Save in dollars.
Grow every single day.
Smart Savings pays daily interest on dollar-stable USDT or USDC. Set goals, share them with family, automate your deposits, and withdraw whenever you need to.
Saving 200 USDT a month at 4% a year, compounded daily.
From first deposit to daily interest.
No crypto knowledge needed. Money moves in from your wallet, grows every day, and comes back whenever you ask.
See what 4% looks likeAdd money to savings
Move any amount of USDT or USDC from your wallet into savings. If your wallet is empty, deposit through your local payment method first.
Set a goal, or don't
Name what you are saving for, give it a target and a category, and invite family or friends with a share link. Or skip goals and simply let your balance grow.
Automate the habit
Add an auto-save rule and Zenttri moves money into savings on the schedule you choose, so saving continues even in busy weeks.
Earn daily, withdraw any time
Interest compounds daily at 4% per year, and the app shows what you earned each day. When you need the money, withdrawals settle back to your wallet within 48 hours, with no penalty.
Your money should not lose value while it sleeps.
Across many markets, cash savings shrink year after year as local currencies slide. Dollar-stable savings hold their ground, and earn while they wait.
- Dollar stability
- USDT and USDC track the US dollar, so a fall in your local currency does not shrink what you have saved.
- Interest you can watch
- 4% per year, compounded daily. Interest is credited every day, not once a quarter, and the app shows it growing in real time.
- Goals that keep you honest
- Put a name, a target and a category on what you are saving for, and share a goal with family so everyone can watch it fill up.
- Always within reach
- This is not a fixed deposit. Withdraw whenever you like, and the money settles back to your wallet within 48 hours.
What 4% per year looks like
One-time deposit, daily compounding, held for 12 months.
- You deposit100 USDTAfter 12 months104.08 USDTInterest earned+4.08 USDT
- You deposit500 USDTAfter 12 months520.40 USDTInterest earned+20.40 USDT
- You deposit1,000 USDTAfter 12 months1,040.81 USDTInterest earned+40.81 USDT
Illustration at the current rate of 4% per year. Moving money in, earning interest, and withdrawing back to your wallet are all free.
Frequently asked questions
Everything you need to know before you start.
How is the 4% interest calculated and when is it paid?
Interest accrues daily at a rate equivalent to 4% per year and is compounded, meaning each day you earn interest on your previous interest too. You can see your accrued interest grow in the app every day.
Is there a minimum amount to start saving?
You can start with any amount of USDT or USDC. There is no minimum balance requirement and no monthly fee.
Can I withdraw whenever I want? Are there penalties?
Yes, you can withdraw at any time, and no, there are no penalties or exit fees. Smart Savings has no lock-in period. Withdrawals settle back to your wallet within 48 hours.
What is USDT and why is it stable?
USDT (Tether) is a stablecoin designed to track the US dollar one-to-one. Unlike volatile cryptocurrencies such as Bitcoin, its purpose is price stability, which makes it suitable for savings.
What happens to my savings if my local currency loses value?
Nothing happens to your USDT balance. Because your savings are held in dollar-stable USDT, a fall in your local currency does not reduce them. In local currency terms, your savings would actually be worth more.
Are there any fees on Smart Savings?
No. Moving money into savings, earning interest, and withdrawing back to your wallet are all free. Standard conversion rates apply only when you cash USDT out to your local payment method.
Where does the interest come from? Is this too good to be true?
The yield is generated from Zenttri's treasury activities, including fees from products across the platform. 4% per year is a sustainable rate we can stand behind, not a promotional teaser.
Do I need to verify my identity to use Smart Savings?
Yes. Like all Zenttri features, savings requires a verified account. Verification is done once, in minutes, inside the app, and keeps the platform safe for everyone.
Can I create more than one savings goal?
Yes. You can run multiple named goals at the same time, each with its own target amount and deadline, and contribute to them independently.
What happens if I do not reach a goal by its deadline?
Nothing bad. Your money keeps earning interest, and you can extend the deadline, adjust the target, or withdraw the balance. Goals are a motivation tool, not a contract.
Can I lose money with Smart Savings?
Your USDT balance only goes up while in savings, since interest accrues daily and there are no fees. As with any stablecoin, the main consideration is that USDT is designed to track the US dollar. We recommend reading our regulatory page to understand the framework we operate under.
How do I deposit if I do not have USDT yet?
Deposit local currency through mobile money (M-Pesa, MTN Mobile Money, Airtel Money, Orange Money and more). It converts to USDT in seconds, and from there you can move it into savings with one tap.
Still have questions? Contact our team
Your first interest lands tomorrow morning.
Open your free account, move any amount into Smart Savings, and start earning 4% per year from day one.