Perfecmoney closed last year. What s the alternative to get 4% per year on deposits in €?

Everything is in the title. Perfectmoney was an online payment system that between 2007 and 2025 proposed 4% apy on deposits both in usd and in € (even during the negative interest rate period).

It s always easy to get higher rates in usd but where to find 4% on liquid investments in €?