{"data":{"bancos":[{"id":9960,"entity":"Nu Colombia","product":"CDT Nu 180 dias","slug":"nu-colombia-cdt-180d","category":"bancos","subcategory":"depositos","product_type":null,"apy":9.7,"score":8.97,"currency":"COP","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"fgd","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/nu.com.co\/productos\/cdt\/","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"manual","notes":"CDT (Certificado de Deposito a Termino) digital Nu Colombia a 180 dias. 9.70% E.A. Minimo 50.000 COP. 100% digital. Protegido por Fogafin hasta 50M COP."},{"id":9959,"entity":"Nu Colombia","product":"CDT Nu 90 dias","slug":"nu-colombia-cdt-90d","category":"bancos","subcategory":"depositos","product_type":null,"apy":9.5,"score":8.91,"currency":"COP","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"fgd","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/nu.com.co\/productos\/cdt\/","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"manual","notes":"CDT (Certificado de Deposito a Termino) digital Nu Colombia a 90 dias. 9.50% E.A. Minimo 50.000 COP. 100% digital. Protegido por Fogafin hasta 50M COP. Tasa vigente desde feb 2026."},{"id":9961,"entity":"Bancolombia","product":"CDT Bancolombia","slug":"bancolombia-cdt","category":"bancos","subcategory":"depositos","product_type":null,"apy":9.09,"score":8.8,"currency":"COP","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"fgd","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.bancolombia.com\/personas\/productos-servicios\/inversiones\/cdts\/fisicos\/simulador-cdt","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"manual","notes":"Certificado de Deposito a Termino del banco mas grande de Colombia. Tasa referencial a 60 dias: 9.09% E.A. Tasas variables segun plazo y monto. Protegido por Fogafin hasta 50M COP."},{"id":9958,"entity":"Nu Colombia","product":"Cajita Nu Colombia","slug":"nu-colombia-cajita","category":"bancos","subcategory":"neobanco","product_type":null,"apy":8.75,"score":8.7,"currency":"COP","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"fgd","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/nu.com.co","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"manual","notes":"Cuenta de ahorro Nu Colombia. 8.75% E.A. sin plazo fijo. Rentabilidad diaria. Protegida por Fogafin hasta 50M COP. Sin deposito minimo. Tasa vinculada a tasa de politica monetaria del Banrep."},{"id":9957,"entity":"Klar","product":"Klar Inversion Flexible","slug":"klar-inversion-flexible","category":"bancos","subcategory":"neobanco","product_type":null,"apy":8.5,"score":8.63,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"fgd","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.klar.mx\/inversion","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"manual","notes":"Cuenta de inversion Klar. 8.5% para cuenta estandar (inversion flexible 7-365 dias). Hasta 15% para usuarios Plus\/Platino con condiciones de uso. Protegida por IPAB. Sin monto minimo."}],"crypto":[{"id":9944,"entity":"Nexo","product":"Nexo DAI Savings","slug":"nexo-dai-savings","category":"crypto","subcategory":"cefi","product_type":null,"apy":8,"score":5.54,"currency":"USD","currency_type":"stablecoin","risk_level":"alto","liquidity":"instant","guarantee":"private","min_deposit":"500.00","min_deposit_currency":"USD","min_deposit_formatted":null,"url":"https:\/\/nexo.com\/earn","last_updated":"2026-03-15T23:00:00.000000Z","data_source":"manual","notes":"Nexo base tier (sin NEXO tokens). Flexible. DAI = 8% base (confirmado, es el mayor del tier). Rate verificada marzo 2026."},{"id":9906,"entity":"Euler","product":"Euler v2 PYUSD Lending (Ethereum)","slug":"euler-v2-pyusd-lending-ethereum-9906","category":"crypto","subcategory":"lending","product_type":null,"apy":6.28,"score":4.04,"currency":"USD","currency_type":"stablecoin","risk_level":"alto","liquidity":"instant","guarantee":"none","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/defillama.com\/yields\/pool\/fa55aa2b-e244-4ce4-ab00-9e96b39df32b","last_updated":"2026-04-04T22:00:00.000000Z","data_source":"defillama","notes":"Euler v2 (reescrito post-hack, auditado, 15+ meses activo). PYUSD lending. TVL ~$109M. No IL. Auditado por Halborn, OZ."