Why Zeal Beats Traditional Bank Rates
Most European banks hand you less than 3 percent interest on your Euros, while secretly lending your cash at much higher rates. Guess who keeps the difference? Not you. Zeal flips the script by connecting you directly to decentralized finance (DeFi) platforms, giving you the yields typically reserved for banks and institutions.
How Do Banks Profit From My Deposits?
Here’s the not-so-secret truth: traditional banks take your Euro deposits and lend them out as mortgages, personal loans, and business financing, charging borrowers hefty interest rates (often 5% or more). They then hand back only a small fraction of these earnings to you as interest, typically less than 3%. Banks pocket most of the profit, explaining why your savings barely grow.
Comparing Zeal to Bank Accounts
Zeal’s account is a hybrid between traditional current and savings accounts. You earn high yields comparable to savings accounts but retain instant access, spending capabilities, and flexibility typical of current accounts.
Here's how Zeal stacks up against popular EU accounts:
Zeal (via Aave - DeFi) 3.4%*
Revolut Instant Savings (FR) 2.25 %*
BNP Paribas Livret A (FR) 2.40 %*
N26 Instant Savings (EU) 2.00 %*
N26 Standard Current Account (EU) 0%
Revolut Standard Current Account (EU) 0%
*Rates published August 2025.
Unlike these accounts, Zeal directly connects your Euros with decentralized lending markets, such as Aave, allowing you to earn higher returns without hidden fees, account minimums, or lock-ups. Your money stays flexible, available to spend or withdraw anytime, day or night.
Key difference: Traditional banks keep the upside. Zeal gives it back to you.
Traditional Bank vs. Zeal (DeFi)
Traditional Banks
- Take your deposits, lend at high rates
- Keep most profits, share minimal yield
- Withdrawal limits, penalties, restrictions on spending
Zeal (via DeFi)
- Deposits go directly into decentralized lending markets
- You earn the full yield from borrowers
- Instant access and spendability, zero withdrawal restrictions
How Zeal Makes High Yield Easy
When you deposit Euros into Zeal, your balance converts seamlessly into a digital EUR stablecoin: a secure digital currency pegged 1:1 with the EUR. Stablecoins hold steady value, forming a solid foundation for reliable returns.
Through Zeal, you deposit these stablecoins directly into Aave, one of the most trusted DeFi lending platforms. Aave securely handles billions in deposits each year, paying interest to users who provide liquidity for borrowers.
The result? Your Euro balance grows continuously. Interest compounds automatically every second, visibly updating live in your Zeal app. There's nothing complicated to manage, your money just works.
What Makes Zeal a Better Choice Than Typical Crypto Platforms
You don't need a Ph.D. in blockchain to enjoy DeFi yields with Zeal. The complexity stays hidden behind a clean, user-friendly interface.
Here's why Zeal stands out:
- No trading required: Deposit Euros and start earning without any token swaps or complicated setups.
- No seed phrases: Zeal’s passkeys, secured with biometrics and cloud backup, eliminate stressful crypto phrases.
- Instant liquidity: Spend or withdraw your funds instantly, just like your favorite current account.
- Self-custodial: Zeal never touches your money; your funds remain fully under your control.
- Real-time earnings: Track yield growth second-by-second from your phone.
Zeal transforms advanced DeFi into a seamless, high-yield banking experience you can trust.
Understanding the Risks and How Zeal Helps You Manage Them
Higher yields don't appear out of thin air, they come from lending your stablecoins on decentralized finance markets like Aave. Borrowers must deposit collateral exceeding the amount they borrow, protecting your funds even if borrowers default. These safety rules kept users secure even during the 2022 crypto market turmoil.
Zeal connects you exclusively with reputable, audited DeFi platforms like Aave, known for managing over $10 billion securely without losses for multiple years.
Still, these accounts are not government-insured. While Aave and other trusted platforms significantly mitigate risk, they can’t eliminate it entirely. Zeal empowers you to manage risk by clearly showing you exactly where your funds go and ensuring total control remains in your hands.
Why Your Yield Rate Moves Around
Your yield depends directly on the borrowing demand for USDc on Aave's decentralized platform. When demand spikes, yields increase; when it declines, yields adjust downward. Recently, the yield for EURe through Aave has ranged between approximately 3 percent and 6 percent.
FAQ: Zeal Yield, Explained
Q: How does Zeal enable me to earn high yields on Euros?
A: Zeal lets you deposit Euros into digital EUR stablecoins, which are placed directly into the Aave decentralized finance platform. Aave pays interest by lending your stablecoins to borrowers who provide collateral.
Q: Is using Zeal similar to crypto trading?
A: No. Zeal isn't about trading or speculation. Your EUR stablecoins remain steady in value, earning passive interest through lending, without exposure to volatile crypto markets.
Q: How does Zeal compare to typical bank accounts?
A: Banks lend your Euros and keep most profits. Zeal connects you directly to Aave's decentralized lending markets, ensuring you keep the full potential yield yourself, with instant spendability and access similar to current accounts.
Q: Can I access and spend my Euros anytime with Zeal?
A: Yes. Zeal allows 24/7 access to your funds without any minimum balances, lock-up periods, or withdrawal fees. You can spend your Euros instantly using Zeal’s Visa card.
Q: Is Zeal safe to use?
A: Zeal integrates exclusively with audited and highly secure decentralized platforms like Aave. You retain full self-custody and control over your money. While not risk-free, Zeal helps you transparently understand and manage risk.
Q: What exactly is Aave, the platform Zeal uses?
A: Aave is one of the largest and most trusted decentralized lending platforms in the DeFi space. It securely handles billions of EUR in user deposits each year and pays interest for providing liquidity to its market. Aave is audited regularly and is widely respected for its robust security and reliability track record.
Disclaimer: Information provided is for educational purposes only. It is not investment advice or a guarantee of future returns. Evaluate your financial situation and risk tolerance before using decentralized finance platforms.
