Under the CRP model, FinClear agrees (via Terms & Conditions) to pay clients a stated or formula‑based Cash Hub Return on eligible balances. That payment is funded from FinClear’s own resources (which may be supported economically by earnings FinClear receives on pooled client money accounts, treasury operations, or other sources) but is not a pass‑through of actual bank interest. Importantly, the CRP is *not guaranteed*; FinClear may vary the rate prospectively (subject to notice) and is not obliged to top up shortfalls beyond the contractual formula. This structure avoids giving clients a direct entitlement to investment earnings that could re‑characterise the facility as a deposit or MIS.