How Zeroa Earn Vaults work

Flexible access or a fixed term. Not a bank deposit.

An Earn Vault holds a stablecoin and pays a return for as long as you hold it. Zeroa has two, and both hold US dollar stablecoins — USDT and USDC.

Choosing between them is not really about the asset. It is about time. A flexible vault lets you withdraw whenever you like. A fixed-term vault commits the holding for a set period and pays more for the inconvenience. Longer term, higher rate, less access. That is the whole decision.

You will see the rate at sign-up, inside the wallet, against the specific vault and term you are choosing. It is deliberately not published in marketing material, because a number quoted out here sets an expectation the product never agreed to.

Now the less enjoyable paragraph, which matters more than the rest of them. An Earn Vault is not a bank deposit. There is no deposit insurance behind it, and it is not a savings account. Full terms and conditions are in your wallet.

There are also two moving parts here rather than one. A stablecoin is built to track the US dollar, so what you are holding is exposed to the dollar rather than to your local currency, and that street runs both ways. On top of that sit the ordinary risks of the platform and of the asset itself.

Invest responsibly, and consult a financial advisor before investing.

Chembridge Capital (Pty) Ltd t/a Zeroa, registration number 2014/064942/07, is an authorised Financial Services Provider, FSP No 36012. Investing in crypto assets may result in a loss of capital.