Flexible and Fixed Deposit Staking with ZMO’s Earn Products

ZMO Earn lets you generate passive income from idle crypto — choose flexible or fixed deposits, earn daily or at maturity, and redeem anytime with no penalty for early exit.

Lulu Liu

8 min

Jul 7, 2026

ZMO's Earn products allow you to generate passive income by locking in your digital assets. Explore a range of fixed and flexible interest-generating products, tailored to your preferences and requirements.

To get started, make sure you have funds in your spot wallet.

Step 1: Navigate to the Earn Page

Log in to your ZMO account.
Navigate to the "Earn" page.

Step 2: Choose Your Product

Browse and select the desired Earn product.
Click on the "Earn" button to proceed.

Step 3: Deposit Funds and Confirm

If you don’t have any funds in your spot wallet, input the amount you wish to deposit.
Check the "I agree to" checkbox to accept the terms.
Click the "Start Earning" button.

(Note: For fixed deposit products, select the duration that you prefer)

Now just sit back and wait!

If you’ve selected a flexible deposit product, interest will start accruing daily. If you’ve selected a fixed deposit product, your interest will be distributed at the end of the staking period. You can also check off the auto-renewal box to keep staking at the end.

Frequently Asked Questions (FAQs)
When do ZMO’s Earn products typically distribute interest?

Interest will be credited to your Earn wallet differently, depending on the product you choose.

Flexible Deposits: Interest is calculated daily at 14:00 UTC. No interest will be earned on deposits for less than 24 hours.
Fixed Deposits: Interest is calculated on the maturity date and distributed at the end of the staking period; no interest accrues before maturity.

Note: Interest calculations are rounded to 8 decimal places.

How can I redeem my Earn products?
After receiving interest, follow these steps:

Go to the "Wallet" section.
Click on "Earn" and locate the Earn product that you wish to redeem.

Enter the redemption amount and click the “Redeem” button.

Can I redeem my fixed deposit products before their expiry date?

Yes, you can. There is no penalty for early redemption, but you will forfeit all interest upon doing so.

Interest Calculation Methods

Simple Interest: Multiply the interest rate by the principal. (the interest calculation result will be rounded to 8 decimals)
For example:
The interest rate of 7-day fixed deposits of USDT is 0.131%. If you deposit 1000 USDT, then the interest calculation will be 1000 * (7 * 0.131% / 365) = 0.02512328 USDT
Compound Interest: Add previously earned interest to the principal and apply the interest rate.

For example:
The daily interest rate of flexible deposits is 0.535%. If you deposit 1000 USDT for 7 days, then the interest calculation will be 1000 * (1 + (0.535% / 365))^7 - 1000 = 0.10260725 USDT

Annual Percentage Yield (APY)

APY estimates the yearly return for your chosen deposit plan.

Automatic Renewal

For Flexible Deposits: No need to enable auto-renewal; interest is calculated daily.
For Fixed Deposits: Auto-renewal is enabled by default. You can disable it when staking funds or in the Earn Wallet management panel.