ZBD

Overview

ZBD is both a consumer rewards app ("ZBD: Play. Earn. Cash Out.") and a gaming payments infrastructure business, operated by ZEBEDEE LLC in Hoboken, New Jersey and ZEBEDEE EUROPE B.V. in Amsterdam. The app's documented earning routes are playing games, surveys, quests and offers, a Daily Poll streak and occasional bonus rewards, and its listings advertise cash-out with no minimums and instant cash-out while warning that transaction fees may apply. It is not a game of its own: the games that pay ZBD rewards are third-party titles, and reward balances can be denominated either in a game's own units or in satoshis at the integrating developer's choice. The material caveat is geographic. ZBD's own Earn coverage page does not list Pakistan among supported countries, its Payments coverage page lists Pakistan among countries where the API is "NOT YET available", and no source was found confirming that a person in Pakistan can earn rewards or withdraw Bitcoin through ZBD.

Key facts

Rewards

Playing games, listed first in the app's own description of how rewards are earned, Surveys, quests and offers from third-party providers, availability depending on provider and region, A Daily Poll streak and occasional bonus rewards, Referrals are NOT listed as a current earning method in the official descriptions readStated by the platform

Supported currencies

Rewards are described as Bitcoin: a 2023 report states earned satoshis were held in the ZBD wallet and could be withdrawn to another wallet or a compatible exchange

• In ZBD's developer-facing product a balance may instead be denominated in a game's own virtual units at the developer's choice, so not every ZBD-integrated balance is Bitcoin
• No readable official source establishes who controls the private keys for a consumer balance or whether self-custody is available inside the app

Independently corroborated; Our assessment

Payout methods

The app, SPEED Wallet, Cash App (United States only) and gift cards, per ZBD's own Earn coverage page, which states cash-out options are not universal; The store listings additionally describe transfers to services such as Coinbase and Kraken where availableStated by the platform

Minimum payout

No minimum advertised (the official app listings advertise cash-out with no minimums; this is advertised product behaviour rather than a tested payout, and route availability still depends on the user's country)Stated by the platform

Fees

The app listings state that transaction fees may apply. No universal fixed fee is published, so fees cannot be assumed to be zero and the actual cost should be read at the confirmation step.Stated by the platform

Withdrawal timing and requirements

Cash-out routes are limited to supported Earn regions, with Cash App restricted to the United States. A light identity-verification step is documented at a user's first cash-out, but no source states a single global threshold at which it triggers. Cash-out is advertised as instant with no minimums, which describes the product's advertised experience rather than a guarantee for every route or compliance check. ZBD's Earn security documentation says VPN or proxy use can place a user in a limited-earnings mode where withdrawal limits grow more slowly.

Promotional offers

No verified promotional offer was confirmed in the sources we reviewed as of the check date. Any bonus visible in the live app should be read from its own current terms before relying on it.

Platform referral program

No official source read describes a referral program or referral commission for ZBD, so none is recorded as available.Our assessment

Account

A registered account is required. ZBD documents device attestation, bot and emulator detection, geolocation, withdrawal locks and account disabling as fraud controls, and says VPN or proxy use can trigger a limited-earnings mode rather than an outright block.Stated by the platform

Age

Google-indexed text for the 2025 Terms of Service says users must be at least 18, but the PDF was not readable during research, so this rests on an index describing the document rather than on the contract itself. The 3+ and 13+ store ratings shown are content ratings, not account-age rules.Stated by the platform

Geographic availability

ZBD's own Earn coverage page lists the countries where the ZBD App and Earn SDK are available and Pakistan is not among them; cash-out methods are limited to supported Earn regions, and the separate Payments coverage page lists Pakistan among countries where the API is "NOT YET available".Stated by the platform

Official terms

cdn.zebedee.io/legal-docs/terms-of-service/v1.1.0.pdf

“Not found in reviewed sources” means exactly that: the sources we read did not state it. It does not mean the platform has no fees, no limits, or no conditions.

