Key Benefits
From idle to active
Competitive yield on ZAR, Stablecoins, and Crypto
Up to 10% APY on ZAR, USDC, USDT, BTC, SOL, and ETH. Yield accrues daily and is claimable directly from your dashboard. No lock-in.
Returns from activity, not speculation
Supported Assets may be utilised in FiveWest’s business operations to provide liquidity for its OTC desk, including assisting with trades and settlement.
No fees
FiveWest charges no fees to use our Earn product.
Convert ZAR to dollar-linked assets and earn 10% APY
Protect yourself from ZAR depreciation and earn a meaningful return on capital within a fully regulated South African framework.
How it works
How to Earn
Start earning yield today.
01.
Create an account
Sign up and complete verification, individual or business profile.
02.
Deposit ZAR, USDT, USDC, BTC, SOL, and ETH
Fund your FiveWest account.
03.
Yield accrues daily
Yield is calculated on a simple-interest basis, and the accrued balance is updated daily on the FiveWest Portal. For ZAR Earn, Yield will ordinarily be credited or updated at approximately 17:00 SAST, subject to system availability and operational requirements.
04.
Claim and withdraw
Claim accrued Yield from your dashboard and transfer it to your main FiveWest Wallet. You may request the withdrawal of all or part of your principal amount at any time. Valid withdrawal requests will be processed within fourteen (14) business days, or sooner where reasonably possible.
Earning Options
Annual Percentage Yields (APYs) are indicative and may vary.
Stablecoins
Up to 10% APY on USDC and USDT.
Cryptocurrency
Up to 10% APY on BTC, ETH and SOL.
South African Rand
Up to 10% APY on ZAR.
FAQs
What is APY?
Annual Percentage Yield represents the total return on a deposit over a year. FiveWest calculates yield on a simple interest basis, credited daily.
What are the minimums?
The minimum deposit is $500 USD equivalent for crypto assets and R10,000 for ZAR Earn.
How does FiveWest generate the yield?
Supported Assets deposited into an Earn Account may be utilised in FiveWest’s business operations to provide liquidity for its OTC desk, including assisting with trades and settlement. From 15 October 2026, BTC held in a BTC Earn Account may additionally be lent to eligible third-party borrowers or counterparties to generate a return. This lending arrangement applies only to BTC.
Is this a capital-guaranteed product?
No. FiveWest Earn is not a traditional interest-bearing account, savings account or bank deposit and is not covered by deposit insurance. Profit and Yield are not guaranteed, the applicable Yield Rate may fluctuate, and participation in the FiveWest Earn Service involves risk. Please review the FiveWest Earn Product Terms and General Risk Warnings before participating.
How do I claim my yield?
Your accrued Yield balance is updated daily on the FiveWest Portal. For ZAR Earn, Yield will ordinarily be credited or updated at approximately 17:00 SAST, subject to system availability and operational requirements. You can claim accrued Yield from the Earn tab in your dashboard, after which it will be transferred to your main FiveWest Wallet.
How quickly can I withdraw?
You may request the withdrawal of all or part of your principal amount at any time. FiveWest will process a valid withdrawal request within fourteen (14) business days, or sooner where reasonably possible. Yield will cease accruing on the principal amount requested for withdrawal from the date FiveWest receives the request.
How are my assets stored?
FiveWest may use third-party service providers, including Ceffu and other custodians, exchanges, liquidity providers, banking partners and technology providers in connection with the Earn Service. Supported Assets transferred into an Earn Account may be utilised in FiveWest’s business operations and should not be regarded as assets that are simply held in custody. Where BTC is lent to eligible third-party borrowers or counterparties, it may not remain in the custody or control of FiveWest or its custody provider for the duration of the lending arrangement.
Are there any fees?
None. FiveWest charges no fees to use the Earn product.
