Just to be clear, 10% annual return is when your your money is in fiat. It does not follow the Bitcoin price movement. If you want your savings to be in Bitcoin, then I can only offer 1% return. That is because it takes a lot of extra work to keep the savings in Bitcoin because the Bitcoin price is very very volatile. So I need to pay a lot of extra platform fees, which means 10% returns goes down to 1% return. However, I've found that it is in fact not possible to keep the savings in Bitcoin profitably, so I will go back to 10% return and tell you that your investment will not follow Bitcoin price movement.

In addition, I have instant access to the money. What takes long is transferring it to a Bitcoin exchange and converting it to Bitcoin. This can take several days. In addition, there are fees associated with this. So instead of telling letting everyone do their own deposits and withdrawals, and pay for the fees individually, I thought it would be better to do this once a week for everyone in a lump transaction, in which case some fixed costs can be shared.