Free-to-play versus paid progression

• Free: Playing games, surveys, quests and offers, the Daily Poll streak and bonus rewards are all free to access; nothing we read establishes that payment is required to earn in the ZBD app.
• Paid, optional: No paid path inside the ZBD app was found in the sources read. ZBD's business is payment infrastructure sold to game developers, which is a commercial relationship between ZBD and studios rather than a purchase a player is invited to make.
• How earnings work: Rewards are configured by the integrating game: the developer chooses whether a balance is denominated in in-game units or in satoshis and sets reward amounts and withdrawal limits, so no single reward unit or rate applies across the platform. Offers and surveys are priced by third-party providers.
• Pace of free progress: No reviewed source states a typical hourly earning rate, and app-store reviews describing rewards as small or gradual are subjective accounts that vary by offer, region and time spent rather than a measured rate.

Withdrawals and firsthand experience

Cash-out routes are published by region rather than universally: ZBD's own Earn coverage page lists the ZBD App, SPEED Wallet, Cash App (United States only) and gift cards, and states that cash-out methods are limited to supported Earn regions with further exclusions. The store listings advertise cash-out with no minimums and instant cash-out while warning that transaction fees may apply.

• Fees: The listings state transaction fees may apply, and no universal fixed fee or single processing-time guarantee is published. Read the fee shown in the confirmation step rather than assuming a payout is free.
• Minimums: No minimum is advertised, on both official store listings. This is advertised behaviour rather than a tested payout, and it does not establish that a cash-out succeeds for a given user in a given country.
• Checks and conditions: A light identity-verification step is documented at a user's first cash-out, though no source states the dollar or satoshi threshold that triggers it. The Earn security documentation also says VPN or proxy use is treated as a fraud signal and can move a user into a limited-earnings mode where withdrawal limits grow more slowly.
• Regional eligibility: The most material condition for some readers: ZBD's published Earn coverage does not list Pakistan, and its Payments coverage page lists Pakistan among countries where the API is not yet available. Route availability is therefore country-specific by the platform's own statement.
• Firsthand experience: None is recorded here. This review documents no withdrawal made by us, and no cash-out was attempted from Pakistan or any other country, so everything above describes the platform's published terms rather than a tested outcome.

Risks and material concerns

Each concern below is described in plain language, with how well it is supported. We do not grade concerns as low, moderate, or high, because we have not defined a severity scale we could apply consistently.

• ZBD's own Earn coverage page does not list Pakistan among supported countries, its Payments coverage page lists Pakistan among countries where the API is "NOT YET available", and no official statement was found confirming a Pakistani user can earn rewards or withdraw Bitcoin through ZBD. A reader in Pakistan should treat ZBD rewards and withdrawals as unavailable until the platform states otherwise, rather than inferring eligibility from the app's general availability or from Lightning being an international protocol.

  Evidence: Documented by sources we checked · Assessed October 24, 2026

• Cash-out routes are country-specific by the platform's own statement: Cash App is United States only, other options are described as not universal, and cash-out is limited to supported Earn regions with further exclusions. A method named in a global store description may simply not exist for a reader's country, and a route list can change without notice.

  Evidence: Documented by sources we checked · Assessed October 24, 2026

• No readable official source establishes who holds the private keys for a consumer ZBD balance or whether self-custody is available inside the app. A 2023 report describes satoshis held in ZBD's own wallet, which points toward custodial holding at that time but does not confirm today's arrangement, so a balance should be treated as held by a service provider rather than as keys you control.

  Evidence: Reported, not independently confirmed · Assessed October 24, 2026

• ZBD's Earn security documentation identifies VPN or proxy use as a fraud signal and says affected users can be moved into a limited-earnings mode where rewards continue but withdrawal limits grow more slowly, with some VPNs or blockers able to prevent initialization at all. This is the platform's own policy, not evidence of how it was applied to any particular account.

  Evidence: Documented by sources we checked · Assessed October 24, 2026

• User reviews report offerwall tasks and game milestones going uncredited, slow support, and accounts flagged or withdrawals placed under review; ZEBEDEE's own public reply acknowledges that offerwalls can fail to track completed tasks. Other reviews report successful payouts. None of these are verified or adjudicated, and reviews are self-selected rather than an audited complaint dataset, so no rate of failure in either direction is established.

  Evidence: Reported, not independently confirmed · Assessed October 24, 2026

• The Terms of Service PDF was not readable during research, so the only age figure available comes from an index describing the document and no other clause was examined. A light identity-verification step is documented at first cash-out but no global threshold is published, so a user should expect verification before a first withdrawal and should read the live in-app terms rather than relying on this record for contract detail.

