Meanwhile
Regulated in Bermuda

A guaranteed dollar deposit. With real Bitcoin upside.

Backed by US institutions with trillions under management, Meanwhile is the only company that offers you a deposit where 95% earns a guaranteed fixed dollar rate and 5% is held in Bitcoin. If Bitcoin soars, you capture it. If it goes to zero, your guaranteed dollars keep growing, untouched.

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Regulated in Bermuda and backed by

  • Apollo
  • Northwestern Mutual Future Ventures
  • Bain Capital Crypto
  • Haun Ventures
  • Pantera
  • Sam Altman
  • Framework
  • Fulgur Ventures
  • Lachy Groom
  • MS&AD Ventures
  • Mouro Capital
  • Stillmark
  • Wences Casares

  • Certainty first

    95% of your deposit grows at a guaranteed fixed rate that doesn't depend on any market.

  • Upside without losing sleep

    Only 5% goes to Bitcoin: a real chance at big upside, never at the cost of your security.

  • Backed by top US institutions

    And regulated in Bermuda, the world's insurance capital.

How it works

  1. Fund your account

    In dollars or stablecoins, from Argentina, without a US bank account.

  2. Your deposit splits 95 / 5

    95% starts earning your guaranteed fixed rate. 5% is converted to Bitcoin and held for you until maturity.

  3. Collect both at maturity

    At the end of your term (3 to 10 years) you receive your guaranteed dollars plus whatever your Bitcoin is worth. Track both from your dashboard anytime.

See certainty and upside, side by side

Choose an amount and a Bitcoin scenario. Your guaranteed dollars never change; only the upside does.

7 years
At maturity (7 years) you'd have $80,919 $58,419 guaranteed + $22,500 from Bitcoin
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Guaranteed + Bitcoin Guaranteed only
$81K$58K$0$25K$50K$75K02467 yrs

Illustrative only. The guaranteed sleeve compounds at a fixed annual rate set in your contract. Bitcoin scenarios use percentiles of Bitcoin's historical long-term returns, net of fees, scaled to your term; the path shown between today and maturity is smoothed, and real Bitcoin prices are far more volatile. Only the maturity value is meaningful. Bitcoin can lose all of its value.

Is my money safe?

  • Regulated where the world insures itself

    Meanwhile is regulated in Bermuda, the jurisdiction the world's largest insurers and reinsurers operate under. Clear rules, and real recourse.

  • Your dollars sit outside the local system

    Your deposit is held and regulated outside Argentina, with US and Bermuda-based institutions. Local rule changes don't reach it.

  • Backed by institutions that manage trillions

    Top US financial institutions with trillions of dollars under management stand behind Meanwhile.

  • A term, not a trap

    Terms run 3 to 10 years, but if life changes you can surrender your deposit at any time, and we'll respect it.

Questions, answered

What exactly happens to my money?

On day one your deposit splits in two. 95% goes into a guaranteed account that compounds at a fixed dollar rate for your full term, no matter what markets do. 5% is converted to Bitcoin and held for you until maturity. At the end you receive both: your guaranteed dollars plus whatever your Bitcoin is worth.

What if Bitcoin crashes?

Your guaranteed account is not touched. It never depends on Bitcoin. Even if Bitcoin went to zero, you would still collect your guaranteed dollars at maturity. The most you can ever have riding on Bitcoin is the 5% sleeve.

Why not just buy Bitcoin myself?

You can, with money you can afford to risk. This product is for the money you can't. It gives you a guaranteed floor on 95% of your deposit, plus a disciplined 5% position that's held for your full term: no exchanges, no wallets, no panic selling at the worst moment.

Do I need to lock my dollars?

Terms run 3 to 10 years. That's what makes the guaranteed rate and the long Bitcoin hold work. But you're never trapped: you can surrender your deposit at any time. Surrendering early may reduce what you receive.

Who is Meanwhile?

Meanwhile is a US- and Bermuda-based savings and life insurance company, backed by top US financial institutions including Apollo and Northwestern Mutual. It was founded by Zac Townsend, who co-led McKinsey's global fintech practice and previously built Standard Treasury, a banking-technology company acquired by Silicon Valley Bank.

Why have I never heard of Meanwhile?

Because we are just arriving in Argentina. Meanwhile operates in the US and Bermuda, publishes audited financials every year, and is backed by investors like Apollo, Northwestern Mutual, Bain Capital and Sam Altman. Check us out before you deposit a dollar. It is exactly what we would do.

Is it safe?

Your deposit is a contract with a company regulated in Bermuda, the world's insurance capital, and held with US and Bermuda-based institutions, outside the Argentine system. The guaranteed rate is fixed by contract for the full term. The Bitcoin sleeve is the only part that moves with markets, and it's capped at 5% of your deposit.

What happens to my dollars if Meanwhile fails?

Your deposit is a policy issued by a regulated insurance company. The Bermuda Monetary Authority requires Meanwhile to hold reserves backing what it owes you and supervises it continuously. And if an insurer is ever wound down, policyholders rank ahead of other creditors.

Are you based in Argentina?

No, and that's the point. Meanwhile is based and regulated in the US and Bermuda, backed by top US financial institutions.

The certainty you need today. The upside you want for tomorrow.

Join the waitlist and be first in line when accounts open. We'll walk you through it in Spanish, over WhatsApp if you prefer.

  • Regulated in Bermuda · Backed by Apollo and Northwestern Mutual