Flexible savings
Deposit an asset and redeem it at any time. The rate is variable and follows borrowing demand for that asset, so it can change daily and may fall close to zero.
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Earn: savings and staking, explained
How crypto savings and staking generate rewards, what the trade-offs are, and the risks you take on. Earn products are not yet available.
Not available yet, and not risk-free. Rewards are variable and not guaranteed. The value of your assets can fall, and you may lose all of the capital you invest.
Three product types
Each works differently, so each carries a different mix of risks.
Fixed-term savings
Commit an asset for a set period — for example 30, 60 or 90 days — in exchange for a rate that is fixed at the start. You cannot redeem early without losing the accrued reward.
Staking
Help secure a proof-of-stake blockchain by delegating your tokens to validators. Rewards come from the network itself and depend on total amount staked, validator performance and protocol rules.
Typical rate ranges
Ranges commonly seen across the industry for these product types, to show the scale of rewards. They are not offers: each product publishes its own variable rate, which changes over time.
| Asset | Product | Typical APR | Lock-up / unbonding | Reward source |
|---|---|---|---|---|
| USDT | Flexible savings | 1.5% – 4.0% | None | Lending demand |
| USDC | Flexible savings | 1.5% – 3.8% | None | Lending demand |
| BTC | Flexible savings | 0.1% – 0.8% | None | Lending demand |
| USDT | Fixed term | 3.0% – 6.0% | 30 / 60 / 90 days | Lending demand |
| ETH | Staking | 2.5% – 4.0% | Unbonding queue varies | Network rewards |
| SOL | Staking | 5.0% – 7.5% | ~2–3 days | Network rewards |
| ADA | Staking | 2.0% – 3.5% | None (epoch-based) | Network rewards |
| DOT | Staking | 9.0% – 13.0% | ~28 days | Network rewards |
| ATOM | Staking | 10.0% – 16.0% | ~21 days | Network rewards |
| NEAR | Staking | 6.0% – 9.0% | ~2–3 days | Network rewards |
| SUI | Staking | 2.0% – 3.5% | ~1 day (epoch) | Network rewards |
How it works
From deposit to reward
- Choose a product
Check the asset, whether it's flexible or locked, the current variable rate and how redemption works.
- Subscribe from your spot balance
Assets move from your trading balance into the product. Staked assets are delegated to validators selected against published criteria.
- Rewards accrue
Rewards are credited in the same asset, on the product's schedule. The rate can change while you are subscribed.
- Redeem
Flexible products return to your balance quickly. Fixed-term products return at maturity; staked assets wait for the network's unbonding period.
Risk notes
What can go wrong
- Market riskRewards are paid in the same asset you deposit. If the asset's price falls, a positive reward rate can still leave you with a lower value in your own currency.
- Rate riskVariable rates move with demand and network conditions. A rate shown today is not a promise of the rate tomorrow.
- Lock-up and unbondingFixed-term products and many staking networks hold your assets for a period. During that time you cannot sell, even if the price moves sharply.
- SlashingProof-of-stake networks can penalise validators that misbehave or go offline by destroying part of the stake. Delegators can share in that loss.
- Counterparty riskSavings products depend on borrowers repaying. Borrower default or failure of a platform can lead to partial or total loss.
- Smart contract and protocol riskStaking relies on blockchain software. Bugs, upgrades or network halts can delay rewards or withdrawals.
Earn FAQ
Is Earn available now?
No. Earn products are not open, and Zenvorika does not accept deposits during pre-launch. This page explains how the products are designed so you can understand them before they exist.
What does APR mean here?
APR is the annual percentage rate before compounding: a 4% APR on 1,000 USDT held for a full year would pay about 40 USDT, if the rate stayed at 4% the whole time. Rates on this page are typical ranges, not offers.
Where does the reward come from?
For savings, from interest paid by borrowers who want to use the asset. For staking, from rewards the blockchain protocol issues to validators and shares with those who delegate stake to them, minus a validator commission.
Can I lose money with Earn?
Yes. The value of the asset can fall by more than any reward you receive, validators can be slashed, and borrowers or protocols can fail. Earn is not a savings account and is not protected by any deposit guarantee scheme.
How often are rewards paid?
The planned schedule is daily accrual with daily distribution for flexible products, and distribution at maturity for fixed-term products. Staking rewards follow each network's own schedule, which can range from minutes to days.