Crypto
Deposit crypto directly
Bitcoin, Ethereum, USDT, or any supported asset — staked as-is.
- BTC
- ETH
- USDT
- More
Licensed & CompliantFormer Bank Executives on LeadershipUp to 12% APYChoose Your Term: 3, 6, or 12 Months
Staking
Your Highest RateIs Waiting on a Term.
Two ways to earn — hold your balance and earn up to 9% APY with zero commitment, or lock in for a term and earn up to 12% APY. Deposit crypto or fiat, either way. Your money starts working the moment it lands.
No forms to fill out. No separate app. Just deposit, and watch it grow.
How it works
Pick a Term. Lock It In. Earn the Higher Rate.
Staking is for balances you will not need in the near term. Choose 3, 6, or 12 months — the published rate is set at deposit, and longer commitments unlock a higher ceiling, up to 12% APY.
- 01Choose your term
Select 3, 6, or 12 months. Larger balances and longer terms publish stronger rates — the schedule is on this page.
- 02Rate locked at deposit
The APY offered when you commit is the rate for that term. It is not cut mid-term if you hold through maturity.
- 03Hold through maturity
The balance stays committed until the term ends. Growth accrues on that locked amount — then you withdraw at maturity.
This is capital you have already decided not to touch. The term is the condition of the higher published rate — not a toggle, and not a guess.
Up to 12% APY — 3, 6, or 12 months, rate locked at deposit.
Staking
Commit Capital. Secure a Stronger Rate.
Published APY is determined by balance tier and lock term. Choose 3, 6, or 12 months — longer commitments and larger balances unlock higher rates, with fee advantages that improve as you scale.
Rate schedule
APY by hold amount and term
Hold amount3 months6 months12 months
CoreUp to $30 k
Growth$30 k –100 k
Prime$100 k+
Top rate12 % APY
3 mo · Reduced fee6 mo · Lower fee12 mo · Lowest fee tier
Rates as published on Pricing. Your rate is fixed for the selected term from day one — no mid-term cuts on an active lock.
Funding
Fund It With Crypto. Fund It With Cash. Your Call.
Both Flexible Earn and Staking accept deposits either way — no need to convert first, no extra step standing between what you have and what starts earning.
Fiat
Deposit fiat directly
ACH, wire, SWIFT, or a local transfer — converted and put to work immediately.
- ACH
- Wire
- SWIFT
Calculator
Watch Your Money Compound. Right Now.
Enter your balance. Pick Flexible Earn or Staking. See exactly what exponential growth looks like.
Product
Staking term
Time horizon
This is an estimate assuming profits are reinvested into the balance each year (exponential growth). Flexible Earn projections use a ×1.12 yearly multiplier. Actual returns vary with balance changes, rate updates, and term selection — seePricing and full terms. Projections are not guaranteed.
Why stake
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
Fuzopay staking
Flexible Earn up to 9% APY, or Staking up to 12% APY — same assets, working capital.
Two ways to earn
Choose How Hard Your Money Works.
Put every balance to work with a clear path: hold and earn on demand, or commit for a stronger published rate. Two products. One goal — capital that never sits idle.
Just hold money
Flexible Earn
Up to9%APY
Keep a balance in your account — nothing else required. Rates rise with how much you hold.
- CommitmentNone — fully flexible
- WithdrawAnytime, instantly
- How it worksEarn by holding — no setup, no lockup
- Reward scaleGrows with your balance
- Best forEveryday liquidity & continuous growth
Higher return
Staking
Up to12%APY
Choose a term and secure a stronger published rate — built for capital you’re ready to put to work.
- Commitment3, 6, or 12 months
- WithdrawAt term maturity
- How it worksSelect a term, then hold through maturity
- Fee advantageImproves with longer commitments
- Best forBalances you won’t need in the near term
FAQ
Questions About Staking
Clear answers on Flexible Earn, Staking, rates, withdrawals, and how earning works.
Flexible Earn earns up to 9% APY with no commitment and instant withdrawal. Staking earns a higher published rate — up to 12% APY on a 12-month term — when you choose a 3, 6, or 12 month lockup.
Yes. Flexible Earn is never locked. You can withdraw anytime, instantly, subject to normal account transfer rails and published fees.
Staking is designed to be held until maturity. Early exit rules, if available, are disclosed at deposit and on Pricing — your locked rate applies for the full selected term when held to maturity.
Yes. Both products accept crypto or fiat — no separate conversion step is required before your balance can start earning at the published rate for your product.
APY figures reflect currently published Fuzopay rates. Compounding frequency and accrual details are shown in your account and on Pricing; calculator projections use those published assumptions.
For Staking, the rate offered at deposit is locked for that term and is not cut mid-term. Flexible Earn rates can be updated for future periods as published.
Minimums follow published tier and product rules on Pricing. Higher APY tiers unlock as your stake scales — currently from Core through Growth and Prime.
Staking fee advantages improve with longer Staking terms. Withdrawal and conversion fees, when they apply, are disclosed in your account and on Pricing.
No. Staking rewards are a Fuzopay product feature based on published APY tiers, not a traditional FDIC-insured bank savings account. Review terms before depositing.
Additional deposits follow the rules published for your product. Staking mid-term top-ups, when available, are disclosed at deposit; Flexible Earn continues earning at the then-current published Flexible Earn rate on eligible balance.
Put Your Balance to Work Today.
Flexible Earn up to 9% APY with no lockup.
Staking up to 12% APY on your chosen term.
Deposit crypto or fiat and start earning when it lands.