# Savings

## Introduction to Savings

Savings programs offer clients a way to invest their idle funds and earn interest by holding them on savings accounts. These programs provide a passive method to grow their crypto or fiat assets, similar to traditional bank savings accounts.

{% hint style="success" %}

### Key points

* Savings programs can operate based on `Fixed` and `Flexible` strategies.
* In a `Fixed` strategy, clients must invest a predefined amount and earn a fixed interest rate throughout the program’s duration. These programs have a set period during which clients must hold their funds, and interest is accrued and paid according to the payment period set in a program.
* The `Flexible` strategy allows clients to deposit the minimum required amount or more and make additional deposits. The interest rate is flexible and determined by tiers, which assign rates based on the invested amount. Programs with flexible strategies aren’t limited by time, and interests are accrued daily and paid to clients on the first day of each month.
* To subscribe to a savings program, clients must have wallets denominated in the program currency. Earned interests are then paid to the same client wallets.
* When clients subscribe to savings programs and invest the required amounts, individual savings plans are created for them, including lists of interest payments.
* For both strategies, partial withdrawals are prohibited. Clients can only withdraw the full amount of invested funds, which leads to the termination of their respective savings plans.
  {% endhint %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.b2core.b2broker.com/back-office-guide/savings.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.