Yield
ZAMA on Toobit
Toobit pays 5.0 % APY on Zama (ZAMA) as a Flexible rate. On YieldScope Toobit carries a safety grade of C, scored across five risk criteria. Below: where ZAMA earns more — and where it earns safer.
Bitget Earn B Yield source: Exchange Earn
Where else ZAMA earns
Toobit currently has the top ZAMA rate we track. Here's the rest of the field, ranked by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Toobit (this page) | 5.0 % | Flexible | C |
 Binance Earn | 4.72 % | Flexible | C |
| Bitget Earn | 2.68 % | Flexible | B |
 Bybit Earn | 0.89 % | Flexible | C |
Toobit is graded C. If safety matters more than a few extra basis points, Bitget Earn earns ZAMA at a higher grade (B).
Why Toobit is graded C
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗
Regulation
No licence from a financial regulator found. The operating company is incorporated in the Cayman Islands; EU and EEA residents contract with Elyndret Sp. z o.o., a Polish company, and Toobit says it holds a Polish VASP registration — a register entry, not a MiCA authorisation, and we found no MiCA licence. Source 1 → Source 2 →
- ✓
Proof-of-Reserves
Monthly Merkle-tree proof of reserves with an open-source verifier and independent audits (Hacken). The 1 September 2026 report: BTC 104%, ETH 102%, USDC 106%, USDT 105%. Source →
- ✓
Flexible withdrawal
Flexible Earn products can be redeemed at any time; fixed terms (7–30 days) are labelled separately. Source →
- ✗
Insurance Fund
Toobit Shield Fund with public wallets: 99 BTC, 1,825 ETH, 8M USDT and 20M USDC — about $41M, per Toobit. Public and self-funded, but under the $100M this check requires. Source →
- ✓
Track record (2+ years incident-free)
Operating since 2022. We found no hack or loss of client funds on record. Toobit has withdrawn from several markets under local rules; the current list of excluded countries is in its terms of use. Source 1 → Source 2 →
How ZAMA yields moved across exchanges
from 2026-06-09 to 2026-09-26
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
This is not an affiliate link. Price for you doesn't change.
How ZAMA earns on Toobit
When you deposit ZAMA into Toobit's earn product you receive 5.0 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. Toobit carries a YieldScope safety grade of C, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on ZAMA move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.