Zamio WP 2.0

Revenue Streams

Today Zamzam is building a revolutionary financial ecosystem and focusing on the development of hybrid finance (HyFi) - a combination of both centralized finance (CeFi) and decentralized finance (DeFi) in the Zamio ecosystem.

We are building the DeFi services and infrastructure for the global digital economy by recreating traditional financial tools within a decentralized environment. DeFi technology is one the fastest growing in the financial market and is at the cutting-edge of innovation when it comes to this technology-based industry.
However, building a financial system that is decentralized and transparent, at the same time we are forming centralized finance elements within our ecosystem.
We care about our growth as a project. Currently, we are receiving constant revenue streams from already launched centralized Zamzam ecosystem elements and we gradually continue to develop other elements of our ecosystem to provide maximum growth to our project. Furthermore, our multiple infrastructures mitigate DeFi project risks.
At, we have a sober view of the world. Most crypto projects with no user base and revenue streams will not reach a break-even point and are financially unsustainable. When Bitcoin goes into a global correction again similar to what happened after the peak of 2017, only those companies with real financial revenue streams coming from real customers will survive. Therefore, we structured our business to rely on revenue coming from both: a conventional, direct, highly profitable commission model, as well as revenue coming from innovative products and technologies of a new decentralized economy.

ZamWallet app (

1. Crypto to crypto exchange operations

1.1. Market order

1% of volume
The immediate exchange at the current market price.

1.2. Limit order

0.5% of volume
The exchange at the price set by clients.

2. Withdrawing cryptocurrency from CeFi wallet

Fixed fees, constantly adjusted according to current market conditions
The clients can withdraw their cryptocurrency from CeFi wallet to their external wallets.
To cover blockchain fees and administrative costs, we charge a small withdrawal fee. Withdrawal fees are constantly adjusted according to current market conditions.

3. Investment Portfolios

3.1. Purchase of Investment Portfolio

0.5% of volume

3.2. Sale of Investment Portfolio

0.5% of volume

3.3. Automatic portfolio rebalancing

0.2% of volume

3.4. Fee on Investors' profit ( fee)

5% of Investor's profit


1. ZAMpad by Zamio

10% of the raised amount

2. Zamio Bridge ETH-BSC

0.02 ETH per transaction

3. Zamio TrillioHeirs NFT sale

3.1. Pre-Sale mint NFT (ended)

0.15 ETH per NFT

3.2. Public Sale mint NFT

0.18 ETH per NFT

4. Yield Program (Staking)

5%-25% of user's profit for early withdrawals
A percentage of the user's profit for early withdrawal from staking is charged for staking from 2 weeks to 8 weeks. The shorter the staking period, the higher the percentage.
The staking perios is counted from the date of the latest deposit to the date of withdrawal. Fees will be deducted at the Wathdraw stage.

zMorgan (coming soon)

1. zMorgan interest

1%-3% of the loan amount per year
Interest income from loans issued in stable coins secured by liquid shares.

2. zMorgan Protocol fee

1% of stocks portfolio value
This revenue stream is directed to cover our portfolio escrow expenses to an agent and smart-contract transaction fees.

Zamzam app (

1. Remittance and international transfers

0.2%-0.5% of volume
Fast and low-cost remittance and international transfers between Russia and the CIS countries and other countries of the world. Cash transfers can be received at 50,000 points of the issue worldwide.

2. Consumer microloans

10%-20% of the loan amount per year
Loans issued to citizens (individuals) for personal needs for a relatively long term. A consumer loan is normally returned in several (weekly or monthly) installments.

3. Mobile phones in installments

Interest (%) of the cost of a mobile phone

4. Digital debit cards payments

0.3%-0.5% of payments
The users can do online shopping and NFC payments with a virtual card.

5. Voluntary health insurance (medical insurance)

10% of the volume sold

6. Regular payments

0.3%-0.5% of volume
The clients will be able to pay utility bills, phone bills, fines, etc. through Zamzam app.

7. Job search service

monthly subscription
The job search service will aggregate the best jobs for migrants.

8. Real estate (rent, sale) search service

monthly subscription

After establishing sustainable revenue streams in CIS and MENA, we plan to expand our presence to other regions starting with Southeast Asia.