},{"id":9905,"entity":"Morpho","product":"Superstate PYUSD Main (Ethereum)","slug":"morpho-superstate-pyusd-main-ethereum-9905","category":"crypto","subcategory":"vault","product_type":null,"apy":5.55,"score":3.84,"currency":"USD","currency_type":"stablecoin","risk_level":"alto","liquidity":"instant","guarantee":"none","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/defillama.com\/yields\/pool\/699f25fe-09f4-4f82-8f58-baa5b0af8fa4","last_updated":"2026-04-04T22:00:00.000000Z","data_source":"defillama","notes":"Morpho v1 curated vault on Ethereum. Superstate risk manager. PayPal USD (PYUSD). Auditado. TVL ~$297M. No IL."},{"id":9941,"entity":"Nexo","product":"EURC Savings","slug":"nexo-eur-savings","category":"crypto","subcategory":"cefi","product_type":null,"apy":5.5,"score":4.82,"currency":"EUR","currency_type":"fiat","risk_level":"alto","liquidity":"instant","guarantee":"private","min_deposit":"500.00","min_deposit_currency":"USD","min_deposit_formatted":null,"url":"https:\/\/nexo.com\/earn","last_updated":"2026-03-15T23:00:00.000000Z","data_source":"manual","notes":"Nexo base tier (sin NEXO tokens). Flexible. EURC (Circle Euro Coin). Base ~5.50%; hasta 6.5% con Platinum. Rate verificada marzo 2026."},{"id":9942,"entity":"Nexo","product":"Nexo USDC Savings","slug":"nexo-usdc-savings","category":"crypto","subcategory":"cefi","product_type":null,"apy":5.5,"score":4.82,"currency":"USD","currency_type":"stablecoin","risk_level":"alto","liquidity":"instant","guarantee":"private","min_deposit":"500.00","min_deposit_currency":"USD","min_deposit_formatted":null,"url":"https:\/\/nexo.com\/earn","last_updated":"2026-03-15T23:00:00.000000Z","data_source":"manual","notes":"Nexo base tier (sin NEXO tokens). Flexible. 5.50% base; hasta 8% con NEXO Platinum + lock. Rate verificada marzo 2026."}],"plataformas":[{"id":159,"entity":"Mintos","product":"Mintos \u2014 Core Portfolio (EUR)","slug":"mintos-core-portfolio-eur","category":"plataformas","subcategory":"crowdlending","product_type":null,"apy":10.5,"score":4.65,"currency":"EUR","currency_type":"fiat","risk_level":"alto","liquidity":"market_hours","guarantee":"none","min_deposit":"50.00","min_deposit_currency":"EUR","min_deposit_formatted":"\u20ac50","url":"https:\/\/invest.mintos.com\/QYjZOo","last_updated":"2026-03-20T23:00:00.000000Z","data_source":"manual","notes":"Mayor marketplace de crowdlending europeo (Letonia, regulado por FCMC como empresa de inversi\u00f3n). APY medio orientativo \u2014 var\u00eda seg\u00fan cartera y pr\u00e9stamos seleccionados. Sin garant\u00eda de capital. Mercado secundario disponible. Riesgo: impago de originadores."},{"id":9956,"entity":"GBM","product":"GBM Smart Cash MXN","slug":"gbm-smart-cash-mxn","category":"plataformas","subcategory":"broker","product_type":null,"apy":8.25,"score":7.06,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"private","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/gbm.com\/smart-cash\/","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"manual","notes":"Fondo de liquidez diaria de GBM (broker regulado por CNBV). Rentabilidad vinculada a la tasa de referencia de Banxico. Disponibilidad en dias habiles. Sin monto minimo. No tiene garantia IPAB al ser fondo de inversion."},{"id":158,"entity":"Bondora","product":"Bondora \u2014 Go & Grow","slug":"bondora-go-and-grow","category":"plataformas","subcategory":"crowdlending","product_type":null,"apy":6,"score":3.16,"currency":"EUR","currency_type":"fiat","risk_level":"alto","liquidity":"flexible","guarantee":"none","min_deposit":"1.00","min_deposit_currency":"EUR","min_deposit_formatted":"\u20ac1","url":"https:\/\/www.bondora.com\/en\/go-and-grow","last_updated":"2026-03-16T23:00:00.000000Z","data_source":"manual","notes":"Plataforma de crowdlending estonia (desde 2009). Go & Grow ofrece 6.00% anual con liquidez bajo demanda (puede limitarse en condiciones de mercado). Sin garant\u00eda de capital. Regulada por Finantsinspektsioon (FSA Estonia). Riesgo: impagos de pr\u00e9stamos subyacentes."},{"id":156,"entity":"Freedom24","product":"Freedom24 \u2014 Smart Cash USD","slug":"freedom24-smart-cash-usd","category":"plataformas","subcategory":"broker","product_type":null,"apy":4.84,"score":5.43,"currency":"USD","currency_type":"fiat","risk_level":"medio","liquidity":"t_plus_1","guarantee":"private","min_deposit":"1000.00","min_deposit_currency":"USD","min_deposit_formatted":"$1,000","url":"https:\/\/freedom24.com\/","last_updated":"2026-03-16T23:00:00.000000Z","data_source":"manual","notes":"Gesti\u00f3n de efectivo en USD en el broker Freedom24. Regulado por CySEC. Cubierto por Fondo de Compensaci\u00f3n de Inversores hasta \u20ac20,000. NO es garant\u00eda de dep\u00f3sito bancaria. Implica riesgo de tipo de cambio para inversores en EUR."