Licensed & CompliantFormer Bank Executives on LeadershipUp to 9% APYWithdraw Anytime, No Lockup

Flexible Earn

Your Money, Never Idle.Always Growing.

Hold a balance and it earns automatically — up to 9% APY, with zero commitment. No sign-up step, no toggle to remember, no lockup. Withdraw anytime, instantly.

Start Earning Today
See What You'd Earn

No forms to fill out. No separate app. Just deposit, and watch it grow.

How it works

Deposit It. Forget It. Watch It Grow.

No sign-up step, no toggle to remember, no separate product to activate. The moment fiat or crypto lands in your account, it's already earning — up to 9% APY, automatically, with nothing locked and nothing owed.

  1. 01No additional step

    Balance in the account = balance earning. There's no separate action required to “turn on” Flexible Earn — it's the default behavior of every balance.

  2. 02Withdraw anytime, instantly

    Need the money tomorrow? Next hour? It's never locked. Full liquidity, always.

  3. 03Growth you can watch

    Your balance updates visibly as it earns — not a reward you have to claim, and not a statement you wait for at month-end.

This is money that works even when you're not thinking about it. No app to open, no button to press — just balance, doing what balance should always have done.

Up to 9% APY — with zero lockup, zero forms, zero waiting.

Hand holding growing coin stacks

Flexible Earn

Just hold money

Earn by Holding. Nothing More Required.

Flexible Earn activates the moment an eligible balance lands — fiat or crypto. No extra enrollment, no product toggle, no lockup. Hold funds in your account and earn based on balance tier — up to 9% APY; the larger the balance, the greater the return.

  • 01
    Default by design

    Eligible balances earn automatically. If the funds are in the account, they are already working.

  • 02
    Instant liquidity

    Withdraw whenever you need to. Flexible Earn never locks capital or delays access.

  • 03
    Visible compounding

    Watch growth accrue on your balance in real time — no separate claim step required.

APY by hold amount

The more you hold, the more you earn.

$0 –30k

5% APY

Starter balances

$30k –100k

7% APY

Growth balances

$100k+

9% APY

Prime balances

Funding

Fund It With Crypto. Fund It With Cash. Your Call.

Flexible Earn accepts deposits either way — no need to convert first, no extra step standing between what you have and what starts earning.

Crypto

Deposit crypto directly

Bitcoin, Ethereum, USDT, or any supported asset — earning as-is.

  • BTC
  • ETH
  • USDT
  • More

Fiat

Deposit fiat directly

ACH, wire, SWIFT, or a local transfer — converted and put to work immediately.

  • ACH
  • Wire
  • SWIFT

Calculator

See What Your Balance Could Earn.Right Now.

Enter your balance. Watch what it earns — no lockup, no commitment, just the number.

This balance earns 5% APY — up to 9% APY on higher balances.

$500 over 12 months

Curious what locking in a term could earn instead? SeeStaking for rates up to 12% APY.

This is an estimate based on current published rates. Actual returns vary with balance changes and rate updates — see full terms below.

Start Earning This Rate

Why start

Idle Capital Has a Cost.

Cash that sits unused loses opportunity every day. Fuzopay turns the same balance into published yield — without changing how you hold it.

01

Checking account

Built for movement, not growth. Typical yields stay near zero.

02

Crypto wallet

Stores value securely, but earns nothing while assets sit idle.

03

Flexible Earn

The same balance, the same asset, actually working — up to 9% APY, automatically, with nothing locked.

Illustrative APY comparison

Published ceilings vs idle alternatives

Typical idle checking
~0.5%
Crypto wallet (no earn)
0%
Fuzopay Flexible Earn
Up to 9%
Fuzopay Staking (12 mo)
Up to 12%

Comparison illustrates idle money vs Fuzopay published APY ceilings — not a claim against named competitors. Typical checking figure is an industry approximation for illustration.

Ready for more?

Flexible Today.Ready for More Tomorrow?

Flexible Earn is for money you might need any day. When a balance can sit unused for a term, Staking publishes a higher ceiling — up to 12% APY — for 3, 6, or 12 months.

Flexible Earn

Up to9%APY

No lockup · Withdraw anytime

Staking

Up to12%APY

3, 6, or 12 month terms

Compare rates on Staking

FAQ

Questions about Flexible Earn

It starts the second a deposit lands. There is no toggle, no form, and no waiting period. Balance in the account is balance already earning at the published Flexible Earn rate for that amount — up to 9% APY.

Yes. Flexible Earn has no lockup and no penalty. Pull the balance out in full whenever you want, and keep every cent earned up to that moment. KYC is required before any withdrawal.

APY figures on this page reflect currently published Fuzopay Flexible Earn rates, which rise with balance. Accrual and compounding details are shown in your account and on Pricing. Calculator projections use those published rates.

Yes. Deposit Bitcoin, Ethereum, USDT, or another supported asset as-is, or send fiat by ACH, wire, SWIFT, or a local transfer. There is no extra step to turn a deposit into Flexible Earn.

There is no separate Flexible Earn product to activate. A published balance earns at the published rate for that amount. Current tiers are shown on Pricing and in the calculator.

Fuzopay does not charge a fee to hold a Flexible Earn balance. Your sending bank or the crypto network may charge their own deposit or withdrawal cost.

No. Flexible Earn is a published yield on your Fuzopay balance, not a traditional bank savings account. Rates, access, and protections follow Fuzopay terms.

Flexible Earn is automatic, up to 9% APY, with instant withdrawal and no commitment. Staking is a published term — 3, 6, or 12 months — at a higher rate, up to 12% APY on a 12-month term.

Stop Watching Your BalanceSit Still.

Up to 9% APY, automatically.

No lockup, no forms, withdraw anytime.

Start Earning Now