Comparing ZPAY and HSAV is kind of like comparing apples and oranges.
One is a high interest savings ETF (HSAV) with virtually no downside pricing risk and the other is an actively managed fund that invests in large cap US stocks, writes covered call options on them, etc.
To give you an example of what I mean, during the bear market in 2022 ZPAY would fall in price by over 13%, while HSAV did not fall at all. Keep in mind, ZPAY's 13%~ was still much better than the markets overall, but it is still not really comparable to something like HSAV.
One is just money sitting in a savings account (HSAV) whereas the other has a management team actively managing a portfolio of stocks.