I doubt how you can give 12% return... there is no instrument in the market that can do so.. the only way u generate this much return is by investing/trading in the market (securities, forex, cryptocurrency). All the low risk instruments (e.g. debt) offer less than 5% return (~8% if you are in countries like India); since you are proposing to convert deposits into USD the return is even less than 3% for debt instruments...

But I wont doubt your intentions, just a word of caution to depositors that "investments are subject to market risk"