: who is borrowing, what stands behind the promise, where you sit if it is broken, and for how long you are exposed.
The coupon is the smallest part of the decision
Two notes can carry the same headline rate and be entirely different propositions. A senior secured note from a rated issuer at 10.5% and an unsecured note from an unrated one at 10.5% are not competing offers. One of them is mispriced, and it is not the secured one.
Interest per day is a comparison tool
Quoting the daily figure per 10,000 invested puts every instrument on one scale regardless of coupon frequency, tenor or day count convention. It is the fastest way to see what an offering actually pays you relative to another.
Specimen shown for illustration. Field values are placeholders and do not represent an available offering.
Rates differ across the world. Access to them should not.
The same instrument is worth different things to different investors, depending on what their home market already offers them. Three situations account for most of the people this was built for.
The problem is not finding higher returns. The problem is getting access to good-quality investments that offer attractive returns.
High-rated, secured and short-term debt has traditionally been bought by institutions because it offers a balance of safety, short maturity and return. But individual investors often cannot access these investments because of high minimum amounts and limited distribution.
As a result, individual investors usually get access through funds, where returns are averaged across many investments, or through investments carrying higher credit risk.
INTERESTperday.com changes this by giving eligible investors direct access to such instruments in smaller units.
For every investment, you can clearly see the interest rate, credit rating and security before you invest.
Companies have long used the money market for a simple purpose: keep spare cash earning, invest it for a short period, and get the money back without locking it away for too long.
Individuals often have the same need. It could be money kept for a house purchase, business expenses, an emergency fund, or money coming out of a fixed deposit.
The need is the same: keep the money safe, keep it earning, and keep it available.
Until now, individual investors had very few similar options.
What this is not
It is not a savings account, and there is no deposit guarantee behind it. It is not equity, and there is no upside beyond the stated coupon. It is lending, at a rate agreed in advance, to a borrower you have chosen.
What it asks of you
One judgement, made once per instrument: is this borrower good for this amount over this period. Everything the listing shows is arranged to help you answer that, and nothing here answers it for you.
Five steps from account to first coupon
Instruments are issued and administered on the Lydiaan Protocol, which holds the register of who owns what and executes every corporate action against that register.
Open an account and verify
Identity and source-of-funds checks. Eligibility depends on your country of residence; some offerings are restricted by jurisdiction or investor category.
Fund your wallet
Deposit in USDT, AED or LYD, the native unit of the protocol. The balance stays idle until you subscribe. Nothing is swept anywhere without your instruction.
Choose an instrument
Filter by coupon, credit grade, tenor and sector. Every listing carries the issuer, what secures the note, the payment schedule, and the interest earned per day per 10,000 invested.
Subscribe and set your cadence
Enter the amount, choose your settlement unit, choose daily, weekly, monthly or quarterly credits, and decide whether coupons pay out or reinvest. Your holding is recorded against the issue.
Collect, and redeem
Interest accrues from the settlement date and is credited on your chosen rhythm. At maturity the face value is redeemed to your wallet automatically.
One register
Coupon schedules, credited and pending payments, redemption dates and issuer resolutions sit in a single account view, per instrument, with the full history retained.
Nothing happens silently
Any corporate action affecting an instrument is announced to holders, with its terms and its deadline, before it takes effect. Notice is a protocol function, not a courtesy.
From the group, through the protocol, into the market
This is not a standalone application. It sits at the end of a licence chain that begins with a professional services group and runs through infrastructure that the same group built and owns.
Software development and digital marketing, UAE. Develops and owns the Lydiaan Protocol.
Blockchain digital asset issuance and management infrastructure. www.lydiaan.com
Money market and debt instruments: issuance, distribution, interest and redemption.
United Arab Emirates
Ireland · European Union
India
What can go wrong
Lending is not saving. A coupon is a promise from a borrower, and promises fail. Short tenor and a strong rating shorten the odds. They do not remove them.
Principal risks
- Credit and default. If the issuer cannot pay, you can lose coupons and some or all of your capital. A credit rating is an opinion about that likelihood, not a guarantee against it.
