How it works

Hrvatska Kuna – HRK- How it works

CDs, known as Certificates of Deposit, are worth Billions. CDs are worth more than gold, credit card companies and cash. CDs pay higher interest than savings accounts, requiring money to be deposited for a fixed time.

Banks profit on poor customer service, early withdrawal fees and auto-renewing you at worse rates. They pay pitifully low interest. New FIAT money is printed all the time, making yours less valuable.

Hrvatska Kuna monetizes the “time and the amount” value of money in a totally new and better way. It takes the concept of CDs to the next level: Hrvatska Kuna replaces CD`s time locks, inefficient currencies, banks and payment networks with verifiably secure peer-to-peer technology.