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Eesti keelEnglishΕλληνικάEspañolPortuguêsDutchDeutschEesti keelWe are excited to introduce new terms for the Group A investors! Based on the feedback from our investors, we are seeing that different customers use Scramble for different purposes. Some investors are aiming to maximize their earnings, while others seek flexibility to take capital out as soon as possible. A similar difference happens on the side of brands who borrow funds: some want to minimize their regular monthly payments and repay as much of the loan as possible in the very end, while others want to minimize the effective cost of funds and are happy to make larger repayments each month. We’re introducing changes to the terms for Group A investors to be able to better serve each group of our customers.
Group A investors will now see faster principal back and a larger share repaid during months 1–5. Regular users may also qualify for higher monthly income. Here’s what changed.
With Group A (Senior Claims), investors can target an effective annual return of up to 12.4%, available to customers who meet the monthly 1% rule (details below).
Income for Group A is calculated per month on the outstanding principal under the underlying Financing agreements:
0.75%/month base rate.
1%/month if you qualify for the “regular investing” rule.
Example: if you hold €1,000 in Group A Claims in April, you accrue €7.50 at 0.75% or €10.00 at 1% for April. Income accrues monthly and is paid at the end of the 6-month term together with the final principal portion.
To receive 1% (instead of 0.75%) for a given month, do either of the following in that same month:
Deposit and invest at least €100, or
Maintain an active investment balance of €10,000 or more.
The rule now applies monthly (not retroactively to the whole period). If you miss the threshold in one month, you still get 1% for qualifying months and 0.75% for the month you missed.
The €10,000 balance rule counts your total active balance across Groups A and B, but the increased income applies only to Group A.
Principal repayments under the Financing agreements lead to distributions to you:
Expect roughly 30–50% of capital back during months 1–5 (batch-dependent).
The remaining principal is repaid in month 6, when accrued income is also paid.
Previously, up to ~80% could arrive only in month 6; now capital comes back faster, improving liquidity.
Higher effective annual rate. Earn up to 12.4% while keeping the protections and convenience of Group A Claims.
Faster return of capital. More principal arrives earlier (months 1–5), so you can reinvest or withdraw sooner.
Lower exposure over time. Faster principal return reduces both business risk and the “alternative-use” risk of keeping capital locked when other opportunities appear.
These enhancements give Group A investors more flexibility, transparency, and potential return—whether you’re starting with €10 or managing €30,000. Review the terms and see how the monthly 1% rule and faster principal schedule can fit your plan.
How do I get the 1% monthly rate for Group A?
For each month, you want 1%, either invest at least €100 from your Scramble account that month or keep an active balance ≥ €10,000. Otherwise, that month accrues at 0.75%.
How is Group A return paid out?
Income accrues monthly on outstanding principal (0.75% or 1% depending on the month’s eligibility) and is paid at the end of the 6-month term, together with the final principal portion. Principal itself is distributed monthly, with about 30–50% repaid during months 1–5 and the remainder in month 6.
How do I reach the 12.4% effective annual return?
Qualify for 1% in most months (using the monthly rule above) and reinvest consistently to compound across rounds.
