Kredete, a leading fintech platform focused on empowering African immigrants with better access to financial services, has partnered with OpenTrade to launch Kredete Earn, a new yield product offering stable, dollar-denominated returns on USD stablecoin balances.

Through this integration, Kredete users can now earn between 2–9% yield on their savings, powered by OpenTrade’s institutional-grade infrastructure and backed by U.S. Treasury and money market funds managed by firms like Fidelity. With over 500,000 active users and growing, Kredete is expanding what’s possible for the African diaspora when it comes to saving, sending, and growing their money.

“At Kredete, our mission has always been to unlock financial opportunities for Africans everywhere. Partnering with OpenTrade allows us to deliver stable, high-quality yields directly to our users’ wallets without the friction of complex requirements. It’s simple, accessible, and built for the realities of our users.”

Ebuka Arinze, Chief Product Officer at Kredete

Financial Access Designed for the Diaspora

Kredete was built for African immigrants who often face steep challenges when trying to access affordable credit or earn yield on their hard-earned dollars. The platform enables seamless global transfers to over 25 countries and is now going a step further, offering users a way to grow their savings without off-ramping into fiat, dealing with lockups, or navigating volatile crypto markets.

Thanks to OpenTrade’s plug-and-play “yield-as-a-service” platform, Kredete Earn provides:

• Stable returns backed by real-world assets like U.S. Treasury Bills

• No minimums or lock-ups, funds remain fully liquid

• Instant accrual and daily compounding

• Same-day withdrawals

With a base in the U.S. and connections into Africa, Kredete is now able to deliver institutional-grade yield products to everyday users across borders, all inside an app they already trust.

Powered by OpenTrade

OpenTrade’s platform is designed to help fintechs, neobanks, and exchanges embed safe, compliant stablecoin yields into their user experience. Backed by a16z Crypto, Circle, and other top investors OpenTrade offers an enterprise-grade infrastructure purpose-built for yield products, secured through a bankruptcy-remote structure, bank-grade operations, and a battle-tested legal framework.

Unlike traditional tokenised RWA solutions that serve only institutions, OpenTrade takes a B2B2C approach, enabling consumer-facing platforms like Kredete to provide USDC, USDT and EURC yield products at scale, without needing to build infrastructure from scratch.

“Kredete is exactly the kind of partner we built OpenTrade for,” said Jeff Handler, Chief Commercial Officer at OpenTrade. “They serve a globally connected user base that’s been underserved by traditional finance, and now they can offer those users safe, yield-bearing dollar products right inside the app.”

A New Model for Saving and Earning

In many parts of Africa and across the global immigrant experience, access to stable dollars and yield is limited or comes with high friction. Kredete and OpenTrade are solving that, giving users an easy way to hold and grow their dollars with just a few taps, regardless of the country or currency they operate in.

Together, Kredete and OpenTrade are redefining what’s possible for financial inclusion, offering a modern alternative to low-interest bank savings accounts, unpredictable remittance options, and crypto-native risk.

For African immigrants seeking a better financial future, Kredete Earn is a powerful step forward.

About Kredete

Kredete is a FinTech platform designed to empower African immigrants with tools to build credit, send money globally, and now, grow their savings through yield-bearing products. Serving over 500,000 users, Kredete is redefining access to financial services for the diaspora community.

About OpenTrade

OpenTrade is an institutional-grade platform for real-world asset-backed USDC & EURC yield products. Through its “yield-as-a-service” model, OpenTrade enables fintechs to embed safe, high-quality yield products into their apps, unlocking new revenue, improved user engagement, and better financial outcomes.