In the last few weeks, the team at OpenTrade has spoken with three neobanks building on stablecoins across Latin America and Europe. Each of them is navigating economic volatility, regulatory complexity, and fast-growing user demand — all whilst building new financial systems that must work reliably at scale.

Despite being at different growth stages and serving different markets, a striking similarity has emerged in the themes that repeatedly arise in our discussions. Here’s what they’re focused on, and how a platform like OpenTrade is stepping in to help them achieve their objectives:

1. Stable, predictable, and flexible USD-denominated yield

Retail and business users across Latin America are actively seeking to protect their funds against currency devaluation and high inflation. In response, local neobanks are doubling down on their ability to offer users a reliable way to save in USD. To power this in the backend, they need:

· Predictable on-chain returns decoupled from volatile DeFi markets –enabling them to offer stable interest rates on dollar (USDC) balances without needing to subsidise yield

· Sufficient liquidity to meet user withdrawal demands — whether maintained through buffers or flexible access to funds invested in yield strategies

· Full control over the parameters of the user facing product — allowing them to align product design with specific KPIs, or to adjust pricing and unit economics at any time

How OpenTrade delivers:

• Our Yield-as-a-Service tech stack allows neobanks to embed USDC, USDT and EURC yield directly in existing UI/UX under a white-label model, meaning they are free to design all aspects of the user facing product

  
  

• Our yield products are backed by real-world assets, generating predictable returns that neobanks can reliably use to power fixed-rate interest accounts, all whilst generating a stable revenue stream

  
  

• We offer vaults with no minimum terms and same-day withdrawal settlement, meaning even liquidity buffers can be deployed to generate yield and remain accessible within hours if needed

2. Reducing operational complexity

The OpenTrade platform makes it easy for teams to operationalise both treasury management and end-user facing yield programmes through a single, fully integrated system. Yield is delivered entirely on-chain via the OpenTrade protocol, with no need for on- or off-ramping to access returns.

However other components of a neobank’s treasury management and dollar account infrastructure may inherently require fiat rails, which means many teams remain reliant on Web2 rails to power Web3-native financial products. Treasury teams are thereby spending significant time and energy on legacy infrastructure:

• Slow, costly wire transfers

• Frequent payment delays or failures that introduce reconciliation burden

• Exposure to inefficient FX processes

These challenges limit a neobank’s ability to scale and innovate. That’s why OpenTrade works closely with clients to reduce operational friction. We leverage our broad network of trusted partners to build bespoke infrastructure and value-add solutions that help our clients automate flows and lower operational overheads. In short, we don’t just provide the yield — we help to make the system around it work more efficiently.

3. Managing counterparty risk

As neobanks mature beyond the early stages of growth, their product lines and oversight requirements evolve and become more sophisticated. This brings increasing pressure from internal stakeholders, regulators, and banking partners to demonstrate a clear, defensible risk management framework.

As neobanks often outsource/employ dedicated service providers for on-/off-ramps, wallet infrastructure, and yield generation, they must actively assess and manage their exposures to providers and counterparties handling client funds.

How does OpenTrade measure up in this context?

• Clients contract with a bankruptcy-remote special purpose company (SPC), fully segregated from Open Trade Technology, which acts solely as the platform provider

• The yield product is underpinned by secured lending, meaning stablecoin loans to the SPC are 100% collateralised at all times with pre-agreed, investment grade, real-world assets held with Tier 1 regulated financial institutions

• Collateral is managed by an FCA-regulated asset manager, issuing weekly attestations on the collateral holdings for full transparency

• Clients, as lenders to the SPC, hold a fully perfected security interest in the collateral which is enforced by an independent security trustee, ensuring full recourse in the unlikely event of a default

This setup gives neobanks the ability to launch yield products with a bank-grade legal structure and asset management operations.

Together, these three focus areas point to neobanks working on architecting core financial infrastructure local economies can rely on. OpenTrade’s role is to help them do this with confidence by powering yield, simplifying operations, and embedding trust at every layer.