Zeroa Earn
Earn on your digital assets
Put your digital assets to work in flexible vaults
Zeroa Earn gives you access to selected digital asset vaults designed to help your money grow while staying flexible. Choose your vault, track your returns daily, and withdraw after the minimum 24-hour period. Login
Up to 18% projected annual yield
Zeroa Earn vaults provide projected returns of up to 18% per annum, calculated through the settlement liquidity program. Your returns accrue daily and are compounded, giving you clear visibility of today's return, 7-day performance, 30-day performance, and total growth.
Powered by real financial infrastructure
Zeroa Earn is part of Zeroa’s wider regulated digital financial platform, built on infrastructure designed for payments, exchange, settlement, and cross-border movement. Earn is not a standalone feature — it connects into the same Zeroa account used to send, receive, exchange, and manage money.
12%
Flexible
per annum
-
Deposit and withdraw at any time
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No lock-in period
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Profit share accrues daily
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Maximum liquidity, daily accrual
16%
365-Day
per annum
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Defined 1-year commitment
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Withdraw with 30 days' notice
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Profit share accrues daily
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Balanced access and yield
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Early withdrawal: 40% penalty on accrued profit share
18%
730-Day
p.a.
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Maximum yield for long-term capital
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Withdraw with 30 days' notice
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Profit share accrues and compounds daily
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Rate structured to deliver 39.24% total return
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Early withdrawal: 40% penalty on accrued profit share
HOW IT WORKS
01
Fund your vault with USDT or USDC
Choose your vault and transfer your stablecoin. Your selected rate is locked in at deposit.
05
Bring it in
Deposit any currency or digital asset - Naira, Kwacha, Rand, ZWL, BTC, ETH.
02
Profit share accrues daily
Returns begin accumulating from the day your deposit is confirmed. Fixed vaults compound daily.
06
Convert to USDT
One move into stable, dollar-denominated USDT. Devaluation stops here.
03
Term completes
On completion of your selected term, your capital and accrued profit share are returned.
07
Park it in Earn
Pick a vault: Flexible 12%, 365-Day 16%, or 730-Day 18%.
04
Rates are fixed
Your rate is locked at deposit. New deposits may carry updated rates based on market conditions.
08
Start earning
Yield accrues daily from day one. Track today's return, withdraw after the term.
Calculator
Built for how money actually moves.
Earn isn't a standalone product. It plugs into the rest of Zeroa ”in-wallet conversion, on-ramps, cross-border settlement” so funds can enter from anywhere and start earning the moment they land.
Money stuck somewhere in the world? Bring it home to your wallet.
Capital trapped in another country, another currency, or locked in an account you can’t easily move it from? Zeroa unlocks it. Whether it’s local fiat, USDT, USDC, BTC, ETH, or any supported asset from virtually any jurisdiction, funds are instantly converted the moment they arrive in your Zeroa wallet and routed directly into your chosen Earn vault. Your capital starts working immediately — while remaining accessible the day you need it.
Move out of a currency you'd rather not hold.
Currency switch
If your local fiat is weakening or you simply want exposure to a dollar-denominated asset, convert any supported currency into USDT or USDC through Zeroa and deposit straight into an Earn vault. Your money holds its value and accrues yield daily.
Local fiat
USDT / USDC
Earn vault
Free up funds stuck across African markets.
Cross-border unlock
Capital sitting in Angola, Malawi, Zimbabwe or other restricted markets can be on-ramped through Zeroa, converted into stablecoin, and moved into Earn. What used to be trapped local balance becomes accessible, dollar-denominated capital generating returns.
On-ramp
Stablecoin
Earn vault
Custom terms for businesses and corporate allocations.
Negotiated rates at scale
For larger deposits typical of businesses, corporates and treasury allocations, Zeroa can structure a fixed rate tailored to the size and term of the deposit. Speak to us directly and we'll quote terms that sit outside the published vault rates.
Direct enquiry
Fixed rate quoted
Deposit
Estimated Returns
Illustrative figures - $10,000 deposit
VAULT
Flexible
365-Day
730-Day
Figures are illustrative only. Assumes no early withdrawal and full term completion. All returns denominated in USDT / USDC.
WITHDRAWAL & EARLY EXIT
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The Flexible Vault has no lock-in - withdraw after 24hrs with no penalty.
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Fixed-term Vaults (365-Day and 730-Day) requires 30 days' written notice before funds are release.
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In the event of an early withdrawal from a 365-day or 730-day term product, accrued interest will be calculated on a pro-rata basis up to the withdrawal date and will be subject to a 40% early withdrawal penalty.
RATE
12% p.a.
16% p.a.
18% p.a.
TERM
1 year
1 year
2 years
RETURN
$1,200
$1,600
$3,924
TOTAL VALUE
$11,200
$11,600
$13,924
Trust, security, and compliance
Zeroa is the trading name of ChemBridge Capital (Pty) Ltd, an authorised Financial Services Provider (FSP No. 36012) with CASP authorisation from the FSCA. Digital asset security is supported by institutional-grade custody infrastructure, with compliance processes including KYC, AML checks, and transaction monitoring.
Early withdrawal: 40% penalty on accrued profit share.
Important: Zeroa Earn is a digital asset product, not a bank account or deposit. Your capital is at risk, returns are not guaranteed, and no deposit insurance applies. Profit share is generated through Zeroa's settlement liquidity programme. Projected/past performance is not a reliable indicator of future returns. Investing in crypto assets may result in a loss of capital.
WORKING WITH A ZEROA AGENT
YOU DON'T HAVE TO DO THIS ALONE
If your money's stuck somewhere, a Zeroa agent can help you bring it home.
Releasing capital from another country, a weakening currency or an account that's hard to move from isn't always obvious. Zeroa agents are trained to walk you through your specific situation from understanding what's possible in your jurisdiction, to setting up your wallet, to converting and routing funds into the Earn vault that fits your goals.
GET CONNECTED WITH AN AGENT
01
02
03
04
They listen first. Where your money is sitting, what's blocking it, what you're trying to achieve.
They map the route. Which on-ramps apply, which conversion path makes sense, which Earn vault fits.
They handle the moves. Walking you through wallet setup, KYC, conversion and the deposit into Earn.
They stay alongside. Available as your situation changes additional deposits, withdrawals, new vaults.
Don’t Navigate Global Capital Movement Alone
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Free Up Trapped Capital: Seamlessly on-ramp and move funds out of restricted markets like Angola, Malawi, and Zimbabwe through licensed, localized cross-border pathways.
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Hedge Against Devaluation: Instantly switch out of weakening local fiat currencies into secure, stable USD-denominated assets (USDT/USDC).
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Capture Global Yields: Route your unlocked funds directly into digital asset vaults generating 12% to 18% p.a. with interest compounding daily.
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Bespoke Corporate Terms: Access customized fixed rates and tailored time-lock structures designed specifically for large-scale business treasury allocations.