Simple, Transparent, Powerful
From opening your account to your first payout — the short version, then the complete walkthrough for those who want every detail.
From signup to
first payout.
Six deliberate steps. No hidden requirements, no complexity. Just a clear path to your first return.
Everything that happens
with your money.
The six steps above are the short version. Below is the complete walkthrough — written so it makes sense whether this is your first investment or your fiftieth. Every section starts with the plain-English version, then gives the exact mechanics for those who want the detail.
The model in one paragraph
You deposit funds and choose a fixed-term plan. Sable puts that capital to work across its managed strategies — AI-driven trading, digital assets, real estate, and hard assets — and in exchange pays you a fixed annual rate that does not change with the market. You receive interest every quarter, and your original deposit is returned in full when the term ends. Think of it like an institutional fixed-term savings account, not a trading app where you watch prices and place bets yourself.
Opening and verifying your account
Signing up takes a few minutes. Before you can invest, the law requires us to confirm who you are — the same check a bank runs when you open an account. It protects you and keeps the platform clean.
Onboarding has three short stages, all completed before any capital is deployed:
- Personal information — your name, contact details, and address. You can register with email and a password, or sign in with Google or Apple.
- Identity verification (KYC) — upload a government ID (passport, driver’s licence, or national ID) plus a quick selfie. Our compliance team reviews and approves it, usually within one business day.
- Investor profile — a short questionnaire on your goals, timeline, and risk tolerance so your specialist can tailor a plan. Sable’s fixed-term products are offered to accredited investors.
You also set an anti-phishing code during setup, which appears in every genuine Sable email so you can spot impersonators. See our security page for the full list of protections.
Getting money into your account
You can fund your account two ways: send cryptocurrency, or wire money from your bank. Crypto arrives in minutes to hours; a bank wire takes a little longer. Either way, our team confirms it and credits your balance.
Sable supports Bitcoin, Ethereum, Solana, and USDT on the crypto side, and US-dollar, Canadian-dollar, and euro bank wires on the fiat side. For crypto, your account generates its own dedicated wallet address for each network — you simply send funds to it.
| Method | How it works | Minimum | Typical speed |
|---|---|---|---|
| Bitcoin | Send BTC to your dedicated deposit address | 0.001 BTC | ~30 min (3 confirmations) |
| Ethereum / USDT | Send ETH or ERC-20 USDT to your ETH address | 0.01 ETH / 10 USDT | Minutes (12 confirmations) |
| Solana | Send SOL to your dedicated address | 0.1 SOL | Near-instant |
| Bank wire | Wire USD, CAD, or EUR using the details we provide | $1,000 | 1–3 business days |
Prefer to hold one asset but invest in another? You can convert between fiat and Bitcoin inside the platform. New to crypto deposits? Our step-by-step deposit guide walks you through it.
Choosing a term and how interest is paid
You pick how long to commit — 6, 12, 18, or 24 months. Longer terms earn a higher rate, up to 22% a year. Your rate is locked in on day one and never changes. Interest lands in your account every three months.
| Term | Fixed annual rate (APR) | Best for |
|---|---|---|
| 6 months | 10-12% | Trying it out / shorter horizon |
| 12 months | 12-15% | A balanced first commitment |
| 18 months | 16-18% | Most popular |
| 24 months | 19-22% | Maximum rate |
Interest builds up daily and is paid out to your balance every quarter (90 days). At the end of the term your original principal is returned in full. You can let it auto-renew for compounding, or have payouts sent to you automatically.
When you lock a crypto plan, the US-dollar value is fixed at the start, so your return is calculated on a stable number rather than a moving price. Interest on crypto plans is paid in US dollars.
Invest $50,000 in a 12-month plan at 12% APR. You earn ~$6,000 over the year, paid as roughly $1,500 every quarter, and your full $50,000 is returned at maturity. Try your own numbers in the calculator below.
Investing more than $100,000? You may qualify for a bespoke rate and dedicated account management — see the current rates page for details.
How your assets are kept safe
The biggest risk in crypto isn’t the market — it’s losing the keys or trusting the wrong custodian. Sable keeps the overwhelming majority of assets offline, insured, and behind multiple layers of protection, so no single failure can reach your money.
- Cold storage & multisig — 95%+ of assets held offline in geographically distributed vaults, requiring multiple independent keys to move.
- Institutional insurance — digital holdings covered against theft and catastrophic loss.
- Two-factor authentication — protect your account with a text-message code or an authenticator app. Set it up on the 2FA page.
- Withdrawal allowlists & encryption — funds only leave to addresses you pre-approve, and all data is encrypted with AES-256 and TLS 1.3.
Want the deep version? Read our explainer on how Bitcoin custody works.
Withdrawing your money
Your interest and, at maturity, your principal are yours to take out whenever the terms allow. You can withdraw as crypto to your own wallet or as a bank wire. A flat 2.5% platform fee applies, and every withdrawal is reviewed by our team before it’s sent.
- Two ways out — send crypto to a wallet address you’ve pre-approved, or wire funds to your saved bank account.
- Fees — a flat 2.5% Sable platform fee on withdrawals and conversions, plus the network fee for crypto. There are no hidden charges or subscription fees.
- Minimums — roughly $1,000 for crypto withdrawals and 5,000 units for bank wires.
- Review — for your protection, each request is manually approved before funds move. Full detail lives on the withdrawals page and fees page.
Tracking everything in one place
Once you’re in, a single dashboard shows what you hold, what you’ve earned, and what’s coming — plus live markets and a plain-language market summary. No spreadsheets required.
- Balances across every currency and asset you hold
- Your active plans with accrued interest and next payout date
- A complete transaction and payout history
- Live market data with an AI-generated summary in plain language
- Your gold certificate, loyalty tier, and referral rewards
- Notification and currency-display preferences you control
Sable also lets you hold allocated physical gold, stored in a secure Singapore vault with its own certificate — learn more on the gold page.
See Your Potential Returns
Calculate how your investment could grow with Sable's fixed-term savings solutions.
Interest is paid out in USD every quarter, calculated daily. Returns shown at the selected APY. Private wealth clients ($100K+) receive custom rates. For illustration only.
Rates, strategies & safeguards
Ready to grow your
wealth intelligently?
Join a select group of executives, entrepreneurs, and institutional investors who trust Sable to protect and grow their capital with AI-driven precision.
Accredited investors only. Past performance is not indicative of future results. Minimum investment requirements apply.