Overview

FiveWest Earn is an opt-in service that allows clients to earn a variable yield on supported assets deposited into a designated Earn Account.

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 also be lent to eligible third-party borrowers or counterparties for the purpose of generating a return. This third-party lending arrangement applies only to BTC. ZAR, USDT, USDC and other supported assets will not be lent to third parties under the FiveWest Earn Service.

Yield is not guaranteed, and the applicable Yield Rate may fluctuate according to prevailing market conditions.

Yield Structure

Clients earn an annual percentage yield (APY) as follows:

The applicable Yield Rate is communicated upfront and may change from time to time according to prevailing market conditions. Yield is calculated on a simple-interest basis, and the accrued balance is updated daily on the FiveWest Portal. Yield does not compound and may be claimed through the “Claim” or “Claim Yield” facility on the Earn tab.

Clients may request the withdrawal of all or part of their 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.

Risk and Regulatory Considerations

No Guaranteed Return: FiveWest Earn is not a traditional interest-bearing account, savings account or bank deposit and is not covered by deposit insurance. Yield is not guaranteed, and the applicable Yield Rate may fluctuate.

How Assets Are Used: 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.

BTC Lending Risk: From 15 October 2026, BTC held in a BTC Earn Account may also be lent to eligible third-party borrowers or counterparties. Where BTC is lent, it may not remain in the custody or control of FiveWest or its custody provider for the duration of the lending arrangement. This creates counterparty and credit risk and may result in delayed withdrawals or, depending on the circumstances, a partial or complete loss.

BTC Only: This third-party lending arrangement applies only to BTC. ZAR, USDT, USDC and other Supported Assets will not be lent to third parties under the FiveWest Earn Service.

Client Requirements

- Create either an individual or business user profile.

- White-list any crypto wallet addresses used for sending/receiving cryptocurrencies.

Fees

Clients pay no fees to make use of the FiveWest Earn product.