},{"id":171,"entity":"XTB","product":"Cuenta de Ahorro XTB","slug":"xtb-cuenta-ahorro","category":"plataformas","subcategory":"broker","product_type":null,"apy":3.5,"score":4.45,"currency":"EUR","currency_type":null,"risk_level":"medio","liquidity":"flexible","guarantee":"private","min_deposit":"0.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.xtb.com\/es","last_updated":"2026-03-13T23:00:00.000000Z","data_source":"manual","notes":"[PROMO] 3,5% TAE los primeros 3 meses para nuevos clientes. Tasa variable posterior. XTB no es banco \u2014 cobertura sistema compensaci\u00f3n polaco hasta 22.222\u20ac (no FGD espa\u00f1ol). Verificar tasa est\u00e1ndar al vencer promo."}],"tradfi":[{"id":9953,"entity":"CETES","product":"CETES 364 dias","slug":"cetes-364-dias-mexico","category":"tradfi","subcategory":"deuda_publica","product_type":null,"apy":7.3,"score":8.04,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"government","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.cetesdirecto.com","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"banxico","notes":"Certificados de la Tesoreria de la Federacion (CETES) a 364 dias. Subasta primaria semanal por Banxico. Invertir desde 100 MXN via cetesdirecto.com. Retencion ISR: 0.90% anual sobre capital. [banxico_id:SF43885]"},{"id":9952,"entity":"CETES","product":"CETES 182 dias","slug":"cetes-182-dias-mexico","category":"tradfi","subcategory":"deuda_publica","product_type":null,"apy":7.14,"score":7.99,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"government","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.cetesdirecto.com","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"banxico","notes":"Certificados de la Tesoreria de la Federacion (CETES) a 182 dias. Subasta primaria semanal por Banxico. Invertir desde 100 MXN via cetesdirecto.com. Retencion ISR: 0.90% anual sobre capital. [banxico_id:SF43884]"},{"id":9951,"entity":"CETES","product":"CETES 91 dias","slug":"cetes-91-dias-mexico","category":"tradfi","subcategory":"deuda_publica","product_type":null,"apy":7.1,"score":7.98,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"government","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.cetesdirecto.com","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"banxico","notes":"Certificados de la Tesoreria de la Federacion (CETES) a 91 dias. Subasta primaria semanal por Banxico. Invertir desde 100 MXN via cetesdirecto.com. Retencion ISR: 0.90% anual sobre capital. [banxico_id:SF43883]"},{"id":9950,"entity":"CETES","product":"CETES 28 dias","slug":"cetes-28-dias-mexico","category":"tradfi","subcategory":"deuda_publica","product_type":null,"apy":6.95,"score":7.94,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"government","min_deposit":null,"min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.cetesdirecto.com","last_updated":"2026-03-23T23:00:00.000000Z","data_source":"banxico","notes":"Certificados de la Tesoreria de la Federacion (CETES) a 28 dias. Subasta primaria semanal por Banxico. Invertir desde 100 MXN via cetesdirecto.com. Retencion ISR: 0.90% anual sobre capital. [banxico_id:SF43878]"},{"id":136,"entity":"UK Debt Management Office","product":"UK Gilt 10 a\u00f1os","slug":"uk-gilt-10y","category":"tradfi","subcategory":"deuda_publica","product_type":"government_bond","apy":4.58,"score":7.46,"currency":"GBP","currency_type":"fiat","risk_level":"bajo","liquidity":"market_hours","guarantee":"government","min_deposit":"100.00","min_deposit_currency":"GBP","min_deposit_formatted":"Desde 100 GBP","url":"https:\/\/www.dmo.gov.uk\/responsibilities\/gilt-market\/","last_updated":"2026-04-04T22:00:00.000000Z","data_source":"tradfi_es","notes":"Bono soberano del Reino Unido a 10 a\u00f1os (UK Gilt). Emitido por el UK Debt Management Office. Tipo actualizado autom\u00e1ticamente desde OECD (GBR\/IRLT). Denominado en GBP \u2014 considerar riesgo de tipo de cambio para inversores en EUR. Acceso via brokers con acceso a mercado de gilts."}]},"meta":{"limit":5,"generated_at":"2026-04-05T21:00:39+02:00"}}