{"data":{"bancos":[{"id":164,"entity":"ING Australia","product":"ING \u2014 Savings Maximiser (AU)","slug":"ing-australia-savings-maximiser-aud","category":"bancos","subcategory":"neobanco","product_type":null,"apy":5.5,"score":7.71,"currency":"AUD","currency_type":"fiat","risk_level":"bajo","liquidity":"instant","guarantee":"fgd","min_deposit":"0.01","min_deposit_currency":"AUD","min_deposit_formatted":"AU$0","url":"https:\/\/www.ing.com.au\/savings.html","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Cuenta de ahorro de ING Australia con APY m\u00e1ximo condicionado a: depositar $1,000+\/mes y realizar 5+ compras con tarjeta de d\u00e9bito. Protegida por APRA (garant\u00eda gubernamental australiana hasta AU$250,000). Solo disponible para residentes en Australia."},{"id":165,"entity":"ANZ","product":"ANZ Plus \u2014 Save (AU)","slug":"anz-plus-save-aud","category":"bancos","subcategory":"neobanco","product_type":null,"apy":5.1,"score":7.66,"currency":"AUD","currency_type":"fiat","risk_level":"bajo","liquidity":"instant","guarantee":"fgd","min_deposit":"0.01","min_deposit_currency":"AUD","min_deposit_formatted":"AU$0","url":"https:\/\/www.anz.com.au\/personal\/bank-accounts\/savings-accounts\/","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Cuenta de ahorro digital del banco ANZ (Australia and New Zealand Banking Group). Protegida por APRA hasta AU$250,000. Disponible a trav\u00e9s de la app ANZ Plus. Solo para residentes en Australia."},{"id":135,"entity":"Ibercaja","product":"Cuenta Vamos","slug":"ibercaja-cuenta-vamos","category":"bancos","subcategory":"neobanco","product_type":"savings","apy":5.09,"score":7.66,"currency":"EUR","currency_type":"fiat","risk_level":"bajo","liquidity":"instant","guarantee":"fgd","min_deposit":"0.00","min_deposit_currency":"EUR","min_deposit_formatted":"Sin m\u00ednimo","url":"https:\/\/www.ibercaja.es\/particulares\/cuentas-tarjetas\/cuentas-ahorro\/","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"5,09% TAE el primer a\u00f1o sobre m\u00e1ximo 12.000\u20ac (hasta 610\u20ac brutos). Segundo a\u00f1o: 2,01% TAE. Requisitos: n\u00f3mina \u2265600\u20ac, tarjeta con 6 movimientos\/semestre, 6 recibos domiciliados\/semestre y banca digital activada. Oferta para nuevos clientes. Garantizado por el FGD espa\u00f1ol hasta 100.000\u20ac."},{"id":150,"entity":"Marcus by Goldman Sachs","product":"Marcus \u2014 Easy Access Savings (UK)","slug":"marcus-goldman-sachs-easy-access-gbp","category":"bancos","subcategory":"neobanco","product_type":null,"apy":3.75,"score":7.48,"currency":"GBP","currency_type":"fiat","risk_level":"bajo","liquidity":"instant","guarantee":"fgd","min_deposit":"1.00","min_deposit_currency":"GBP","min_deposit_formatted":"\u00a31","url":"https:\/\/www.marcus.co.uk\/","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Cuenta de ahorro online del banco de Goldman Sachs en UK. Protegida por FSCS hasta \u00a385,000. Sin comisiones, sin plazo m\u00ednimo. Disponible solo para residentes en UK."},{"id":154,"entity":"Monzo","product":"Monzo \u2014 Instant Access Savings Pot (UK)","slug":"monzo-instant-access-savings-gbp","category":"bancos","subcategory":"neobanco","product_type":null,"apy":3.65,"score":7.47,"currency":"GBP","currency_type":"fiat","risk_level":"bajo","liquidity":"instant","guarantee":"fgd","min_deposit":"1.00","min_deposit_currency":"GBP","min_deposit_formatted":"\u00a31","url":"https:\/\/monzo.com\/savings","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Cuenta de ahorro instant\u00e1neo dentro de la app Monzo. Banco regulado por FCA\/PRA, protegido por FSCS hasta \u00a385,000. Disponible solo para residentes en UK."