Vauld Review – Let your Money Work For You

A boring intro

Hello, readers 👋!

I hope you all are doing well 😄. Did you ask how I am? Nope😕? Forget about it 😎.

I will be sharing more posts on ways to make money. But let me introduce you to your money’s enemy🙄. A big round of applause for “Inflation”.

Inflation: A dollar saved is a dollar wasted; thank me later😉.

Okay, fine! I know you’re not from a commerce background. Here’s an excellent article on inflation. Why am I sharing links to articles instead of explaining these jargons here? Well, some of you might have a sound knowledge of these terms. Further, most of these terms are out of the scope of this article.

Well, some of you might say, let’s get an FD 🎉.

You literally made me cry 😭.

The average yearly inflation is 5% (really, I verified it on statistica🥲)

When writing, the highest interest rate an FD can offer is 7%.

So, your money worked, and now its population has just increased by 2%—a well-planned financial society😅.

But banks are secure, isn’t it?

Yes, they are. But what if we can match their levels of security? Maybe we can help your money to make more money🤑?

Here comes Vauld.

Vauld and some interesting stats

Wait, Vauld is all about crypto? I can’t handle its volatility. It’s way too insecure. Better to watch my money grow in an FD 😭.

And why Vauld, why not stocks, equity, smallcase, portfolio, NBFC investment…..🤯.

Well, I don’t want to overemphasize how much I love (cough🤧 cough) FDs. And for the stocky folks, this article might not be for you if

  • You are an expert in reading charts and maybe an intraday trader.
  • You think in the long term and are willing to take risks.
  • There might be some more reasons😅. I leave a blank space for you.

The stock market’s overall return is around 10-12%. How did I come to this figure? Well, at DesiMoneyMaker, we strive for honesty and transparency. You can literally see your beautiful face in our blogs.

We took the NIFTY50, NIFTY100 and NIFTY500 figures and determined the five-year CAGR (Compounded Annual Growth Rate). Next, we can easily interpolate the data to figure out the one-year CAGR. Well, for more straightforward folks, you don’t need to understand these jargons😉.

I am personally using Vauld, and at the time of writing, the interest rate is 12% compounded monthly, which gives an annual interest rate of 12.68% annually🤑.

And without risks, as safe as a bank. Don’t worry; no asterisks (*) here. No T&C.

Safety stuff

Now, let me prove its safety.

We are going to invest in a stablecoin. Here’s another excellent article on stablecoins and how they work.

Some of you might be familiar with the recent demise of UST. I highly recommend you to read this article to know more about it. USDT works on a different mechanism called the overcollateralized model. Feel free to ask your doubts in the comments section below😉.

Next, here in India, banks offer insurance of 5 lakh rupees per account. At the time of writing, it’s around $6400. Well, Vauld provides insurance of $100 million per wallet 😎. You can read more about their insurance stuff from this article.

And most importantly, 95% of the funds are stored in a cold wallet – a wallet which isn’t connected to the web.

Well, I guess I have placed enough emphasis on the security part. In the later part of the post, you will see that I have also invested in Vauld. I trust them as much as you😊.

How to sign up on Vauld

As usual, I will be sharing two different links with you😁.

As usual, please create two buttons with non-referral first.

If you missed the referral link and still want to support us, consider using the code “zhim6r”.

Again, it’s your choice to use whichever link you want. Vauld gives us an option to set up our campaigns. Once referrals start kicking in, we will surely re-distribute 50% of the profits back to our readers. It’s a promise. We will receive 40% of your trading fees and 5% of the interest on your savings, FDs and loans. Giving back 50% of the interest to you means a boost of 2.5%, which increases the interest rate from 12.68% to 15.18%. That’s massive🚀.

Once you’re in the form, fill in the necessary details, confirm your email and phone number, and get the KYC done. It hardly takes 5 minutes to get everything done, but in some cases, it might take hours for the KYC. For additional security, you can enable MFA🔐.

Once done, you are ready to rock your financial world 😎.

Investment plans

Vauld gives you some options to choose from. Let me explain them first:

  1. Fixed Deposits (FDs) – A minimum lock-in period of 1 month. You can withdraw anytime, but don’t expect any rewards before maturity.
  2. Automatic Investment Plans (AIPs) – Automatically invest money into your favourite crypto-currencies or curated baskets. It might be risky; proceed with caution. I haven’t invested here, so I can’t guide you. Apologies🙏.

In this article, we will thoroughly cover only FDs.


At the time of writing this article, many controversies are revolving around UPI and crypto. If you look at the INR deposit page of Vauld, you might encounter something like this:

There was a time when Vauld used to offer a multitude of deposit options at 0 fees. But still, there is a way around to deposit at practically 0 costs.

You need to sign up at CoinDCX.

There are plenty of guides online. Just search for “CoinDCX offers” on your preferred search engine. You will be able to find some additional codes which might offer other incentives. These incentives will be locked until you deposit your first crypto within 15 days of using the coupon code. When writing, I got 222INR worth of BTC for free. I will be taking this figure as a reference.

You need to deposit INR on CoinDCX. Then you have to trade them to BNB. You can refer to the extensive support page.

Done? Pat yourself at the back. I am proud of you😊.

Next, we need to find the deposit address from Vauld. Just go to Wallet, then under crypto, search for BNB. Go to the deposit tab. You will see something like this.

Please don’t send anything to the above address. It’s just for reference.

Now, send all the BNB to this address. Make sure you have converted the incentives into BNB as well.

Next, go to the dashboard, start trading, and search for BNB.

Hit swap and the rest of the procedure is as easy as it sounds.

The incentives might be just enough to cover the associated fees. For massive amounts, P2P might be a good choice. But proceed with caution.

You can perform the same steps on any exchange of your choice. Make sure to choose BNB since Vauld supports a limited number of crypto-currencies. And out of these, most are not on their native chains. If you’re a beginner, it’s always wise to choose BNB. The article will be updated once any cheap alternative is available. Till then, I will solve your doubts in the comments section😉.

Final steps

Woah, congratulations on making it this far. You’re just one step away from earning interest. Go to Invest, then select Fixed Deposits.

Select the appropriate crypto, enter how much would you like to earn interest on, and choose whether you would like to auto-renew to enjoy compounding and smash the “Create Fixed Deposit” button.

Congratulations, you’re now earning interest.

Here’s a glimpse of my dashboard:

Graphical user interface, application, Word

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A happy ending

Thanks for making it this far. In the end, I would like to tell you something interesting. As you know, Rupee is running at an all-time low against the USD. You can always earn more as the value depreciates further. For example, a 2% depreciation means an interest rate of 12.68 + 2.5 + 2 = 17.18%. Isn’t it stunning?

Thanks once again for supporting DesiMoneyMaker. I will see you again in the following article👋.

Desi MoneyMaker