airKUNA Start from €1
HREN
Your money · your call

Your money is asleep. zzz…

It sits in your current account doing absolutely nothing. It could be working for you — the way other people's money already works for the banks.

scroll — we will show you exactly how
Scene 1 · your account

Say you have
€10,000 in your account.

The average resident of Croatia holds about €10,700 in a bank. Here is what that money earns you while it sits there:

zzz
Current account
€10,000
Your return after one year
0 EUR

A few euros. Interest on household current-account deposits is effectively 0%. Your money is idle.

Scene 2 · what you do not see

But the bank does not let it sleep.

The bank does not keep your deposit in a vault. It deploys it — parking part of it at the central bank (ECB) and collecting interest on it. The return goes to the bank, not to you.

The return goes back to the bank — not to you.
4.0%what the ECB paid the bank
on parked excess liquidity (2023–2024)
and to you…
~0.2%what the bank paid you
on your current account

You get ~0%. The bank gets the return. In 2024 alone the Croatian National Bank paid banks over €530 million in interest on parked liquidity — without a single loan being approved. Legal and normal. But it is your money doing the work.

Scene 3 · the scale

This is not pocket change.
It is an entire economy.

Multiply your €10,000 by everyone in Croatia and you get numbers that stop you in your tracks:

0 bn EUR
of household savings sitting in current and giro accounts — at nearly 0% interest
0 bn EUR
record bank profits in Croatia (2024) — the highest ever
0%
return on bank equity (ROE) — while your account earns zero

That bank profit ≈ 75% of the entire state deficit for 2024. The banks alone earned the equivalent of three quarters of the state's annual shortfall — largely for foreign owners (~90% of the sector).

Sources: Croatian National Bank (deposits, profit, ROE, 2024–2026), ECB (interest rates), Croatian Bureau of Statistics (deficit/GDP 2024). Figures are rounded and independently checked; full references are in the accompanying material. The numbers are updated over time.

Scene 4 · the flip

What if your euro did
what the bank's euro does?

The same logic, except the return goes to you. Instead of the bank deploying your liquidity, you deploy it — through an open protocol on a blockchain.

Bank

Your money in an account

  • Your return: ~0%
  • The bank earns the return
  • You cannot see where it goes or what it earns
  • You are the source, not the beneficiary
Protocol

Your money in a protocol

  • The return goes to you
  • It is deployed into vetted DeFi vaults
  • Everything is public and measurable on-chain
  • You start from €1 — you do not need to be rich
Scene 5 · how it works

Three steps. The engine is called Hobba.

Hobba is an audited protocol on Solana that deploys your asset into yield vaults (Perena, Kamino, Jupiter Lend) and harvests yield every day. You do nothing — the engine does the work.

1

You invest

From €1 upwards. Your asset stays yours — in your custody, as collateral.

2

The engine deploys it

Hobba routes the liquidity into vetted vaults and harvests yield every day — automatically.

3

The yield comes to you

The earnings go to you and can repay themselves — a so-called self-repaying position. No manual work.

Audited (Ackee, 2026) Active every day on Solana Yield proven on-chain Start from €1
Do not take our word for it

It is all public.
Check for yourself, then start.

We went first — a €1 position with our own money, visible on-chain in real time. Nothing hidden. Start small, learn, then decide.

Start from €1 See exactly how it works Follow the live position

This is an educational explanation, not investment advice, an offer or a financial promotion. Crypto assets are volatile and can lose value; yields vary and are not guaranteed. Hobba is an independent third-party protocol outside airKUNA's control; verify its claims (audit, yield, availability) yourself. Access is currently in closed testing.