}],"crypto":[{"id":11861,"entity":"Kraken","product":"Kraken FLOWH Staking","slug":"kraken-flowh-staking","category":"crypto","subcategory":null,"product_type":null,"apy":23.22,"score":5.45,"currency":"FLOWH","currency_type":null,"risk_level":"medio","liquidity":null,"guarantee":"none","min_deposit":"0.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.kraken.com\/features\/staking","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Staking custodial de FLOWH en Kraken. Token de recompensas de staking vinculado de Flow. Rendimiento variable. Sin garant\u00eda de capital."},{"id":11859,"entity":"Kraken","product":"Kraken DYM Staking","slug":"kraken-dym-staking","category":"crypto","subcategory":null,"product_type":null,"apy":11.74,"score":3.97,"currency":"DYM","currency_type":null,"risk_level":"medio","liquidity":null,"guarantee":"none","min_deposit":"0.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.kraken.com\/features\/staking","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Staking custodial de Dymension (DYM) en Kraken. Red modular de rollups blockchain. APY elevado, rendimiento variable. Sin garant\u00eda de capital."},{"id":11846,"entity":"Kraken","product":"Kraken ATOM Staking","slug":"kraken-atom-staking","category":"crypto","subcategory":"staking","product_type":"staking","apy":10.58,"score":2.82,"currency":"ATOM","currency_type":"crypto","risk_level":"alto","liquidity":null,"guarantee":"none","min_deposit":"0.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.kraken.com\/features\/staking","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Staking custodial de Cosmos (ATOM) en Kraken. Alto APY variable por elevada tasa de bonding de la red Cosmos. Sin garant\u00eda de capital."},{"id":11853,"entity":"Kraken","product":"Kraken MINA Staking","slug":"kraken-mina-staking","category":"crypto","subcategory":null,"product_type":null,"apy":10.5,"score":3.81,"currency":"MINA","currency_type":null,"risk_level":"medio","liquidity":null,"guarantee":"none","min_deposit":"0.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.kraken.com\/features\/staking","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Staking custodial de Mina Protocol (MINA) en Kraken. APY elevado por dise\u00f1o de la red (blockchain m\u00e1s ligera del mundo). Rendimiento variable. Sin garant\u00eda de capital."},{"id":11860,"entity":"Kraken","product":"Kraken SCRT Staking","slug":"kraken-scrt-staking","category":"crypto","subcategory":null,"product_type":null,"apy":9.67,"score":3.7,"currency":"SCRT","currency_type":null,"risk_level":"medio","liquidity":null,"guarantee":"none","min_deposit":"0.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.kraken.com\/features\/staking","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Staking custodial de Secret Network (SCRT) en Kraken. Blockchain de privacidad con smart contracts cifrados. Rendimiento variable. Sin garant\u00eda de capital."}],"plataformas":[{"id":159,"entity":"Mintos","product":"Mintos \u2014 Core Portfolio (EUR)","slug":"mintos-core-portfolio-eur","category":"plataformas","subcategory":"crowdlending","product_type":null,"apy":7.92,"score":2.67,"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:\/\/www.mintos.com\/en\/","last_updated":"2026-06-08T22:00:00.000000Z","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":11867,"entity":"Monefit","product":"SmartSaver","slug":"monefit-smartsaver","category":"plataformas","subcategory":"p2p","product_type":"savings","apy":7.5,"score":3.42,"currency":"EUR","currency_type":"fiat","risk_level":"medio","liquidity":"flexible","guarantee":"none","min_deposit":"0.00","min_deposit_currency":"EUR","min_deposit_formatted":"Sin m\u00ednimo","url":"https:\/\/monefit.com\/en\/smartsaver\/","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Cuenta de ahorro P2P regulada bajo licencia ECSP (Estonia). 