In 2025, investors are looking for safe and profitable ways to make money online while keeping their capital liquid. One of the most attractive opportunities in the fixed income market right now is the Scaled CDB paying 112% of CDI with daily liquidity.
This investment combines the security of fixed income with the flexibility of daily redemptions, making it ideal for both conservative and opportunistic investors. Let’s dive into the details and understand why this is such a powerful strategy.
What is a Scaled CDB?
A CDB (Certificate of Bank Deposit) is a fixed income product issued by banks to raise funds. When it is scaled (or progressive), the investor’s return grows according to the time invested.
The longer you keep your money invested, the higher the rate you earn. In this case, we are talking about 112% of CDI, which already places this product above most traditional CDBs and even many funds.
Why 112% of CDI is a Big Deal
The CDI (Interbank Deposit Certificate) is the main benchmark for fixed income in Brazil. Investments that pay a percentage of the CDI are considered safe and predictable.
Currently, with the Selic rate at high levels, 112% of CDI means returns that can easily beat savings accounts, government bonds with low duration, and many digital bank products.
For example:
- A CDB paying 100% of CDI might yield 13% per year.
- A CDB paying 112% of CDI could yield around 14.5% per year, depending on Selic levels.
That’s a significant boost without taking on extra risk.
Daily Liquidity: Why It Matters
Many CDBs lock your money for months or even years. But with daily liquidity, you can redeem your funds at any time without penalty.
This gives you the perfect combination:
- High return (above CDI average)
- Security (backed by FGC up to R$250,000 per CPF per institution)
- Flexibility (access to your money whenever you need)
For investors who want both yield and freedom, this is a rare opportunity.
Who Should Invest in This Scaled CDB?
This product is perfect for:
- Conservative investors who want security and liquidity.
- Emergency fund builders, since the daily liquidity allows instant access.
- Investors seeking diversification, complementing Tesouro Direto, LCIs, and LCAs.
- Anyone tired of savings accounts, which pay much less than CDI-linked products.
How to Make Money Online with CDB Investments
Digital banks and fintech platforms now allow you to invest in CDBs directly from your online account or mobile app. This is one of the easiest ways to make money online, since you don’t need a broker, a complex setup, or market expertise.
With just a few clicks, you can:
- Open a digital account.
- Choose the 112% CDI Scaled CDB with daily liquidity.
- Start earning above-average fixed income daily.
This is passive income working for you automatically.
Final Thoughts
The 112% CDI Scaled CDB with daily liquidity is a rare opportunity in 2025. It combines safety, profitability, and flexibility in one single product. For investors seeking a balance between return and peace of mind, this is one of the smartest options available in the fixed income market today.
Don’t let this opportunity pass — because with daily liquidity, you can invest with confidence, knowing your money is always within reach.
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