In regions like Latin America, Africa and Southeast Asia, inflation and currency depreciation are everyday realities. Traditional banks often fail to provide secure, reliable savings options, leaving individuals and small businesses with few alternatives. Stablecoins such as USDC and USDT have gained popularity as a means of preserving value, and users are increasingly seeking ways to hold and grow their savings. USD yield products meet this demand by offering interest on dollar-denominated assets. Until recently, offering such products required navigating complex regulations and establishing robust banking infrastructure.

Today, blockchain technology and compliant stablecoin protocols enable fintechs to embed USD yield directly into their platforms, making it easier than ever to deliver scalable, secure savings solutions. For fintechs, this presents an opportunity to provide real value, drive adoption, and build long-term financial relationships with users in emerging markets.

The TradFi Barrier: Why Yield Has Been So Hard to Offer

Offering yield in a compliant way is incredibly complex. Here's why:

Banking and Custody: Partnerships with custodians and banks to handle stablecoin conversions and asset custody are needed

Regulatory Compliance: Local and international laws (KYC, AML, securities) vary and evolve constantly

Access to Real-World Yield: You must connect to low-risk, dollar-denominated instruments like U.S. Treasury bills, commercial paper, or trade finance

Operational Overhead: Managing audits, reporting, capital allocation, and liquidity risk is a full-time job.

Most early-stage startups simply don’t have the capital or team to build this infrastructure themselves.

OpenTrade: Embedded Stablecoin Yield-as-a-Service

OpenTrade solves this challenge by offering a full-stack platform and an infrastructure that’s ready to go, which enables fintechs to embed USD stablecoin yield products directly into their apps. It combines:

A Blockchain Protocol: A fork of the Perimeter protocol, enabling tokenised real-world assets and on-chain transparency.

Legal & Operational Frameworks: Built-in compliance across jurisdictions, including risk disclosure, investor protection, and audited transparency.

Banking & Custody Infrastructure: Partnerships with regulated institutions to handle onboarding, conversion, and settlement.

Yield Products: Access to low-risk, short-duration investments such as U.S. Treasury Bills, agency MBS, and trade finance portfolios all wrapped into liquidity pools.

In simple terms: OpenTrade allows fintechs to offer their users U.S. dollar yield with as little as an API integration.

What This Means for Fintech Startups

Here’s how a fintech can leverage this to launch a yield product in weeks:

Choose a Yield Product: Based on your user base and risk appetite, pick from fixed-term vaults (e.g. 30-day Treasury Bills) or liquid yield pools (e.g. daily liquidity from short-duration assets).

Integrate via APIs or SDKs: OpenTrade provides an embeddable interface or developer tools to handle wallet connections, deposits, and yield tracking all in your brand.

Onboard Users in a compliant way: Users can deposit stablecoins like USDC, with KYC and compliance handled via OpenTrade’s frameworks or your own stack.

Generate Revenue: Fintechs can offer premium accounts with yield access, creating a new, scalable revenue stream.

Build Trust Through Transparency: OpenTrade’s On-Chain data and reporting tools let you show users exactly where their money is invested, and how yield is generated.

Emerging fintechs, stablecoin wallets, and even neobanks across Africa, Latin America, and Southeast Asia are already building on OpenTrade’s infrastructure. These companies are using OpenTrade to:

1. Offer high-yield USD savings to users fleeing local currency volatility.

2. Enable B2B treasury management for SMEs and freelancers earning in stablecoins.

3. Enable B2B treasury management for SMEs and freelancers earning in stablecoins.

Looking ahead: Democratised Access to USD Capital Markets

By leveraging platforms like OpenTrade, fintechs can finally level the playing field, giving users in frontier markets access to the same USD yield opportunities as those in New York or London. Yield offerings are about are building trust, financial security, and long-term user relationships. For fintech founders no longer need to build a bank to offer dollar yield, they just need the right partner.

Want to learn more?

Visit OpenTrade schedule a demo or book a call with our team to see how seamlessly USD yield solutions can be integrated into your fintech applications.