Earn on Your
Idle Balance
Move idle USD from your x-moneypay wallet into a fixed-term Earn plan with a standard USD interest rate. Interest is paid back to your balance, and your principal is returned at the end of the term.
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Interest Rates From
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24/7
Wallet Access
A Stated Rate.
Zero Manual Work.
Earn plans let you put idle USD from your wallet to work. You pick a plan based on how much you want to set aside and for how long, move the money in, and the plan pays a standard USD interest rate for its term — with interest paid straight back to your balance.
Earn plans sit alongside the money you send and receive every day. Only the USD you move into a plan is committed; the rest of your wallet stays available for payments and withdrawals.
- No trading or investing experience required
- Fund directly from your USD wallet balance
- Interest paid back to your balance
- Multiple plans can run at the same time
Standard USD Rate
Each plan pays the USD interest rate shown on it for the full term.
Principal Returned
Your original USD comes back to your balance when the term ends.
Funded From Wallet
Move money in from your balance in a few taps — no separate account.
Clear Payout Schedule
Interest paid daily, weekly, or monthly depending on the plan.
How an Earn Plan
Works
Every Earn plan follows the same six steps — from choosing a plan to getting your principal back.
Choose a Plan
Pick the Earn plan that matches the amount you want to set aside. Each plan shows its USD interest rate, term, and minimum up front.
Move USD From Your Wallet
Transfer idle USD from your x-moneypay balance into the plan. The rest of your wallet stays available to send, receive, and withdraw.
Term Starts
Your plan begins on the day the transfer is confirmed and runs for the fixed term shown on the plan.
Interest Accrues
Interest accrues on your committed USD at the stated rate for the length of the term — no trading, no market timing on your part.
Interest Paid to Balance
Interest is paid back to your wallet balance on the plan's payout schedule, where you can spend it, send it, or earn on it again.
Principal Returned
At the end of the term, your original USD is returned to your wallet balance. Early exit terms are shown on each plan before you commit.
Choose Your
Payout Schedule
Daily
Interest is paid to your balance every day. The shortest payout schedule, suited to smaller amounts you may want back quickly.
Weekly
Interest is paid to your balance each week over the plan term. A balance between regular payouts and a longer commitment.
Monthly
Interest is paid to your balance each month over the plan term. Suited to larger amounts you are comfortable setting aside for longer.
Choose Your Plan
All plans require account verification. Open a free account to start earning.
Flex Earn
From $100
Interest rate (USD)
APY in USD. Interest accrues daily and is paid to your balance monthly.
The no-commitment option. Move money in and out whenever you like while your idle USD earns a standard rate.
- No lock-up — withdraw anytime
- Interest accrues daily
- Paid to your balance monthly
- Start from $100
3-Month Term
From $500
Interest rate (USD)
Fixed APY in USD for the full term. Interest is paid monthly to your balance.
A short fixed term at a better rate than Flex. Your principal is returned to your balance at the end of the term.
- Fixed rate for the full term
- Interest paid monthly to your balance
- Principal returned at term end
- Early-exit terms shown before you confirm
6-Month Term
From $500
Interest rate (USD)
Fixed APY in USD for the full term. Interest is paid monthly to your balance.
The balance of rate and flexibility most customers choose. Fixed rate, monthly interest, principal back at maturity.
- Fixed rate for the full term
- Interest paid monthly to your balance
- Principal returned at term end
- Early-exit terms shown before you confirm
12-Month Term
From $1,000
Interest rate (USD)
Fixed APY in USD for the full term. Interest is paid monthly to your balance.
Our best standard rate for money you will not need this year. Fixed for twelve months, interest paid monthly.
- Our best standard rate
- Fixed for the full 12 months
- Interest paid monthly to your balance
- Principal returned at term end
Clear Terms.
No Surprises.
Earn plans are built to be simple: a stated rate, a fixed term, and your wallet balance left untouched.
Stated Rate, Fixed Term
Every Earn plan shows its USD interest rate and term before you commit. What you see is what the plan pays.
Segregated Capital
Earn plan capital is held separately from x-moneypay's operating funds, in line with our compliance framework.
Wallet Stays Liquid
Only the USD you move into a plan is committed. Everything else in your wallet remains available to send or withdraw at any time.
Clear Exit Terms
Each plan sets out what happens if you need to exit before the end of the term, so there are no surprises.
Risk Disclaimer: Earn plans are a financial product and are not a bank deposit. Capital you move into a plan is committed for the term, and these disclosures do not apply to money held in your wallet balance. Review each plan's terms, including early exit terms, before committing. Only commit money you can afford to set aside.
Earn Plans vs
Projects
Common Questions
Put Your Balance
To Work
Open a free account, complete KYC verification, add money to your wallet, and start an Earn plan in minutes.