Moneta – High-yield Investment Instrument

Moneta is an investment tool, introduced by Crystal in November 2022. Legally the product is a promissory note (PN) regulated by respective law. Product advantages are security and high effective interest rate of up to 14% in GEL and 5.5% in USD, available both for individuals and legal entities.

Crystal has introduced 2 types of products: Closed and Open. Though Closed PN, customer is able to withdraw the principal at maturity, Open PN is allowed to be withdrawn at any time during the contractual period.

The customers are able to invest in Moneta both through GEL and USD.  The minimum amount is GEL 100,000 (or its equivalent in US dollars) while its maximum amount is GEL 3,000,000 (or its equivalent in US dollars). As for the tenor, “Moneta” can be issued for a minimum of 3 and a maximum of 12 months; Interest can be realized monthly, or at maturity.

“Moneta” allows customers alternative investment opportunity to benefit with high returns, fixed rates and flexible terms.

It is noteworthy that with the funds raised through the investment product, “Crystal” will be able to finance the target segment – small entrepreneurs throughout Georgia, including the regions, with more favorable terms, to provide sustainable financing as part of corporate social responsibility objectives – care for the environment and women empowerment, and to promote the supply of financial resources, eventually contributing to the development of the market and the country’s economy.