What’s new for Group A investors?

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.

Target annual return up to 12.4%

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).

Earnings based on outstanding principal

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.

Rewards for regular investing (the 1%/month rule)

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.

Repayment schedule (principal)

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.

Benefits of the new terms

• 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.

In conclusion

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.

FAQ

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.