  Evidence: Reported, not independently confirmed · Assessed October 24, 2026

• Reward amounts, denominations and withdrawal limits are configured by the integrating game developer rather than fixed by ZBD, so no single reward unit, rate or threshold applies across the platform. App-store reviews also describe rewards as small or gradual in some experiences, and no official source promises a particular hourly earning rate.

  Evidence: Documented by sources we checked · Assessed October 24, 2026

Editorial assessment

ZBD is the best-documented platform in this batch: a named operator with a published address and jurisdiction, a licensed-payment-service-provider self-description, readable documentation for its rewards coverage, fees, cash-out routes and fraud controls, and independent reporting on its 2019 founding. Its earning mechanics are ordinary and free to use, and it advertises cash-out with no minimums. The decisive finding is geographic rather than reputational: ZBD's own published coverage does not list Pakistan for either its rewards product or its payments API, so a reader there should treat rewards and Bitcoin withdrawals as unavailable until ZBD says otherwise, rather than inferring eligibility from the app's general availability. For readers elsewhere, the open questions are the unreadable terms, the unestablished custody arrangement for a balance, country-specific route limits, and payout complaints that are unadjudicated in both directions. A strong rating would not change any of that, which is why none is published here.

Assessment confidence: moderate. This describes how well the evidence supports the assessment, not any expected earnings or a judgement of the platform.

Limitations: Three gaps limit this record. The Terms of Service PDF could not be read, so the 18+ age figure rests on indexed text and no other clause was examined. No readable official source establishes who controls a consumer balance's private keys, so custody is unconfirmed rather than settled. And no withdrawal was attempted from any country, least of all Pakistan, so the coverage pages are documentation rather than a performed test. Trustpilot blocked direct fetch, so no rating or review count could be verified and none is published, and the indexed Reddit threads could not be read in full.

Conflicts: The domain situation is recorded rather than assumed: the current corporate site is zbdpay.com, the app is distributed as ZBD, the Trustpilot profile sits under zbd.gg, and joinzbd.com could not be verified as a current official domain during this research. Separately, general product availability and local payout eligibility are often conflated; where they diverge, the coverage pages are relied on over the global store description. No credible sources were found to disagree with the Pakistan coverage finding itself.

Reviewed sources

Every source below was read for this review. An official page shows what a platform states, not that it delivers, and the label on each entry says what kind of source it is.

• ZBD corporate site (zbdpay.com), ZBD / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  Presents ZBD as a money and payments infrastructure provider for games, listing products including Embedded Rewards, Embedded Payouts and Embedded Accounts. This is the current corporate domain located for the company during this research.

• ZBD about page, ZBD / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  Describes ZBD as a licensed payment-service provider and names co-founders Simon Cowell and André Neves.

• Google Play listing: ZBD — Play. Earn. Cash Out., Google Play / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  The official app listing, which loaded and was read in full. It describes earning by playing games, surveys, quests and offers, a Daily Poll streak, and occasional bonus rewards. It advertises cash-out with no minimums, instant cash-out, gift cards, and transfers to services such as Cash App, Coinbase or Kraken where available, while warning that transaction fees may apply. It identifies the operator as ZEBEDEE LLC with a Hoboken, New Jersey address and EIN, and ZEBEDEE EUROPE B.V. in Amsterdam with its Dutch registration number. The listing showed 4.6 stars from about 57.1K reviews and 1M+ downloads when fetched, and its reviews include both successful payout reports and complaints about untracked offer rewards and support delays.

• Apple App Store listing: ZBD — Play. Earn. Cash Out., Apple App Store / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  The official iOS listing, which loaded and was read. It repeats the Play listing's earning and cash-out description, displays a 13+ age rating and showed 4.6 stars from 12K ratings when fetched, and carries user comments describing successful Coinbase transfers alongside complaints about confusing transfers and small rewards.

• ZBD documentation: Earn coverage by country, ZBD / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  The decisive source for the Pakistan question. It lists the countries where the ZBD App and Earn SDK are available, and Pakistan is not among them. It also says cash-out methods are limited to supported Earn regions with further exclusions, and names the available cash-out routes as the ZBD App, SPEED Wallet, Cash App (United States only) and gift cards, noting that Cash App and other options are not universal.

