Earn Types: What's the best for me?

Earn Accounts are a smart way to grow your crypto and stablecoin holdings by earning interest over time. Whether you prefer full flexibility or want to maximise returns with a fixed commitment, there's an Earn Account type to match your goals.

Flexible Earn Account — Full access and daily control

Flexible Earn Accounts are ideal if you want instant access to your funds with no strings attached. Top up or withdraw anytime, with no fees or penalties. Interest is variable and may change based on market conditions and your Membership Tier.

Best for:

• Short-term holding
• Users exploring the product
• Anyone who needs quick access to their funds

Fixed Earn Account — Long-term growth and higher returns

Fixed Earn Accounts offer the highest interest rates in exchange for a fixed commitment. Choose a term (e.g. 1, 3, 6, 12, or 24 months), lock your funds, and earn stable weekly interest. When the term ends, your account will automatically renew for the same duration if Auto-Renewal is enabled — or become Flexible, giving you full access to your balance again.

Best for:

• Long-term saving strategies
• Users looking for predictable, stable returns
• Anyone with no short-term spending plans for these funds

Choosing the right Earn Account for your goals

Your perfect Earn Account depends on your saving style and risk appetite:

• Want full control and no commitment? Go for Flexible
• Ready to commit and maximise your potential rewards? Choose a Fixed term that fits your goal

Investing in cryptocurrency involves risks, and the value of cryptocurrencies can be volatile. Before depositing funds in an Earn Account, make sure you understand the risks involved and only invest money you can afford to lose.