7,5% APY esperado sobre el saldo. Liquidez flexible: hasta 1.000 \u20ac al mes de forma instant\u00e1nea; el resto con 30 d\u00edas de preaviso. Sin garant\u00eda DGS \u2014 no es un banco. Gestionada por Creditstar Group (15+ a\u00f1os en el mercado)."},{"id":171,"entity":"XTB","product":"Cuenta de Ahorro XTB","slug":"xtb-cuenta-ahorro","category":"plataformas","subcategory":"broker","product_type":null,"apy":3.5,"score":3.9,"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:\/\/es.xtb.com\/interes-en-cuenta-xtb","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Promo nuevos clientes: 4,00% TAE los primeros 90 d\u00edas. A partir del d\u00eda 91: ~1,65% TAE variable (ligado al BCE). Sin m\u00ednimo, sin comisiones. Regulado por CNMV y KNF."},{"id":76,"entity":"Raisin","product":"Dep\u00f3sito 4 a\u00f1os","slug":"raisin-deposito-4-a\u00f1os","category":"plataformas","subcategory":"agregador","product_type":"savings","apy":3,"score":5.39,"currency":"EUR","currency_type":"fiat","risk_level":"bajo","liquidity":"locked","guarantee":"fgd_eu","min_deposit":"1.00","min_deposit_currency":"EUR","min_deposit_formatted":"Desde 1\u20ac (seg\u00fan banco)","url":"https:\/\/www.raisin.com\/es-es\/depositos-a-plazo-fijo\/","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Mejor dep\u00f3sito a 4 a\u00f1os en Raisin (mayo 2026): Achmea Bank 2,81% TAE. M\u00ednimo 5.000\u20ac, m\u00e1ximo 100.000\u20ac. Sin cancelaci\u00f3n anticipada."},{"id":65,"entity":"Raisin","product":"Dep\u00f3sito 12 meses","slug":"raisin-deposito-12-meses","category":"plataformas","subcategory":"agregador","product_type":"savings","apy":3,"score":5.59,"currency":"EUR","currency_type":"fiat","risk_level":"bajo","liquidity":"fixed_12m","guarantee":"fgd_eu","min_deposit":"1.00","min_deposit_currency":"EUR","min_deposit_formatted":"Desde 1\u20ac (seg\u00fan banco)","url":"https:\/\/www.raisin.com\/es-es\/depositos-a-plazo-fijo\/","last_updated":"2026-06-08T22:00:00.000000Z","data_source":"manual","notes":"Mejor dep\u00f3sito a 12 meses en Raisin (mayo 2026): Mano Bank 2,94% TAE. Tambi\u00e9n: SME Bank 2,89%, BluOr Bank 2,81%."}],"tradfi":[{"id":9953,"entity":"CETES","product":"CETES 364 dias","slug":"cetes-364-dias-mexico","category":"tradfi","subcategory":"deuda_publica","product_type":null,"apy":8.25,"score":7.02,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"government","min_deposit":"100.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.cetesdirecto.com","last_updated":"2026-05-06T22:00:00.000000Z","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":8.1,"score":7,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"government","min_deposit":"100.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.cetesdirecto.com","last_updated":"2026-05-06T22:00:00.000000Z","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":8,"score":6.98,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"government","min_deposit":"100.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.cetesdirecto.com","last_updated":"2026-05-06T22:00:00.000000Z","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":7.75,"score":6.95,"currency":"MXN","currency_type":"fiat","risk_level":"bajo","liquidity":null,"guarantee":"government","min_deposit":"100.00","min_deposit_currency":null,"min_deposit_formatted":null,"url":"https:\/\/www.cetesdirecto.com","last_updated":"2026-05-06T22:00:00.000000Z","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":6.74,"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":"2026-06-08T22:00:00.000000Z","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":"2026-06-09T20:13:05+02:00"}}