• ZBD documentation: Payments coverage by country, ZBD / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  Explicitly places Pakistan in the list of countries where the ZBD API is "NOT YET available". This is separate from, and additional to, the Earn coverage omission: it is ZBD's own statement that its Lightning payment infrastructure is not offered for Pakistan.

• ZBD documentation: Embedded Rewards, ZBD / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  States that a game developer chooses whether a player balance is denominated in the game's own virtual units or in satoshis, that studios commonly use in-game currency, and that developers configure reward amounts and withdrawal limits. It also says a player goes through a light identity-verification step the first time they cash out.

• ZBD documentation: Earn security and fraud controls, ZBD / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  Identifies VPN or proxy use as a fraud signal and says such users can be put in a "limited earnings" mode where rewards continue but withdrawal limits grow more slowly; it also says some VPNs or blockers may prevent initialization. It describes device attestation, bot and emulator detection, geolocation, withdrawal locks and account disabling as controls in use.

• ZBD documentation: Gamertags, ZBD / ZEBEDEEOfficial platform pageAccessed October 24, 2026

  Describes the ZBD Gamertag as a user identifier developers can use to send payments, and documents Lightning payments to ZBD Gamertags and in-game rewards. This establishes Gamertag as a payment or address feature rather than a separate current rewards product.

• ZEBEDEE / ZBD Terms of Service (PDF, v1.1.0), ZEBEDEEOfficial platform pagePublished January 1, 2025Accessed October 24, 2026

  The linked Terms of Service document. Google-indexed text for this 2025 document says users must be at least 18, which is the only age figure located during this research.

• GamesBeat: ZBD launches financial infrastructure for game rewards, GamesBeatIndependent reportingPublished January 1, 2026Accessed October 24, 2026

  Independent reporting stating that ZBD was founded in 2019 by Simon Cowell, André Neves and Christian Moss, and that the company launched embedded financial infrastructure for games in 2026.

• BlockchainGamer.biz: Bitcoin Miner passes 2 million downloads, BlockchainGamer.bizIndependent reportingPublished March 1, 2022Accessed October 24, 2026

  Independent reporting on Bitcoin Miner, a separate game by Fumb Games that integrated ZBD rewards, dating that integration to March 2022 and noting the game's download figures. It establishes that Bitcoin Miner is a third-party title using ZBD rather than a ZBD-owned game.

• Yahoo Finance: earn Bitcoin playing over 100 games (ZBD Playtime), Yahoo Finance (syndicated)Independent reportingPublished January 1, 2023Accessed October 24, 2026

  A 2023 report describing ZBD's Android Playtime games and stating that earned satoshis were held in the ZBD wallet and could be withdrawn to another wallet or a compatible exchange.

• Trustpilot review page for zbd.gg, TrustpilotReputation reportAccessed October 24, 2026

  The customer-review page located for this company exists at this address under the zbd.gg domain, so it is recorded as a destination for readers who want other people's accounts. A search-index snapshot taken on 2026-10-24 showed 4.1 out of 5 from 606 reviews, with other locale results showing counts around 607 to 611.

• User reviews on the ZBD Google Play listing, Google Play (user reviews)User reportAccessed October 24, 2026

  The listing's readable reviews include claims that offerwall tasks or game milestones were not credited, that support took too long to respond, and that accounts were flagged or withdrawals put under review, alongside positive payout reports. In reply to a complaint about missed offerwall rewards, ZEBEDEE stated that offerwalls can fail to track completed tasks and that support should respond to tickets.

• Reddit r/ZBD — four months experience thread, Reddit user postUser reportAccessed October 24, 2026

  A thread located under r/ZBD whose indexed excerpt describes a user's multi-month experience of the platform. Recorded as an identifiable public discussion.

• Reddit r/ZBD — who has verified KYC on ZBD thread, Reddit user postUser reportAccessed October 24, 2026

  A thread located under r/ZBD whose indexed excerpt concerns identity verification on ZBD. Recorded as an identifiable public discussion.

• Apple App Store (Pakistan storefront) listing attempt for ZBD, Apple App StoreOfficial platform pageAccessed October 24, 2026

  A direct request for the Pakistan storefront URL of the ZBD app listing returned a 404 response during this research.

Required notices

• Cryptocurrency risk

• Referral, affiliate, and advertising disclosure

• Third-party content disclaimer

• Independent directory: no affiliation, no endorsement

• Age notice (18+)