Your cash deserves more than a savings rate.
AGYAL gives everyday investors direct access to government and corporate fixed income across multiple markets and currencies — the same instruments banks use to fund the rates they pay you, without the spread they keep for themselves.
Illustrative only. AGYAL is in development — see our data room for the full plan.
Eight currencies, one comparison.
Bank term deposit vs. an indicative AGYAL yield, by currency.
Bank term deposit (GBP)
4.0%
Via AGYAL
4.8%
Rates shown are illustrative examples, not current or guaranteed yields.
How it works
The same fixed income markets banks invest in, opened up to you.
- Step 1
Choose your market and term
Select a currency, region, and holding period — from short-dated treasury bills to longer investment-grade corporate notes.
- Step 2
Buy fixed income directly
AGYAL routes your order to the underlying market at a transparent price, instead of repackaging it into a lower deposit rate.
- Step 3
Hold to maturity or exit early
Track accrued yield in real time, and sell into the secondary market if your plans change before maturity.
Markets at launch
The full breakdown, market by market.
Average 3-month bank placement rate vs. an indicative AGYAL fixed income yield, by currency. We are opening access market by market — register your interest to be notified as each one goes live.
GBP
United Kingdom
Bank, 3-month avg
4.0%
Via AGYAL
4.8%
UK gilts & T-bills
USD
United States
Bank, 3-month avg
2.0%
Via AGYAL
4.9%
US Treasury bills
EUR
Eurozone
Bank, 3-month avg
1.8%
Via AGYAL
3.2%
Sovereign & covered notes
AED
United Arab Emirates
Bank, 3-month avg
1.5%
Via AGYAL
4.6%
Sovereign sukuk & CDs
SAR
Saudi Arabia
Bank, 3-month avg
1.8%
Via AGYAL
5.2%
Sukuk & bank CDs
KWD
Kuwait
Bank, 3-month avg
1.2%
Via AGYAL
4.0%
Government bonds
QAR
Qatar
Bank, 3-month avg
1.3%
Via AGYAL
4.3%
Sovereign sukuk
EGP
Egypt
Bank, 3-month avg
13.0%
Via AGYAL
24.0%
Treasury bills
Illustrative examples only, not current or guaranteed yields. Bank rates are indicative averages for retail 3-month term deposits; AGYAL rates are indicative for comparable government and investment-grade instruments in each currency.
Get early access
Register your interest
Tell us where you're investing from and what you'd like to hold, and we'll notify you the moment your market opens.
For investors & partners
Back the platform, not just the product.
We're raising to launch AGYAL's first markets and are speaking with investors and distribution partners who want early exposure to a fixed income platform built for yield-starved depositors. Our data room has the full business plan, market sizing, and financial projections.
- Executive summary and market opportunity
- Business model, unit economics, and go-to-market
- Financial projections and the current ask
Password-protected. Request access below and we'll follow up with credentials.