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What is the Contractual Return Promise (CRP) and how is it different from paying interest?

  • 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.