Use ZebPay Earn to get fixed earnings of up to 10%

ZebPay Earn is a feature that lets you earn passive returns on your crypto asset holdings. You deposit your crypto assets for a chosen term, 30, 60, or 90 days, and earn annualized returns paid directly to your ZebPay wallet at maturity (unless you have opted to auto-renew your earnings). ZebPay Earn supports major crypto assets including Bitcoin (BTC), Ethereum (ETH), USDT, Solana (SOL), Cosmos (ATOM), and others. Over ₹23 crores worth of crypto assets have already been distributed in returns through ZebPay Earn.

ZebPay Earn features annualised earning percentage based on the crypto asset and the time period you invest it for. For exact rates of earning percentage, please check the ZebPay Platform. Higher rates apply to longer deposit terms (30 < 60 < 90 days).

ZebPay Earn currently supports 10 crypto assets:

• Bitcoin (BTC)

• Ethereum (ETH)

• Tether (USDT)

• BNB (BNB)

• Solana (SOL)

• Cardano (ADA)

• Cosmos (ATOM)

• Polygon (POL)

• TRON (TRX)

• Injective (INJ)

ZebPay continues to add new crypto assets to the Earn program. ZebPay may also remove crypto assets from the Earn program at its discretion. Check the ZebPay Platform for the most current list of supported assets and their respective earning rates.

ZebPay Earn offers three fixed deposit terms: 30 days, 60 days, and 90 days. Longer terms generally offer higher annualized earning rates. Without auto-renewal, your deposit ends when the selected term expires. You can also enable auto-renewal, which automatically reinvests either only your invested crypto assets, or your invested crypto assets together with the earnings (as elected by you), into a new term of the same duration when the current term expires, at the earning rate prevailing on the date of renewal. Where only your invested crypto is reinvested, the earnings for the completed term are credited to your ZebPay wallet. Auto-renewal continues until you exercise the Exit Option or ZebPay exercises its Closing Option. Note: not all crypto assets support the 90-day term, for example ATOM and ADA are limited to 30/60-day options only.

No, ZebPay Earn does not charge any penalty for early withdrawal. If you withdraw your crypto assets before your deposit term expires, by clicking ‘Exit’ against the Earn transaction under ‘View your transactions’, your invested crypto is returned in full to your ZebPay wallet on the same day, you will not lose any of your original crypto asset holdings. Withdrawal applies to the entire Earn transaction; partial withdrawals are not available. However, you will not be eligible for any earnings for the term in progress at the time of withdrawal if the withdrawal is prior to the expiry of the deposit term. Where auto-renewal is enabled, earnings are paid only for the terms fully completed before withdrawal.

Yes. ZebPay may close an active Earn deposit before the end of the term (the “Closing Option”) by notifying you on your registered email address at least one day in advance. Your entire invested crypto will be returned without any deduction, together with the earnings accrued up to the date of closure.

ZebPay Earn has minimum deposit limits for each supported crypto asset. Details are available on the ZebPay platform. There is no stated maximum deposit limit.

ZebPay Earn calculates returns on a daily basis. The earning cycle runs from 00:00 UTC to 23:59 UTC each day (5:30 AM to 5:29 AM IST). Earnings begin accruing from 00:00 UTC on the start date of your deposit. The annualized rate is divided across the number of days in your chosen term, and the total accumulated earnings are credited to your wallet at maturity or renewed, where you have opted to auto-renew your earnings.

(Example: If you deposit 1 ATOM at 10% annualized for 60 days, your approximate earning = 1 × 10% × (60/365) ≈ 0.01397 ATOM)

Under a Fixed Term, your earnings are credited to your ZebPay wallet on the maturity date of your deposit, between 00:00–02:00 UTC (5:30–7:30 AM IST). The earnings are paid in the same crypto asset you deposited. For example, if you deposited BTC, your returns are credited as BTC. After crediting, the funds are immediately available in your wallet for trading, withdrawal, or re-investing in a new Earn term.

ZebPay Earn is designed with security as a priority. ZebPay is India’s oldest crypto exchange (operating since 2014) and is registered with the Financial Intelligence Unit (FIU-IND) under India’s Prevention of Money Laundering Act (PMLA). User funds are stored in multi-signature (multi-sig) cold wallets, significantly reducing online exposure. Unlike DeFi staking, ZebPay Earn is a centralized, platform-managed product, returns are fixed and not subject to smart contract risk.

Yes, earnings from ZebPay Earn are taxable in India under the current crypto tax framework (Finance Act 2022). Returns earned through ZebPay Earn are classified as income from Virtual Digital Assets (VDA). TDS may also apply on certain transactions. You are solely responsible for your own taxes applicable on your earned crypto assets arising from ZebPay Earn. ZebPay recommends consulting a qualified tax advisor for personalized guidance, as crypto tax regulations in India continue to evolve.

Yes, ZebPay Earn supports USDT (Tether), offering annualized returns. USDT earning is particularly attractive for users who want to avoid crypto price volatility, since USDT is pegged to the U.S. Dollar, keeping your principal value stable while you earn returns.