Fees
Last updated October 19, 2026
No subscription, no account fee, and nothing to put money in or take it out. Zenkai earns when your money earns, and you see every fee before you agree to it.
| Earning in a capsule | Zenkai keeps 10% of what your money earns. Every rate in the app is already after it. Higher power tiers get part of it back as rewards. The Euro Capsule has no fee for now. |
|---|---|
| Swaps | 0.6% of the amount you swap, shown in the quote before you confirm. Higher power tiers earn up to 0.3% of every swap back as rewards. |
| Adding money | The card or bank provider's fee, shown before you pay. Cards usually cost more than bank transfers. |
| Taking money out | Free from Zenkai. Solana's network fee still applies. |
| Your account | Free. |
How the earnings fee works
Say a capsule earns 5.00% a year before the fee. Zenkai shows you 4.50%. Leave $1,000 in it for a year at that rate and it earns $50: you keep $45, and Zenkai keeps $5.
- The fee only comes out of what your money earns, never out of what you put in.
- It's taken automatically by the capsule as earnings arrive, so there's nothing to pay separately.
- If what a capsule earns drops, Zenkai's fee drops with it. If it earns nothing, the fee is nothing.
Power tiers give back
Your power level is about how many dollars a year your money earns. Everyone pays the same fees, and as your power level grows, more of them come back to you as rewards. Rewards are kept in dollars, and you can collect them any time, as dollars or any asset in Zenkai.
| SparkPower level 0+ | Aura and invite rewards |
|---|---|
| GlowPower level 100+ | Aura and invite rewards |
| SurgePower level 1,000+ | 0.06% back on swaps · 10% of the earnings fee back |
| BlazePower level 5,000+ | 0.15% back on swaps · 20% of the earnings fee back |
| Over 9,000Power level 9,000+ | 0.3% back on swaps · 30% of the earnings fee back |
Collecting is free. Zenkai pays the network fee, and collecting as anything other than dollars swaps at the market price with no swap fee, so what you get depends on that price when you collect.
Costs that aren't Zenkai's
- Solana network fees. Each transaction costs a tiny network fee, usually a fraction of a cent. Zenkai keeps none of it.
- Token account deposits. The first time you hold a new token, Solana sets aside about 0.002 SOL for its account. You get it back if the account is closed.
- Venue fees. The protocols behind capsules charge their own fees, such as a vault manager's fee. The rates you see are already after them.
- Prices on swaps. A quote can include a small difference from the market price, especially for large trades. You see the amount you'll get before you confirm.
Invites never cost you more
If a friend invited you, their reward comes out of Zenkai's share. You pay exactly the same fees as anyone else.