- Liquidity. Plan on holding to maturity. You should not assume you will be able to realise a position early, or at any particular price.
- Currency. USDT and AED track the dollar, so if you earn or spend in rupees, euros or yen your real return still moves with that exchange rate, and a peg can break.
- LYD settlement. LYD is the protocol's own unit and is not pegged to any currency. Rewards earned by settling in LYD are defined as an amount, not as a value, and that value can fall as well as rise.
- Interest rate and reinvestment. Short paper reprices gently, but it also matures often, and it may mature into a market paying less than you were receiving.
- Concentration. Small units make diversification possible. They do not make it automatic. Several instruments from one issuer or one sector remain a single risk.
- Platform, protocol and custody. Technical failure, smart-contract defect or loss of access to your wallet can affect your holding.
- Regulatory and tax. Availability, treatment and reporting obligations differ by country and can change. Interest income is generally taxable in your hands.
This page is a marketing communication provided for information only. It is not investment advice, not a recommendation, and not an offer or solicitation to buy any instrument. It does not take account of your objectives, financial situation or needs. All figures shown are illustrative worked examples using assumed rates; they are not forecasts, and no return is promised or guaranteed. Past payment history does not indicate future performance. Invest only after reading the offering documents for the specific instrument, and take independent professional advice where appropriate. Products and services described may not be available in all jurisdictions and are subject to eligibility checks. Capital is at risk.
The things people ask before they open an account
Is this a deposit or a savings account?
No. A deposit is a claim on a bank, protected in most countries by a deposit guarantee scheme. This is a debt instrument: a loan to a named borrower, on terms you can read, with no guarantee scheme behind it. The return is contractual rather than discretionary, but so is the risk. If the borrower fails to pay, there is no third party who makes you whole.
How is the daily interest actually calculated?
Interest accrues from the settlement date on the face value you hold, at the instrument's stated coupon, on the day count basis set in its terms. The calculator on this page uses simple interest on an ACT/365 basis, which is the most common convention for the instruments described here. The credit you receive is the accrued balance since the last credit, swept at the cadence you selected.
Changing cadence does not change what you earn. It changes when the money is available to you.
What happens at maturity?
The face value is redeemed to your wallet automatically on the maturity date, together with any interest accrued and not yet credited. Nothing is rolled over without your instruction.
What can I settle in?
USDT, AED or LYD, the native unit of the Lydiaan Protocol. You choose per holding when you subscribe, and subscription, coupons and redemption then all clear in that unit, so the only currency decision you make is the one at the entrance rather than a fresh one at each payment date.
USDT and AED both track the dollar. Settling in LYD earns additional rewards on top of the instrument's coupon, but LYD is not pegged to any currency, so its value can move. Whichever unit you choose, if your home currency is not the dollar your real return still moves with that exchange rate, and a peg is a mechanism rather than a law of nature.
Who can invest?
Eligibility depends on your country of residence and, for some offerings, on your investor category. Every account goes through identity and source-of-funds checks before it can subscribe. Individual offerings may be restricted to particular jurisdictions, and those restrictions are shown on the listing.
What does the Lydiaan Protocol actually do here?
It holds the register of who owns what, and it executes every corporate action against that register: interest runs, redemptions, conversions, announcements and holder votes on issuer resolutions. In conventional fixed income those functions are split across a registrar, a paying agent, a custodian and a trustee. Here they run on one system, so your holding and the record of your holding are the same object rather than two records that must be reconciled.
How am I taxed?
Interest income is generally taxable in your hands, and the treatment, the rate and the reporting obligations depend on where you are resident. Nothing here is withheld or reported on your behalf unless the offering documents say otherwise. Take advice from a professional in your own jurisdiction before you invest.
Issuers, distributors and investors
Enquiries are handled through the AGP Group. Tell us which side of the instrument you are on and the relevant team will come back to you.
INTERESTperday.com is a product operated under an exclusive worldwide licence to use the Lydiaan Protocol for money market and debt instruments, granted by AGP Webpulse LLC FZ. © 2026 AGP Group. All rights reserved.