Here in the Philippines, we call that as time deposit where you will be unable to withdraw your money on a specific months or year. Sad to say that we also have an interest rate of 1.25 % a year! Many inveestors said that cryptocurrency unmask the Banks hidden agenda. They are using your money without your knowledge and earn 1000 times or more than 1.25% interest rate they are giving a year. Those interest rate from the bank is a big proof of scam and greed in money.